Yes I've read on here about the Lowlifes. Let's see what comes back from it. Thanks again.

Ok dx will go and do the defence now.

Thanks for your help. Oh and yes it's a old landline account.

Thank you will send it off tomorrow.

Is there a charge for a cpr request.

Name of the Claimant Lowell Portfolio LTD

Date of issue – 8th November 2016

What is the claim for –

1.The defendant entered into an agreement with BT PLC under account reference xxxx ('the agreement')

The defendant failed to maintain the required payments and default notice was served and not complied with.

The agreement was later assigned to the Claimant on the 24/03/2016 and notice given to the defendant.

2.Despite repeated requests for payment the sum of £173 remains due and outstanding.

3.And the claimant claims

A) The sum of £173

B) Interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date if issue, accuring at a daily rate of £0.038, but limited to one year, being £8.60.

C) Coats.

What is the value of the claim? Total amount £256.00

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? No

When did you enter into the original agreement before or after 2007? Before

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.lowells

Were you aware the account had been assigned – did you receive a Notice of Assignment? No don't think so

Did you receive a Default Notice from the original creditor? Can't remember

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? Can't remember

What was the date of your last payment? Can't remember

Was there a dispute with the original creditor that remains unresolved? No

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management

Ok will do thanks.

Hi There,

Just after a little advice.

Got a claim form on Saturday from Lowell for an alleged debt with BT.

I have been online and acknowledged it and said I am going to defended the claim.

I know that this debt is statute barred and it doesn't show on my credit file.

The alleged debt is at least 8 years old

cause I have been with Sky tv for the last 8 years.

I have no knowledge of an amount outstanding with BT.

Do I need to send a cpr31.14 request to Lowells and then just use the statue barred as my defence.

Thanks for your reply, I don't want to ignore this I want to sort it out can't have the bailiff turning up due to my son who has special needs it would really upset him. I will print a form off and send to the court.

 

You must enter your current password if you wish to change your password or email address.

Sorry just another question on the I&E do I just do it off my earnings as the debt is solely in my name.

There are 2 ways to try and address this.

 

1 - carry on as you have been doing and just hope it goes away. Downsides are you will be at risk of unexpected visits and your Creditor could explore further enforcement options which are loaded to the debt at approx £100 each time.

 

2 - apply to the Court for a Variation Order & the same form allows you to Suspend the Warrant. It's a simple form to fill in including I&E. Cost of application is £50 unless you are on certain Benefits or a low wage allowing for Fee Remission. The Forms you need are N245 for the application & if they apply for Fremission Forms EX160a & EX160c. A Variation Order allows you to pay your debt off at a level that is affordabe.

Thanks for your reply, I don't want to ignore this I want to sort it out can't have the bailiff turning up due to my son who has special needs it would really upset him. I will print a form off and send to the court.

You must enter your current password if you wish to change your password or email address.

Thank you for that. Turning to the CCJ - did you know about it & do you owe it?

Answers to your questions are Yes to both, kind of burried my head in the sand and ignored it, not going into to much detail but had some personal issues going on with one of my children awaiting a diagnosis so my head has been all over the place, not trying to make excuses I know I have been silly.

Is it from the County Court Bailiff or has it been transferred & you now have a High Court Enforcement Officer on your trail?

It's from County Court.

What is the debt all about?

You do not need to let the bailiff into you're home

There is no right of entry for them either

It's from a ccj that was issued in April this year.

Yes I know they have no right of entry just don't want anymore fees adding on.

You should get a notice of enforcement first giving 7 days to come to a payment arrangement. If you don't respond it is then any time after that.

It's definitely a notice of warrant control and was issued on 31st July and says the bailiff will call on 7th August to take control of goods.

Are you saying another notice has to be issued before he can call.

Just a quick question and hoping someone could clear something up...

If a warrant of control was issued on a Friday, when is the bailiff allowed to make his first visit.

OK, so they seem to think no payment was received, because they should have either closed the case as paid in full, or deducted the payment from the full amount, assuming they think the full amount was outstanding.

 

First thing to do is check the PCN numbers match, because there is a possibility that this is some other PCN.

 

If they do match, your partner will need to respond to the NTO in writing. Tick the box saying the PCN was paid in full, and enclose a copy of the bank statement, plus a brief note. He/she will have to sign it, as it is their debt.

 

If they want to argue that the 50% charge had expired, they will ask for the other half - but they can't say they didn't receive any payment at all, if you can prove it.

 

Incidentally, you can always call them and ask how many PCNs have been issued to that vehicle, to make certain there aren't two in existence.

Ok thanks for the reply got all my evidence printed off last night so will post it out recorded delivery today and will ring them this morning.

Does the Notice to Owner request the full amount, or half of the full amount?

It requests the full amount.

Hi guys,

Just looking for a bit of advice on the 9.6.2015 I got a pcn for parking in a restricted street. It stated that if you pay within 14 days then the fine would be reduced to half the original amount. I completely forgot about said pcn until the 25th of June and rang up the automated payment line straight away to pay.

It was completely automated and all I had to do was enter my reference number from the pcn into the telephone keypad which I did and the automated voice said the amount due to pay was £35 pound so that is what I paid and got a authorisation code.

Now fast forward to today and my partner who is the registered keeper of the vehicle has received a notice to owner letter saying the fine is unpaid.

Could someone help me in what I should do now. I have kept the authorisation code and the money has definitely been taken out of my account.j

Obviously he is going to pled guilty cause that is what he is but does anybody know what the punishment might be. Can he go to prison?

Hi all, Need a bit of advice.

I will try and keep this short and give all the facts,

today my partner has received a requisition from the dvla No ASN required.

On the 1/3/2014 we got 6mts tax from our local post office and paid for It by cheque

the cheque was declined by our bank.

We recieved a statutory notice dated 27/03/14 saying we had to pay the £68.75 or deliver up the licence.

Now fast forward to today 13/8/2014

he gets this letter saying as he has failed to deliver up the licence

he is required to appear at Lancaster Magistrates Court on the 1/9/2014.

Now this has come as quite of a shock as

I thought he had rung up and paid but he totally forgot about it,

i know its no excuse and i am mortified this has happened.

The car is taxed now as of this morning.

Any advice on what to do.

And yes this means I have been driving without a valid tax disc

and I know that is against the law

and believe me I am mortified and ready to hand myself in at the police station.

Thank you for your reply. I think the lender which is rooftop was secretly hoping I wouldnt stick to the arrangement cause it wasnt the first time the judge had suspended the reposession and they were pretty annoyed the last time anyway the fees and charges are quite a substancial amount so there for if I claimed them back it would knock quite a bit of the remaining mortgage. I know that when I phone and make this mths payment on friday they are going to want to discuss them. How do I go about reclaiming.

Hi there, Just after a little advice.

Last november (2013) my mortgage company applied for reposession of my property. I went to court and managed to get it suspended. I have now cleared the arrears as set out in the court order and have made 1 mth mortgage payment on time. I was just wondering if i can get the suspended reposession order removed or set aside or does it remain in place for the reminder of the mortgage. Also was wondering if i should start the ball rolling in claiming all the fees and charges back, i dont want to start to rock the boat with the mortgage company as we are just getting back on track.

Phew thank the lord thats over with. Just got bck home and i won, but it wasnt without a fight. The person who was representing rooftop was a complete k*@b but its over with now.x

The company is Rooftop, had to remortgage bck in 2004 due relationship breakdown and cause i had bad credit i was told that they were they only company that would touch me. They are not the nicest of people to deal with and are not sympathetic with your situations.x

Congratulations and well done, i just hope my outcome is the same.x

No i didnt. The arrears are around 1600 but then we have charges and fees to which they are saying need to be cleared as well. I have spoken to them this morning and offered a payment of £600 with the rest of the arrears being cleared on the 28th Nov, the guy i spoke tothis morning said he wasnt authorised to agree a payment on the account and would get someone who was to ring me bck but that could take 24hrs which is obviously to late.

Yes there was a hearing but couldnt attend, i know i should of but i have a child with disabilities and struggle with finding someone to look after him. Yes i submitted a n244 form this morning and my local housing office helped prepare my statement. The mortgage company are not the nicest of people to deal with and make you feel like a criminal when you speak to them.x