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barneyrubble2007

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About barneyrubble2007

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  1. Called them up. Apparently they sent documentation out in August which I haven't received. They cannot provide a default notice and will not provide a deed of assignment because it contains sensitive information. I have requested they send me a copy electronically and by post
  2. An update on this. I received a letter from Lowell at the weekend. Notice of Pending CCJ - They are claiming that I failed to respond and saying that if I do not respond by the 14th, they will ask the court to enter a CCJ against me. They haven't responded to any requests for information etc. Can they do this when they have failed to reply to the requests for information? Thanks
  3. I didn't realise it needed doing yesterday! It has been done. Thank you for the kick up the backside, just hope it isn't too late. I missed the post about it needing doing by Monday
  4. Found out a bit more now. Last payment was July 2010, and the debt was sold on.
  5. They wouldn't/couldn't give me that they claimed. They referred me to Lowell. Do I need to file a defense yet or wait to see if any documents come back?
  6. OK, they have received the requests, both signed for. Been away a few days and no access to the internet. What is the next stage please?
  7. All complete. Paperwork sent off and AOS. Went today as couldn't get to post office on Saturday
  8. Definitely. no more forgetting! Work has eased up a bit so can do that. Going to ensure I get it done to post on Saturday AM
  9. tbh, I didn't. It completely slipped my mind as been really busy with work. Is it worth still doing that? I know it will take 40 days. Will get the letters done and printed off and sent tomorrow THanks
  10. Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – 17/3/16 Date to submit defence = XX (33 days in total) - 18/4/16 What is the claim for – 1). The defendant entered into a Consumer Credit Act 1974 regulated agreement with Shop Direct. The defendant failed to maintain the required payments and a default notice was served and not complied with The Agreement was later assigned to the claimiant on 14/3/11 and notice given to the defendant 2). Despite repeated requests for payments, the sum remains due and outstanding The claimant claims, the sum outstanding + interest @ 8% per annum, from the date of assignment to the date of issue, accruing at a daily rate but limited to one year, costs What is the value of the claim? £334+Court fee+ legal costs. The default/delinquent value was £168 according to a credit report. Also, default date shows as Mar 2011 but no other history shows. Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue When did you enter into the original agreement before or after 2007? Was after 2007. Think it was done online but not 100% sure 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. Issued by the debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No, nothing received Did you receive a Default Notice from the original creditor? No, both could have been sent to an old address as I moved due to a relationship breakup and never got any post forwarded on Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not received any at all Why did you cease payments? Payments ceased due to relationship breakup and financial difficulties What was the date of your last payment? Unsure, sometime in 2010 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, didn't have any information due to having to move out of my previous home and not being able to get all personal effects together Would I send a CPR31.14 for a loan/credit card in this instance? I would be happy to pay the default amount, but it looks like a heck of a lot of money has been added and I don't know why Many thanks
  11. Now I have received a claim form from the courts regarding this. What should I do now? I know that a purchase was made in July 2009, but not sure when the last payment was made, so doubt it quite hits Statute barred though Thanks
  12. They are after £300. It defaulted at £160, so a whopping £140 been added to it after default
  13. Thanks. The exact wording is "WE have not heard back from you regarding your Shop Direct account and are instructed by our client to commence legal action and issue a cl;aim against you. I have absolutely no paperwork relating to Shop Direct, nothing to say the debt had been assigned. Don't even know if there was PPI on it. The debt was marked at default at about half the amount that Lowell want for it, so it isn't Shop Direct fees prior to default. If I send a CCA off, will that reset the Statute Barred clock? Also if I SAR Shop Direct, does that put this on hold until they comply with the request or do I need to notify Lowell? Thanks
  14. Hi, After a bit of advise please. I received a letter from Lowell regarding a shop direct account saying that they have been instructed by Lowell Portfolio to commence legal action and issue a claim against me, along with a load of costs on it. I contacted Shop Direct, as I was very dubious about the balance quoted, let alone the debt. I think it is something I set up for my ex to buy a few bits and pieces. Looking at my credit file, the defaulted balance is half of the amount they claimed. I contacted Shop Direct and found out (very little, other than the last purchase was July 2010. They couldn't provide information regarding any payments made (or wouldn't, they referred me to Lowell). What should I do. If it was defaulted at have the value they are claiming, are they allowed to add whatever they want to the balance? Can I request they prove the balance etc?
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