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  1. Thanks all done defend all And cca letter sent to the claimant solicitors I now have About 29 days to defend Thanks next move appreciated
  2. Hi thank you the vanquis card was taken out oct 2009 The last payment April 2019 October 2020 it says (s) I had no letters of claim Lowell Thank you. Hi I got in debt paying my son drug dealer evilutes more gonna come any help appreciated
  3. County court business centre Northampton Hi please help date of claim - 17 June claimant - Lowell portfolio Ltd solicitors Overdale POC. 1.The claims for the sum of £2840 Due by the defendant under agreement regulated the consumer credit act 1974 for a vanquish account 3######## 2.The defendant failed to make contractual payments required By the agreement and a default notice was served under s.87(1) Of the consumer credit act 1974 And not been compiled with 3.The debt was legally assigned to the claimant 0n 30/09/20 Notice of which has been given to the defendant 4.The claim includes statutory interest s.69of the county courts act 1984 at a rate of 8% per annum from the date of assignment to date of issue of these proceedings in the sum of £227.24 The claimant claims the sum of £3067.70 Court fee £205 Legal rep fee £80 Total £3352.70 What is the total value of the claim? £3352.70 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? don't recall anything Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after April 2007 ? doesn’t recall, but the documents suggest after Do you recall how you entered into the agreement...On line /In branch/By post ? doesn’t recall 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. Debt Purchaser 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? doesn’t recall What was the date of your last payment? doesn’t recall Was there a dispute with the original creditor that remains unresolved? doesn’t recall Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? doesn’t recall
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