Thankyou so much. i have just submitted it. As i mentioned i have had 2 real hard years and its gone so wrong so quick. I do need to get some sort of control back, we are just so sick of all this. If i can continue to ask your advice i would feel that i can turn this around a bit and start being happy. Honestly thankyou so far, you guys are great.

Hi all I have been so stressed with all this. i really cant get my head around it all. I am having trouble understanding what to do. is there a template or something i can cut and paste into the defence particulars box.? or do i just type that the first i ever heard of this from lowells is a court letter out of the blue? i know i have messed up.Is it too late and should i just say i cant pay it. so so sorry to be a burden but im at my wits end

Thanks. Will keep away from that then.. That was the general view tbf

OK thanks. Is there any merit or anything to gain in calling these people? I've been reading some online posts and articles. Some posts say call them, but the majority say do not talk to them by phone ever. I will get the CCA CPR off today regardless.. Thanks again

Hi What type defence,if any am i looking to offer.? i will read through the forums as you suggest. Am i disputing the amount,how the claim has been made, or something else? Thanks

Thanks guys have just done the response to the court. I will read up on your links and try to get a good understanding on where this is going. I will also start a new thread listing my debts too as you suggest. It would be great to receive some good advice , its making me feel sick thinking about all this. Thanks for your help so far.

Name of the Claimant ?Lowell Portfolio Date of issue 23 Jan 2020 Particulars of Claim What is the claim for – the reason they have issued the claim? 1) the defendant entered into an agreement with capital one credit card which was regulated by the consumer credit act 1974 under reference 546**********358 on 25/09/2015 2) In breach of the agreement, the defendant failed to maintain the required payments and the agreement was terminated. 3) The agreement was later assigned to the claimant on 21/02/2019 and written notice given to the defendant. 4)despite repeated requests for payment the sum of £2300 remains due and outstanding.And the claimant claims a)The said sum of £2300 b)intrest pursuant to s69 count courts act1984 at the rate of 8% per anum from the date of assignmentto the date of issue , accruing at a daily date of £0.51, but limited to one year,being £173 c) costs What is the total value of the claim?£2700 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC no Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?We moved to this address July 2018 Did you inform the claimant of your change of address?no Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?C Card 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 ?internet Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?yes 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.purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor?no Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ?no Why did you cease payments?illness What was the date of your last payment?2015 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?no

Hi Im online and logged in. Its taking me through a 7 part questionare . Step 2 says dispute reasons. Do you dispute the claim because you have already paid it? * No, for other reasons Yes, I paid the claimant Step 3 is a box to fill in defense reasons. i dont know what to put in here. i cant leave it blank Sorry really confused now

Hi Andy. Thanks for coming back. There are multiple options ,which one do i follow? You say defend all, do you mean option 6 'if you disagree with this claim or if you want to make a claim against the claimant' sorry to ask but im not sure what part to respond to. thanks

HI all . I have recieved a claim form from Lowell Portfolio for just under £3000. Unfortunately i have been too distressed to deal with it and hid it away. Its dated 23 Jan from Northampton court. Form N1SDT. Its for a capital one card debt from 2015. Have i messed up? Is it too late to do anything.? I called a debt line last night but they said they cant help me as my husband is self employed. Although he hasnt worked for a while and money is tight. We have had a series of knockbacks in recent years and its all getting too much. Both our parents died recently, my husband had skin cancer and now i have been diagnosed with a chronic degenerative lung condition thats making my day to day life even more harder. I have had to change jobs and do less hours as im not uop to it now. We just cannot cope at the moment. If my landlord finds out about these debts will they renew our contract? I do owe money to other cards and we are behind with other bills and i just dont know what to do anymore. Do i just let it run its course now its too late.? Im frightened the others will come chasing soon. Please help me.