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Nibbles83

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About Nibbles83

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  1. Hello Guys, do hope you all are well ? anyway had a letter from the court today ive attached it for you to see. one is asumming that at this moment i don't have to do anything ? does anyone know what will happen next ? tho i think lowell is still going with the "its not SB" crap. i also doubled checked my credit report & yes the default isnt on there now . not sure if its dropped off or they have removed it . I have made a start on my witness statement , hoping to try & get it done & finished but just so tired & out of it on my med as of late, so its been a bit tricky trying to get it done ready . am I right in thinking my witness statement is just straight forward with it being SB or do you think i need to add anything ? i do apolgise guys if i have or do repeat myself just since the heart attack everything is still fuzzy & finding it hard to concertrate . Thanks Guys Nibbles convert-jpg-to-pdf.net_2019-05-25_14-04-46.pdf
  2. hello guys , dx100uk thank you for the link above i will give it a read through and sorry for the late reply . i haven't been around much due to having a heart attack just over a week ago . so i do have a lot to deal with at the moment . im still awaiting the court date to come through its only been 4 weeks since they transfered it so im guessing it should/ could be some time soon . i have noticed though that the above debt is no longer on my credit file ...... anyway i do hope everyone is well Nibbles .
  3. Hello Leedspete , one of the sites admin will answer your question in regards to your CCA . Nibbles .
  4. Thanks dx100uk , its muchly appreciated , and thank you for the help . im also sorry that i keep asking for help .... my fibro is off and pain limits are through the roof . Nibbles .
  5. hey guys , still awaiting to hear from the court , ... is there something wrong with the MCOL site as ive been trying to login for a couple of days now and it tells me password is incorrect ? also i did as dx100uk said and started looking at the claimform witness statement provident loan  ect ect but i cant find anything to help me write up my own as i wanted to get this in order before i hear from the court for the court date . im stuggling to word it i guess , and being in a lot of pain isnt helping me focus at present maybe ive missed something in the forum but i cant see anything that can help me . anyway hope everyone is well Thanks Nibbles .
  6. no they didnt wait for the agreement to terminate , agreement would of terminated nove 2014 provident sold it augest 2014 . default notice is dated 1st march 2013 ( i found the default notice . ) which has been stated a number of times .
  7. thanks dx100uk , i did mean whitness statement . i am at present in a lot of pain so please bare with me . no no court date yet so ill will await it . i will and am searching for examples to help me and ill keep searching its just how to word my whitness statement that i think ill need help with . Dogeball : you did post it already . i also asked you if it went from default date and not last payment date . so im a little confused by your post . thanks Nibbles .
  8. Hey dx100uk, how have you been ? so yes on mcol i entered my defence as:: 1) The Claimant's claim was issued on 5/03/2019. 2) The Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any cause of action for breach accrued for the benefit of the Claimant. . 3 The Claimant's claim to be entitled to payment of £5073.16 or any other sum, or relief of any kind is denied. so i dont need to add anything ? even though lowell only sent through there "solicitor" a copy of the CCA and nothing else i requested ? no default notice ,(even though i have the one from 2013 from the OC) no action before court letters ect ect . just dont want to roll up in court without anything i need as im not sure how court works for this kind of thing being it my first time to reach this point . thanks Nibbles .
  9. so lastest update on MCOL is ..... Your claim was transferred to XXXXXXX on 17/04/2019 so im guessing ill have to wait for the courts to send me the paper work now . i was wondering if dx100uk or Andy would help me write out my defence for court . hope everyone is well Nibbles .
  10. Afternoon My Friends today Lowell solictors have written ive uploaded the pdf for you guys . Is it my understanding that on the customer details sheet they have in a little box "Annual statement last sent " 30/06/2013 which i know that date is when they registered it with my credit file ( its the same date ) . yet no default notice entry to any paper work . yet i know the OC sent the default notice on the 01/03/2013 . but when i SAR the OC & They sent back paper work with yes you guessed it no default notice no annual statments ect ect ...… . i think they think i dont have the default notice . 01/03/2013 to 15/03/2019 give or take a few days to my calculation is 6 years SB but .... from the letter they say that the OC let it run the fix term agreement before selling and there fore it is not SB .... ( got to give them points for this im sure ) ..... not sure how that works when the OC sold it to Lowells on the 29/08/2014 . again they have offered me a tomlin order .... yeah because im silly enough to enter in to that with you over what i beleive is a SB debt . i sent the DQ back to the court they signed for it on the 8/03/2019 am i right in thinking they're saying because there is no default notice (they think) that it runs from the 21/11/2014 ? anyway i know not to reply to the tomlin order . Thanks Guys Nibbles convert-jpg-to-pdf.net_2019-04-11_16-40-47.pdf
  11. hey dx100uk , hope you are well , yes i know its why i just asked the question but was just replying to Andy . i did and thanks again guys thought i had booked mark it but hadnt but have now . Thanks Nibbles
  12. hey Andy , how have you been ? SAR to halifax: lloyds: oakham: Thanks Nibbles
  13. Hey Guys , Just to doible check when sending a SAR do we sign it or not ? Thanks Nibbles
  14. Hey Thanks dx100uk , they all nicely ready for posting in the morning Nibbles
  15. Hey dx100uk, Thank you for replying ... ok i know i need to double check for my self , on the form : c1 : do you adree that the small claims track is the appropriate track for this case ? yes / no ? if no please state why : ? also i know i sign the courts one but do i also need to sign the one i send to lowells solicitors ? Thanks Nibbles
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