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  1. yip its the only thing on my credit report. i have equifax plus experian. Nothing on them except the 02.
  2. Unfortunately it has. Can't even get a credit card or even an increase in my overdraft. It has been an issue, even when I had my meeting with the bank about getting a mortgage it came up straight away. It's a complete stuff up. Hence why I was hoping I could get it removed. I'll have read through that article above.
  3. Ok I see, so unfortunately i will have a default on my name for the another 2 years. It's totally unfair, cause now I can't buy a house for the next 2 years!!!!
  4. Thanks to you guys! The default was noted on the 26th of July 2016, so still still 2 years to go. On my Experian it says that default notice/company is Lowell's. So surely if they have given up then i can get the default removed? Nothing on there says anything about 02.?
  5. Hello chaps! For everyone involved I just want to say a massive thank you! We won boys we won. They discontinued the case completely! So chuffed! I'll be giving a donation next month! Thank you all again. I wanted to ask, now that the case is discontinued can I ask 02 to remove the default or will this not happen ? I really want to buy a house and it's reflecting badly on my credit score! Thanks again guys. I'll upload a picture of their letter soon as I have time!
  6. Received a notice of transfer of proceedings. I assume this is normal.
  7. Ye they never sent anything. I did say not to make contact as i am just finishing up lambing. Plus the mediator sounded like a real cow. It sounded like she worked for lowells, they way she carried on. Any way moving forward, ill wait for my n157 and see what happens. Either way, whatever happens they not getting a cent off me.
  8. Hi chaps hope you all well. Had a surprise call by the mediator today was in my tractor so really caught off guard.She said would I like to settle this amount by mediation.?my response was no,I want to defend this case all the way to court. Not sure this was the right answer or not ?
  9. ok all done, i have sent it to all the email addresses available. i got a auto response to all saying thanks for the email
  10. spoke to one of the staff at the courts, she saying they are behind in processing the questionaire. they will be doing it shortly. Do i take that as the truth or just send one again? Can they move against me if they claim i never sent one through?
  11. Hi guys urgent matter here. Checked mcol and its still not showing my response n180. I have emailed them 2 weeks ago and no response. Today is the last day it has to be in. I have sent it 3 times already. Once by post and have sent an email twice? trying to call them now with not much luck.
  12. So regards to the email i shouldn't do a thing? And the n180 even though i have sent it, should i try contact them or just leave it or what?
  13. I emailed within the time period about the 10th or so of April. Only has to be in on the 4th of May. What link are you asking for?
  14. HI chaps i got this in my email today, not sure how they got my email address. Any thoughts or advise will be welcome. I have removed all personal details and addresses etc Claimant: Lowell Portfolio I Ltd (Our Client) Defendant: Mr Our Ref: Claim No: Dear, We write further to receipt of your Defence dated 4 March 2020, the contents of which have been noted. In your Defence you state: The Particulars of Claim are generic in nature; The Letter of Claim has not been served; You admit to having an Agreement with O2 (UK) Ltd but do not recall the exact details or having an outstanding balance; You state you have not received a Statement from O2 (UK) Ltd; You are unaware of a Notice of Assignment or a Legal Assignment; You filed a CPR 31.14 request on 5 February 2020 and have not received a reply; You state that should the amount outstanding include an Early Termination Charge, OFCOM have confirmed that this is unlikely to be fair as it fails to take into account the provider no longer has to provide and pay for the service. My client’s response is as follows: The Particulars of Claim provide enough information for you to identify the Original Creditor (O2 (UK) Ltd) and the account number it is referring to.xxxxx The Letter of Claim was sent to your current residence on 17 November 2019. Please find attached above a copy of the Letter of Claim. O2 (UK) Ltd have confirmed to my client that the Agreement commenced on 11 July 2014. The last payment date was 28 December 2015 in the sum of £1,585.42. The mobile telephone number linked to the account was ..... The Application and billing address was xxxxxxxx. The Bank Account linked to the Account was in the name xxxxx – Sort Code **-*7-90, Account Number ****3468. A copy of the Statement of Account is attached above. A Notice of Assignment was sent to you on 23 September 2016 to the address . This confirms that the matter was legally assigned in accordance with the provisions listed in s.136 of the Law of Property Act (1925). A response dated 2 March 2020 was sent to you confirming that as this matter is not a Consumer Credit regulated matter and as such, O2 (UK) Ltd were not required to retain a copy of the Agreement. O2 (UK) Ltd have confirmed that the amount owed is as a result of airtime debt accrued by yourself. In consideration of the current circumstances, my client is keen to resolve this matter amicably and to avoid further legal action which would incur further costs and fees. My client proposes the following options for settlement. A lump sum payment of £2,900.00 in full and final settlement of the claim or £5,819.20 to be paid in monthly instalments of £100.00. We are also willing to consider any further sensible payment proposals to pay the debt within a reasonable timeframe. Payment can be made: On our website - https://lowellsolicitors.co.uk/. Please confirm the reference of your account in order for the payment to be allocated correctly. By bank transfer to our Bank Account (Natwest, Sort Code: 60-00-01, Account Number: 296421571 and Payment Reference: xxxxxx). Calling us on 0113 335 3338 and making the payment over the telephone. Upon payment being received in cleared funds, our client has instructed us to notify the Court the case has been settled and close the account. Please contact us on 0113 335 3338 or email [email protected] if you have any further questions and to confirm receipt of this letter. O2 (UK) Ltd have confirmed if you wish to speak to them further regarding this matter then you would need to contact their customer service team on 0344 809020. If you are at all unclear, we recommend that you seek independent legal advice. Free legal advice is available from the Citizens Advice Bureau. We look forward to hearing from you. Yours sincerely, Madeeha Ahmed Complex Litigation Paralegal Lowell Solicitors Limited Also i have emailed off my 180 questionnaire, but on the mcol it has not updated. Do i need to be worried or not ?
  15. sorted thanks andy, now its saying that the email address does not exist ? [email protected] Sent it too this email address with a response saying it doesnt exist ? again i appoligise i see the mistake.
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