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  1. Which Court have you received the claim from ? Northampton Name of the Claimant ? Lowell Portfolio Ltd Date of issue – 25th May 22 Particulars of Claim What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. PayPal Credit Default What is the total value of the claim? £1105 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? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? No 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 ? Online 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. Assigned to Lowell from Paypal Were you aware the account had been assigned – did you receive a Notice of Assignment? No 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? Couldn’t maintain payments due to unemployment What was the date of your last payment? Sept 2019 Was there a dispute with the original creditor that remains unresolved? Yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
  2. So they are pressing ahead with it. Got a letter today. issue date 25th May, from Northampton County court Business centre. there’s a response pack, an admission form and a defense form. what’s my best course of action now?
  3. Thankyou for the reply. PayPal have closed my account so I can’t actually log into it to view either the agreement or the balance or the transaction history. On the original email it does state Credit is offered by PayPal (Europe) S.à.r.l et Cie, S.C.A which is duly licensed as a Luxembourg credit institution and is under the prudential supervision of the Luxembourg supervisory authority, the Commission de Surveillance du Secteur Financier.
  4. Overdales have sent me a "Letter of Claim" - 30 days to prevent legal action. Along with a Financial Status sheet and a Reply Form. The Debt is £600 with Paypal Credit. The letter states : on 01-05-2018 you entered into an agreement with Paypal Europe Sarl & Cie SCA to provide you with a Paypal Credit account. The Last payment I made was October 2019 They state that the agreement was terminated and assigned to our client (Lowells) on 15/9/21 The Paypal account was in dispute for a return on a faulty item that was lost by a courier and never recovered, They refused to refund it, which is why it remains unpaid. Is there anything i Can do to avoid court action or do I just finally have to take the hit? Thanks!
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