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  1. Please can I ask as this claim involves an old style mobile phone account and also a personal loan and a credit card. Do I send a combined cpr 31:14 or two seperate letters to the solicitor please? Or does the mobiles bill not count as telecoms? Thank you.
  2. Thankyou. I will need to check tonight on my bank statements. I need to see if I can get the details of who I paid on debt management also whi I paid up until 2 years ago this month. We stopped paying this then as I left my job and we were short for a few months then we never got back onto it.
  3. Thank you in advance for any help. Name of the Claimant ? LOWELL PORTFOLIO ltd OVERDALES SOLICITORS Date of issue – . 05 Oct 2021 23rd October to acknowledge by. defence date 5th November Particulars of Claim What is the claim for – the reason they have issued the claim? 1) The claim comprises the following agreements the defendant entered into: a. <mobile phone company> with reference ########## and current balance of £####.## b. <credit card company> with reference ############ and current balance of £###.## a <high interest personal loan company> with reference ###### and current balance of £####.## The agreements were terminated as payments were not maintained and subsequently assigned to the claimant. and the claimant claims: a) The total of the said sums being £4###.## b) Interest persuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year, being £###.## c) costs Amount claimed £####.## Court fee £205.00 Legal Representatives costs £80 Total amount £47## What is the total value of the claim? £47## Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? Through a Debt management company (I stopped paying this due personal reasons) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile phone, Personal Loan, Credit Card When did you enter into the original agreement before or after April 2007 ? I think they were all after this Do you recall how you entered into the agreement...On line /In branch/By post ? I think the mobile phone was in a mobile supermarket type shop and the others were probably online / over the phone but I cannot honestly remember Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Not sure - I will check and update later if needed 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. Assigned - debt purchased Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Not sure Why did you cease payments? Struggled to afford them What was the date of your last payment? Not sure this was through a debt management plan that I stopped I think Was there a dispute with the original creditor that remains unresolved? No I don't think so Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I was in a debt management plan but stopped paying as I could not afford it at the time due to losing my job.
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