That's fine, i'm happy to learn you pointed me in the right direction. Thanks

il be honest! where the hell do I start. I understand the directions, and I understand my defence but how do you put that to paper in an acceptable way.

HELLO!!!!!

I received these the other day.

So is this where I need to submit some sort of defence and hopefully blow them out of the water.

I have repeatedly asked for statements etc but they have not sent anything.

Docs1.pdf

Perfect. I really appreciate your advice Andy. Thank you so much for everything so far.

I'm confused. In post 35 you say or I think your saying 4 months is fine, but then in post 40 your saying that's part of my defence. Sorry i just want to be clear

Can they proceed even though they where out of time, the claim form was received 4 months after it was issued. thanks

Hello everyone. I have received this today from the court. Does this mean they have reissued the claim? I have not received anything else apart from this.

Thank you to everyone for theIR help!

Afternoon everyone.

Well I spoke to the court today

they said there's nothing the claimant can do because they're out of time but they may reissue the claim.

So I assume now I should wait to see if I receive another claim form for Christmas.

Ok thank you all for your advice.

One question.

If this debt does not show up on my credit file can they do anything about it?

I mean according to my report iv never had a contract with EE.

I will get in touch with the court on Monday and look at sending the CCA requests.

Once again thanks everyone!

OK I will do thanks!

That's the letter that came with it

Sorry forgot to blank out some of it.

Here you go.

This is what I received on Friday in the post.

I sent it back in a panic!

I just stated I was going to defend the claim on the grounds

I don't believe the account belongs to me.

Because according to my credit file it doesn't

I have uploaded a picture of the issue date here >

http ://500mb.co.uk/#/view/file/bofxzgk9depamf3syqrq/IMAG1506.jpg

This came in the post on Friday and I sent the defence thing back the same day. I also just registered for Clearscore and theres nothing in relation to this on their either. According to my credit file this contract never existed.

I have checked again. there's nothing there

I have noodle. There's nothing on my credit file relating to this

That's what it says 28/07/2015

Thanks for the response

on the claim form there is no reference to a password for any website.

In fact in anything I got sent there was nothing mentioning passwords.

I had a claim form,

with a reply pack which I sent back saying i was going to defend the claim in the grounds i don't believe the account is owned by me.

I figured I would do this then seek advice.

But there's no passwords listed in anything I was sent

I don't even know what MCOL is! I cant even remember having this contract it was years and years ago.

Here you go and thanks.

I'm not able to answer some of the questions my memory is not the best.

I have had no contact with lowel at all.

I have their number blocked in my phone and return all their letters to them saying not known here.

I was thinking because my credit files does not show anything from my past that was the best thing to do.

Name of the Claimant Lowell Portfolio 1 Ltd

Date of issue – 28/07/2015

Date of def = 28/08/2015

What is the claim for –

1.the claimants claim is for the sum of £1,864.10 being monies due from the defendant to the claimant

under a mobile telecoms agreement regulated by the consumer credit act 1974 between the defendant

and everything everywhere limited under account number XXXXXX

and assigned to the claimant on 30/06/2013 notice of which has been given to the defendant.

2.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

3.The claim also includes statutory interest pursuant to section 69 of the count courts act 1984 at a rate of 8%

per annum a daily rate of £0.41 from the date of the assignment of the agreement to 30/06/2014 being an amount of £150.06

What is the value of the claim? £ 2000

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile Phone

When did you enter into the original agreement before or after 2007? Its going to be after 2007

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 purchaser issues claim

Were you aware the account had been assigned – did you receive a Notice of Assignment? I did receive some letter from Lowel which I returned to them unopened

Did you receive a Default Notice from the original creditor? Possibly, but to look at my credit file now there is no default notices on it.

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that i'm aware of. At least not for the past 3 years

Why did you cease payments? I'm unsure. I don't even remember having the contract

What was the date of your last payment? Again i'm unsure

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 managementicon plan? No

Hi everyone!

I'm looking for some advice after

I received a claim form from Northampton county court and BW legal.

This is the first time that I can remember having any contact from this company. But it's possible I have forgotten.

They say I owe EE for an iPhone contract I didn't pay.

When I was younger I wasn't the best with money.

I was immature and ended up getting credit then I losed my job and my home.

Luckily I have some amazing friends and I got back on my feet but I still had all this debt.

Over the next few years I moved from place to place and the debt followed me round.

At the time I was just realising that they kept finding me because somehow,

when I told my bank I had moved address (natwest)

I would then receive a load of debt letters.

The next time I moved house I changed my bank account address to my parents

and I never received anymore debt collection letters in my new address.

After a few months I rocked up at RBS with my tenancy agreement,

home insurance certificate and council tax bill and opened up a new bank account.

I was sneaky about this and said my previous address was my partners parents house and that I'd never had credit

or even a bank account because I was stupid with money. My parents managed it all for me I told them.

I'm guessing some people won't agree with what I did but anyone and I mean anyone who has experienced the truck loads of debt letters

falling through the door, the telephone calls and the threats from these companies

will agree you just end up totally beaten and in the end you will do anything to make it stop.

what I did worked and I realised I had a shiny new credit report with no defaults.

Three years on I still have the perfect of credit file but. I received a random claim from Lowell and BW legal ,

I thought the best thing to do was to respond to the claim saying I was going to defend it on the grounds that I don't believe the account is owned by me.

I was thinking they may drop them claim but now I'm worrying myself sick about it.

According to the claim form a default notice was issued against me back in 2011.

Obviously my credit file does not reflect this default or any default at all because of what I have done.

Have I done the right thing?

Or do I need to do anything else?

Preferably without having myself into the local police station!