Name of the Claimant ? Lowell Portfolio 1 ltd
Date of issue – 29th December 2017
What is the claim for – the reason they have issued the claim?
1.The claim is for the sum of £4724.88 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a Shop Direct account with an account reference of xxxxxxxx
2.The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit act 1974 which has not been complied with.
3.The debt was legally assigned to the claimant on 28/Feb/2014, notice of which has been given to the defendant.
4.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £377.99
The Claimant claims the sum of £5102.87
What is the value of the claim? £5612.87
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue
When did you enter into the original agreement before or after 2007? After
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.
Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes. I think so over 2 and a half years ago I think
Did you receive a Default Notice from the original creditor? Yes. I think so over 2 and a half years ago I think
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that I can Remember not had 1 in the last 2 and a half years
Why did you cease payments? Lost my Dad, went through a bad patch buried my head in the sand
What was the date of your last payment? 27/08/2013
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 plan? No