Hi all Quick update Just got the standard letter from the court saying they have received my defence ect

Yes I did One again thank you so much for yr help

thank you so much andy , dx il get that sent in now

Defence The claimant has failed to supply details of this claim under cpr 31 15 rules The claimant failed to send or acknowledge a cca request

Had a letter back from Cohen about the cpr it says We have received your letter in which you make a request for documents and have notified our client. Of this request Documents in support of our clients claim will be disclosed on or before disclosure as directed by the court

Still not sorted my defence (I know ) Still not had anything back about the cca request or the cpr so I can't really do anything until I get them as I can't even remember what year the account was for Noddle has it defaulted in 2014 but it was way before then

I did send the CCA before the claim got issued I'm not to sure on a defence but something along the lines of The loan was mis sold as agent rolled the loan into a new one CCA request was sent to Lowell and I have not had the information back The agent left and no new agent arranged collection and when I phoned provident they said they would be in contact and a new agent would come round that was the last I heard from them

I sent the CCA request off on the 9th am iI correct in thinking that the 12+2 runs out on the 23rd or are weekends not included ??

Had a letter back from Lowell's It Just said that I wrote to them recently and I used to their old address Absolutely nothing mentioned about the CCA request At least they have sent a letter so if they don't send the CCA I have proof that they received it

Yes I sent CCA to Lowell's on the 9th i also have proof of posting

Yes I did lol just getting stressed Thanks once again

Thank you dx CPR is printed out il send that off shortly Do I contest jurisdiction?

cca request got sent to lowell on 9/6 should i speak to cohen cramer and tell them bout the cca? also i now have now got the £10 for the sar so il send that off tody to provident

Name of the Claimant lowell Date of issue – 14/6 What is the claim for – Particulars of Claim 1.The claim is for the sum of £600 due by the defendant under an agreement regulated by the cca act 1974 for a provi credit limited account with an account reference of 111111 2.The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s,87(1) of the consumer credit act 1974 which has not been complied with 3.The debt was legally assigned to the claimant on ##/Aug/14 notice of which has been given to the defendant The claim Inc statutory interest under s69 of the county courticon act 1984 at a rate of 8% PA from the date of assignment to the date of issue of proceedings in the sum of £##,## What is the value of the claim? 700 inc court fees ect Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? loan When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. debt purchser Were you aware the account had been assigned – did you receive a Notice of Assignment? not sure Did you receive a Default Notice from the original creditor? not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? cant remember Why did you cease payments? couldnt afford repayment then collector stopped coming round What was the date of your last payment? not sure Was there a dispute with the original creditor that remains unresolved? no but when i couldnt afford it she rolled it into another loan Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? i did enter into a stepchange dmp but that got cancelled after a while

Help I've just had a court claim pack through the post

So I should CCA Lowell and sar provident Oh at one point I heard they sacked the collector for stealing and also I missed placed my book so didn't get a receipt

Hi all Just had a letter saying Lowell are going to take me to court for a provident debt I did have a loan from them and when I couldn't afford to pay they rolled it into another loan then the agent stopped coming round I'm going to send a CCA request off who should I send that to ? Lowell? Anything else I need. To do as last one I went up against I ended up with a ccj (credit card ) The default on my credit file is 1/14 yet I believe it defaulted way before that I also have another provident/greenwoods defaulted with same default date

Another update When they phoned me about it I was in a rush and half asleep he said it would be £54 but I've just had another call and queried the amount and it is £105 which has been credited to my account now so I have to say top marks to virgin media

Result Got 4.55p credited for every month since June 2014 so should be just over £100

I have been fighting this for a while now I got nowhere with the monkeys on the phone so I sent an email to the CEO so I will see what happens next If I have to take legal action so be it

Yes that's what I'm going to do and hopefully they will correct it without adding to the amount of keepers the car has had

Hi all I brought a car the other week and have just got the log book back and the idiots have put it in the previous owners name with my address I phoned them.up and according to them I didn't put my name on the v5 that got sent back If I didn't put my name on it how did they get my address !!! I must have used the pen that had invisible ink in it

I believe they said it's beech I have seen there ads on Facebook

Hi all I'm a bit confused I'm with BG for gas and electric and I've just had my annual statement through and according to BG I have used 10065.39kwh compared to 4477.39 of electric surely a 3 bed house wouldn't use that much in a year ? Or am i wrong ?