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About Lillychick

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  1. Hello I thought I’d just report my partial success with this matter after taking it to the FOS. I’ve not had the paper work through yet, just a phonecall with an adjudicator at the FOS. As I understand it the amount awarded and subsequently being used to offset the original debt was in respect of loans 3 & 4 joined together. As loan 4 was a rollover and partially used to pay off the balance on loan 3, the FOS have advised WF that they shouldnt withhold the PPI refund due in respect of loan 3. WF have agreed and will be making an offer of just short of £600. The am
  2. Incidentally has anyone ever asked WF in this situation for proof that they did ‘re-purchase’ the debt and are indeed the legal owners? I’ve been thinking about how difficult it must be to track such a debt down after all that time. Not only that but surely there is no guarantee they will be able to re-purchase? Not straw clutching just genuinely curious about why they are so confident they can easily re-purchase a debt and if people are being put off taking it further because they think it’s a lost cause. Surely they would need to prove ownership of the debt to justify keeping any compe
  3. Possibly. I did move around a lot back then. I felt sure I was still paying WF when I moved to my current place, but I can’t be absolutely certain.
  4. Thanks for the quick reply. That’s pretty much what I thought but just needed it confirming. Oh well. Strangely I don’t recall ever being pursued for this debt by a third party after I defaulted And yes I’m in E&W
  5. Hello Not been on the forum for a while. I hope everyone is well. I recently made 4 sperate claims for PPI to Welcome for unsecured loans taken out in 2001/2/3/4. I successfully claimed for 2001/2 loans through Aviva as the underwriters of the insurance. These have been settled and paid to me. I’ve received correspondence from WF about the 2003/4 loans. They have upheld my complaint on both and the sum due is around £2.5 K. They have also said however that my account was sold to a third party with a balance of over £3K and that the intend to re-purchase the account
  6. Quick update.......nothing major. 2 lots of corre received from Lowell Sols. The first a notice of claim dated 12/04/2017. today a letter acknowledging the request for documents and informing family member that original docs have been requested from Cap One. There was also a 'copy' of a notice of assignment which the letter states was originally issued on 11/04/2017 (family member didnt recieve this and as it's fairly recent I believe him) Mistakes I've noticed on this document are that is titled a Notice of Acting and is on Lowell Sols headed paper so no
  7. Unfortunately it would seem not. I managed to pin down said family member this morning. I've looked at his credit file myself. A/C start date was 06/04/2011 Date of default 02/02/2013 A painfully long phonecall to Cap One revealed a last payment date of 10/08/2012 which seems to fit. I did suspect he may have had his dates wrong so I wasn't too hopeful of it being SB. CCA and CPR were posted this morning.
  8. I shall get him to ring Cap one. I'm not convinced his last payment was in 2011, I don't imagine that's correct with the default date. The default date matches his credit file. So possibly the last payment was later. CCA And CPR Ready for the post office on Saturday. As always, many thanks for your reply. I shall update the thread when I have news.
  9. Hi everyone, it's been a while since I've been here. I'm dealing with the above for a family member. I have already acknowledged service on MCOL and ticked defend all. Am I correct in thinking the next steps are CCA to Cap One and CPR31.14 to the solicitor? Do I need to SAR anyone? Name of the Claimant ? Lowell Portfolio Ltd Date of issue – 07 April 2017 What is the claim for – 1. THe defendant entered into a Consumer Credit Act 1974 agreement with Capital One under account reference xxxxxxx (the agreement) 2. The defendant failed to maintain the re
  10. GOOD NEWS! WH have filed a Notice of Discontinuance with the court. Apparently a hard copy has been sent to me but I've not received it yet, I'm not sure if my postie has been yet. The court have confirmed though that the whole claim has been dis-continued and the case removed from the list tomorrow. First bit of good news I've had in a while! Thank you so much for the help and advice given. Also thanks the people who post info on their cases. It helps people like me hugely. I've made a small donation to the site. Every little helps.
  11. Thank you both. I appreciate the replies. I'm not nervous about going. In my distant past I spent a number of years working in a court setting, albeit nothing to do with these types of cases. I am at least familiar with the court etiquette and how that works. I can't imagine it's changed much. I did ring the nice lady again today and still no papers received. I feel like I'm on a countdown now. Thanks again
  12. Thanks Martin. When you say they would have served papers by now, can you elaborate on what papers you mean? They did have a deadline to serve papers but they haven't., hence the request for more time and an adjournment. The deadline was 24th March. Their request stated that Cabot could need up to 8 weeks to locate the required documents. I'm not sure why another 8 weeks on top of the 6+ months they've already had will yield anything? Unless the documents were only requested when someone realised a court date was imminent. Sorry I'm not up on thi
  13. Thanks guys. I will be attending on Friday regardless. I have spoken to a very helpful lady at the court who says no further contact has been made from WH and she has assured me she will contact me by phone if anything happens before Friday.
  14. Hello folks, I thought I would post an update on my case. Unfortunately for me, shortly after all this happened I was thrown a giant curveball Healthwise that has kind of engulfed me for the last few months. Onwards and upwards. After filing my defence I was contacted by the mediation service. After a brief conversation they concluded that mediation wasn't appropriate as I didn't acknowledge the debt. I recieved a court date for my local court which is on Friday this week 8/4. I've submitted my documents to the court, WH and also Cabot. Ther
  15. Ok this is what I've put together. Largely taken from the list of examples in the link. So thank you to everyone who posts them. What with my rustiness and time constraints, I'm mighty relieved for the help. POC 1.The claimants claim is for debts arising from consumer credit Act 1974 agreements. 2.The claimant is an assignee of the following debts, notice of assignment having been given t the defendant in writing. [/color] Bank of Scotland Aqua card credit card. Account number (16 digit number) £18xx.xx. 3.Despite demands for payment, the above sums remain due.
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