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disneygirl

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Everything posted by disneygirl

  1. hi dx paragraph 1 totally correct paragraph 2 will put in safe and forget until needed wish I had not posted sar now
  2. Hi dx to save looking back copy pasted Post 37: "Hi Although I have not posted I have not been idle. I have sent Lowell Sol CPR 31.14 re each of the companies on claim form. 22-24/07/2019 I have sent Lowell Port CCA s78 re each of the companies on claim form. 22-24/07/2019 I have sent companies ( original creditors ) listed on claim form a SAR. 29/07/2019" Regarding the above post I have received nothing at all from lowell sols and/or lowell portfolio the only documentation I have received is from Studio Cards in response to SAR re question on upload what is shown in the 2 documents at Post 78 is as it was received all paperwork just merged into 1 in both cases
  3. hi dx paperwork posted is direct from studio cards according to post code on envelope not lowells no paperwork from lowell since their n180
  4. Hi all been away for awhile getting my head together and awaiting developments now back so on with the show received paperwork while away but only from Studio Cards (see attached) - credit agreement and sar N180 not received from Low MCOL still shows the same as on date my defence was received so no change there so I presume now a waiting game to see if more paperwork appears re j.d williams? Credit Agreement Merged.pdf Subject Access Request Merged.pdf
  5. Untitled 3.pdf it probably does not make a difference. The problem I have is in completing N245 because of different names used on documents.
  6. Hi refer post 9: it is shown on Equifax as an "Active CCJ" just goes to show - check as many credit agencies as possible. refer post 8: the name shown on Lowell paperwork and on CCJ is not my daughters Therefore I am struggling to complete N245 because of name difference Posted letter to Lowell explaining situation and asking for "Debt and Mental Health Evidence Form" to be sent to her. Any thoughts please. T
  7. @ London1971 many thanks will follow up asap. She is under the care of a social health team at the moment all trying their best to help her @ dx every address she has lived at is shown on credit file T
  8. so bearing in mind paperwork received from Lowell is not for an Active CCJ ( according to credit file ) is it worth sending N245 to court OR are Lowell pulling a fast one?? T
  9. sorry for posting twice needed to edit but forgot Hi all dx ref post 2 - my wrong no credit cards ref post 4 - payments to Lowell Portfolio 1 - are 4 per month at constant values small but add up, can post pdf of values if needed Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt The only Active ccj listed on creditkarma is for a totally different case number and value? The paperwork Lowell has sent her regarding ccj arrears, the Claim Number is shown on creditkarma under "Financial Account Information / Open Accounts / Other Accounts" Not listed as "Active CCJ"? Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post? Would this be the best way? Is it still worth completing N245 to post tomorrow? As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next. Sorry for long winded post seems more questions than answers T sorry dx cross posted have credit file in front of me now
  10. Hi all dx ref post 2 - my wrong no credit cards ref post 4 - payments to Lowell Portfolio 1 - are 4 per month at constant values small but add up, can post pdf of values if needed Only reference is - Lowell Portfolio 1 - so she has no idea which payment relates to which debt The only Active ccj listed on creditkarma is for a totally different case number and value? Told her to close current bank account and open new one thereby cancelling payments, and to wait for paperwork through post? Would this be the best way? As regards paperwork for debts her relationship with biological is extremely toxic so no access to paperwork, just waiting to see what post delivers next. T
  11. Forgot to state name on Lowell paperwork and on ccj are the same but her biological could not even spell her names correctly so both Lowell/ccj in wrong name Many thanks again T thanks on pcm will check
  12. Hi dx Sorry for late reply had to rush daughter to hospital for ongoing Gall Bladder problems please explain "£PCM" Will post details of all asap when I have more details Many thanks again T
  13. Hi all Briefly my daughter 27 years old, has 2 ccj’s (1 she has failed to keep up payments on) plus other credit card debts. She is living with me temporary at the moment with her 1 year old son while trying to find accommodation. She is dyslexic in words and numbers (plus mental health issues bought on by debt) cannot work out basic change in money, she is unemployed, so she is on benefits due to health issues. She was living with her biological father at the time who apparently controlled all the money coming in while making sure all the bills were in her name. This resulted in the 2 ccj’s which he dealt with by completing the paperwork and ADVISING her not to defend them. She has now received a letter from Lowell dated 23/08/2019 “Notice of County Court Judgement (CCJ) Arrears” Listing enforcement action pending and all the things they can do to her. And 14 days to pay money she does not have. my thoughts, few as they are is the following: Would it be any good using court form N245 for “suspension/variation” or would it be better to use form N92 Application for an “administration order”? YES it is her fault for not asking advice BUT if you cannot trust your own father who can you trust? Thoughts advice much appreciated. T
  14. Thanks for prompt reply Andy out of UK from 07/09 for a week just getting concerned I know you are busy once again many thanks
  15. Hi Still awaiting dq [n180] from court is this unusual re the amount of time since posting defence? Checked MCOL nothing shown except dates defence submitted and received. Any thoughts much appreciated, even if its only to bite my tongue and to sit and wait for the court.
  16. I presume I would complete the court one (after advice) and return it
  17. Sorry dx, should have paid more attention, thanks Attached redacted pdfLowell response to defence received 19-08-2019.pdf
  18. Hi Well Low has deigned to reply, received today, see attached PDF Presumably I ignore this? As always will be guided by those more knowledgeable than myself. Many thanks
  19. Defence submitted @ 15.49 on 12/08/2019 now to wait and see cannot thank DX and Andy enough will keep you informed of any and all progress T
  20. Yes Andy BUT preparation is half the battle lol
  21. thanks dx will start looking at witness statement's next
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