lowell PAPLOC now Claimform - Old Cap1 Debt notice still applicable? in Financial Legal Issues Posted September 6 · Edited September 6 by Badger91 grammatical errors I had already paid the full balance before you had replied, after you said I had no defence, I don't see why I would submit a defence, when you have just told me I don't have one, because I am only relying on the fact that they haven't provided the NOA + DN, if that's the case why did Dx advise me that I should ignore them and let it go to CC, when I told him all that I was missing was the DN + NOA, If I had no defence then why didn't he tell me there and then before it went to CC, I told him I received the CCA after I replied to the Paploc letter. why would I incur further fees by dragging it out for another 33 days, I rang the courts and asked if it would be possible to pay the previous balance and they said I would have to pay the full amount, so I've paid it, I'm fed up with it, I have not submitted a defence. Lowell said they wont request for CCJ because I've paid in full. Is this site a joke or what, do you actively take pleasure out of misleading people and giving incorrect advice, I feel like have been set up to fail, leading to unnecessary fees being added from following misleading advice.