Just read through my last post! Makes very little sense! Hope you get the idea though!

Sorry yes!!

So the case was declined!! Yay!! Thank you so much for your help! Is there any thing I should now? Can they still peruse the debt or do they have to leaver alone?? Thanks again

Sorry I'll try getting it on this eve. Cheers andy

I posted it this morning 1st class. Should I still put up the statement I received from them?

Yes, I will list the particulars when I get home if that would help?

Yes, it contains the original agreement along with a letter dated the 20/02/2009 stating the debt had been sold to lowell and another which is a very grainy statement of payments that I believe to be fake!? I've checked my credit file and no such payments exist and the payments where taken on a credit card of which I didn't own a credit card the date they have submitted!? Thanks for your responses Andy

Well...... I have been ordered but haven't because untill you asked hadn't realise I would have to. The cut off date was 19/11/14. I suppose that's that's then? Honestly punching myself now for not reading that letter thoroughly!!!

Any other help on this? Nothing appears on my credit file!? what can I do literally print off my file and give it to the judge? I'm obviously apprehensive as the 16/12/14 is edging closer and so not really want to look an idiot in court!!

Just to add I was correct and did take protection on the card!!!!! So that puts the whole redundancy issue back in the equation!!??

Hi guys, little update and more help required if at all possible!? I have a small claims court date of the 16 December. Arrived home this eve to a nice little envelope full of what appears to be completely fictitious material. they have enclosed the orginal agreement which is the only document that's doesn't appear to be falsified! (Dated 05/11/03) They also have enclosed a letter dated 20/2/2009 stating that MBNA have sold the debt to Lowell. I did not recieve this letter and was infact living in Bedfordshire when this was dated. More worryingly they have submitted what they call the claimants records of payments dated 3rd September 2009 to 23 February 2010 which details seven payments of £60.60 this is a very grainy document that to my knowledge is completely fabricated!! Can they get away with this or are they just trying to pull one over on me?? Is there a way I can prove I haven't paid this? They say the payments where made by credit card, again fictitional as the only credit card I have ever owned is the very card this whole problem is about!!!? Any help would be massively appreciated. Ta

Can anyone help? So can I scan and emails these documents to them??

Yep I have a scanner? How would I go about checking??

I received the directions questionnaire, and have by all accounts completely forgot about it!!! I have untill the first Of September to reply. It's not the end of the world as I can fill it out and hand deliver it tommorow if required. Could some one please help with what I have to put in the form. It makes little sense to me!!? Also is the form available to fill out online etc ?? Just to save having to drive to northampton tommorow morning!!! I'm such an idiot for forgetting Cheers in advance.

it seems I spoke to soon, I got home today to a letter from be legal dated the 4/8/14 Reading they they are going to continue to peruse this matter and have sent a copy to the court!?? Is this right or are they trying it on?? A little worried as believe they are within the 33 days the girl said at mcol customer services said they allow them?? Any help would be great Thank you

Thanks again Andy. Well fingers crossed this issue is dealt with thanks again all for your help.

Thanks Andy, so would it be advisable to take any further action now?so this would not happen again! Or is it a case that it's been stayed so no one can peruse this debt anymore!? Hope that makes sense??

Hi guys just an update really.........well and more advice obviously!! so I've heard nothing the mcol site just reads as follows. Your defence was submitted on 01/07/2014 at 21:53:59 Your acknowledgment of service was received on 02/07/2014 Your defence was received on 02/07/2014 have I done something wrong in order for it to still be saying that? Is this still a waiting game?? I spoke to someone and they said they had 33days in which to reply! So what's the play from here? Cheers in advance

Thank you so much, you've all been very helpful and I will be sure to update the thread as and when Lowell firm a response. Fingers crossed!!

Hi guys thanks for the replies, thanks Andy was quietly hoping you would reply seems you have form with dealing with Lowell !! I apologise for sounding so dim but this really isn't my area of expertise!!....... So I assume I acknowledge online and then at the same time copy and paste above In a defence box at the same time or do I literally print it out and wait to go to court?? I'm really sorry if I sound silly!!?

Hi, I've just recieved a claim form from BW legal representing Lowell from Northampton court that I believe is stat barred, it was originally for a mbna (virgin credit card)that I'm sure I took protection on the card, I was made redundant and they informed me I still had to pay the debt, I disagreed and because I was young and naive ceased all contact with them. because this was some 10 or so years ago I can't really remember the particulars, however as stated I'm sure it is indeed stat barred. could someone please help me with the process and what would be my next move? I have read through many threads but have just started my own business and my mind is already very fuzzy! Would it be possible to put it in laymans terms at all?? Ain't realise it's not good to try and get away without paying a penny this really could not of come at a worse time , so am hoping essentially it will be dropped. (It does not appear on credit report) Issue date 19 jun 2014 Particulars of claim: The Claimants Claim is for the sum of 5,509.14 being monies due from the Defendant to the Claimant under a Financial Services Agreement regulated by The Consumer Credit Act 1974 between the Defendant and MBNA Europe Bank Limited Under account ref: And assigned to the claimant on 16/12/2005 Notice of which has been given to the Defendant. The Defendant failed to maintain the Contractual payment under the terms of the Agreement and a default notice has been Served and not complied with. The claim also includes statutory interest Persians to section 69 of the County Courts Act 1984 at a rate of 8.00% per annunciate (a Daily rate of 0.72 from the date of Assignment of the agreement to the date of Issue () being an amount of 2,237.04. That's everything in the form. I hope it's what your after Anything else please let me know. Thanks in advance.