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Blueboy7

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  1. Thank you andyorch just few more questions, I put defence in and cca forms dont come back then will submit that to court as I dont owe lowell the money...also the dates on form say acknowledge the forms so that's 14days then 28 days to pay either way ?
  2. After looking into the defence I.e lowell producing original paperwork, if they do pop up with it as it was a online application for both, they would be able to proceed with the ccj and we unable to pay the amount that they want, Would the ccj be put on credit file ? if this is the case is there a set time that the money has to be paid back ? Or does the judge determine the time span ?
  3. Thanks I will get that done, what will next process ?
  4. Name of the Claimant ? lowell portfolio ltd Date of issue – 28/8/19. AOS +19 days =13/9/19 Defence filing = 27/9/10 Particulars of Claim What is the claim for – 1) The claim comprises the following agreements the defendant entered in to: A) gratton plc and Freeman's plc with reference $$$$$$$$$ and current balance of £489.23 B) shop direct financial services with reference $$$$$$$$ and current balance of £922.89 2.The agreements were terminated as payments were not maintained and subsequently assigned to claimant. 3.And the Claimant claims : a) the total of said sums being £1412.12 b) interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of issue, but limited to one year, being £90.92 c) costs What is the total value of the claim? £1688.04 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? No Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes just added in September 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 Were you aware the account had been assigned – did you receive a Notice of Assignment? Not aware Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Was told by lowell after financial assessment that they would get intouch in few months to see if financial situation had changed,as they didn't think I could afford payments. What was the date of your last payment ?Jan Feb 2019 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? Yes Hope this helps.Thanks
  5. Received a ccj letter from 2 catalogues, was paying 10pw off 1 debt and nothing off the other as lowell said i couldn't afford to pay the 2 off, was finding it difficult to make payments and told lowell, who suspended payments and said they would contact again to check if was in better financial situation to carry on paying, that was 7mths ago, today received a ccj letter from Northampton business centre, called lowell to try and set payments up again ( not letting on that had received the ccj letter) they say its been passed over to another part of company, ring them to try set payments up not telling these about letter too was told they have sent a letter out in regards to account, they wouldn't except any offer of payment said need to pay full amount 1500 that's with charges asap or over 3mths max to pay it, I dont have that money and explained this but woman wouldn't listen, need some advice on how to go about what to do next please.. Thanks
  6. Yeh that's who it was, he asked for proof of name i gave ect told him to write if want any Information, Should I just ignore ...
  7. Just had a knock on the door from a man from a company called EVOLVE asking to speak to myself ? Obviously sent him packing and didnt give the name he was asking for, he went around to neighbour's house's asking if knew who lived at my address...
  8. Hopefully Really appreciate all the advice I know must have picked your head dx
  9. Bit of a update, received letter from Mortimer asking to call and discuss repayment plan within 7 days, or a field agent would be calling to have a discussion in relation to my financial situation and trying to sort payment plan out..
  10. So you think should just leave the both of them and see what becomes of them, let them make a move..
  11. What you recommend I should do about the Mortimer scenario, ring or leave they threatening ccj and sent more of them forms again fill in, they already had them once
  12. So what to next, if iva not the answer, And will try with pdf
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