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About pablo23

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  1. Thanks Jon/DX. I'll go with that. I've not seen the pre action docs but I'll have a good read now!
  2. I didn't think that was relevant because either way Halifax does fall under the Lloyd banking group, as well as the letters they've sent confirming it's a Halifax current account, which will only materialise in court should it reach that point. If it's best to defend strictly to the POC wording - I can go with my initial: 1. The Defendant is unaware of any financial dealings directly with Lloyds Banking Group PLC
  3. Hi Guys - Sorry to pester, I will be submitting the above defence shortly. I just wanted to ask a quick question regarding their response to the 31.14 rquest; They mention they have requested statments and a copy of the default notice - until they receieve a response, my account is on hold. Do I still submit this defence regardless of the account being on hold?
  4. Thanks DX - I think I've made the second suggestion work. Defense 2.0 - If you could have a quick glance, let me know if I've done anything stupid. *********************************** POC: Debt assigned on xx/06/15 by Lloyds Banking Group PLC and the Claiment claims. 1. 2xxx.xx 2. Statutory interest pursuant to section 69 of the County Courts Act (11984) at a rate 8.000% per anum from xx/06/15 to xx/12/17 2xx.50, and thereafter at a daily rate of 0.62 to date of judgement or sooner payment Ref: xxxxxxxxxx Defense The Defendant contends that t
  5. First attempt, pulling / adjusting from multiple sources. Because of the vague POC, it is mostly generic. From what I’ve read, I am only defending the POC in the claim form – although it’s been narrowed down to a Halifax overdraft – the POC clearly states “Lloyds banking group”, making my response in P.1, I feel, still accurate. But there might be a better way to word this.…. If you can have a quick look for me – I would appreciate any feedback – be as harsh as you want! POC: Debt assigned on xx/06/15 by Lloyds Banking Group PLC and the Claim
  6. Hi All, and Happy New Year! Back again with an update! Lowell solicitors sent me two letters in response to my CPR Request. I've attached the letters, but here's a quick brief: Letter 1 Lowells Reference Number: xxxxxxx Claim Number: xxxxxxx Original Company Name: Lloyds Banking Group Original Account Number: xxxxxx (which is the 11 digit number that doesn't appear to reference a bank account or sort!) Current Balance: xxxxxxx Acknowledgement of service has been noted on the account The above referenced matter is in relation to a former halifax
  7. I've sent the CPR this morning, recorded delivery, arrival for tomorrow. I'll keep this post updated as it progresses. Thanks for all your help so far - really appreciate your prompt responses - donation en-route!
  8. Ref PM'd. Nope, England. The Lloyds Banking Group, which is stated in the claim form - the sum is the exact match for default on a Halifax current account in the credit reference agency. All the dates add up to this being the same account.
  9. There's an 11 digit reference number, but no account number - unless the reference number is an account number of some sort... The POC states LLoyds Banking Group, but the account was with Halifax, so chances are this won't have much effect on anything (as they are part of the Lloyds group)
  10. Thanks Dx, already done the MCOL - I'll print the CPR 31:14 as is, and send out first thing tomorrow. This is the whole thing word for word Particulars of Claim Author Document Debt Assigned on XX/06/15 by Lloyds Banking Group PLC and the Claimant claims 1. 3000.00 2. Statutory interest pursuant to Section 69 of the County Courts Act (1984) at a rate of 8.000% per anum from XX/06/15 to XX/12/17 XXX.XX, and thereafter at a daily rate of X.XX to date of judgement or sooner payment. Ref: xxxxxxxxxxx
  11. Exactly! I'm not sure if it's a good thing or bad thing at this point...
  12. Hi fkofilee - I'm guessing that's a letter issued before the claim is issued, in which case, I haven't received.
  13. Name of the Claimant ? Lowell Portfolio I LTD Date of issue – 18/12/2017 What is the claim for – Particulars of Claim: Author Document Debt assigned on XX/06/15 by Lloyds Banking Group, and the claimant claims: 1. 3000 2. Statutory interest pursuant to section 69 of the county courts act (1984) at a rate of 8.000%...... etc Ref: xxxxxxxxxxxxx What is the value of the claim? 3000 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Bank/ Overdraft - however, I'm not sure they know that. W
  14. Hi All, Thank's for taking the time to read this. I know there's tons of information out there regarding such matters - and after much research, I think have a pretty good grasp of what needs to follow, but I'd really appreciate your advise or any input you have! The low down: 2012, low point in my life, lots of debt (I know, I've had my spanking). I have a perfect history for over 5 years now - so it's essential I avoid a CCJ at any cost! The debt was a current account / overdraft. It was defaulted in late 2012, on my credit report, it's showin
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