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About itsamomentintime

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  1. I'll post what I filed tomorrow If xmas counts, then I'm within time, is this correct?
  2. No I haven't done anything apart from the acknowledgement of service i think i need to file a defence asap Name of the Claimant ? Lowell Portfolio Date of issue – . 29th Nov 2019 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 BT plc with reference xxx and current balance of xxx b. Sky UK limited with reference xxxx and current balance of xxx the agreements were terminated as payments were not maintained and subsequently assigned to the claimant. What is the total value of the claim? 563.48 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? no Did you inform the claimant of your change of address? n/a 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...) ? no 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? accounts were closed 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
  3. Looks like Lowell have issued a court claim, which I have acknowledged. The mcol website is inviting me to offer a defence, was wondering if you guys could help me with it, or point me in the right direction?
  4. Thanks dx, I understand. However what legal recourse is available to get it sorted? I've been offered a great deal with my existing lender
  5. I have written to them asking for them to confirm any financial interest in my property but they have not responded. Its been a month. Wondering what options I have now as I want this removed from my property
  6. Thanks dx. I also received an information sheet which lists what documents I should request from them, including a copy of a written contract for the debt, a full statement of the account, a noa and a description of any admin charges on the account. They've not provided any so this will be pointed out should this go to court
  7. Hello all I have received a letter from Lowell stating that I owe them money from an old Sky account. I replied asking for any statements, contracts relating to the account and any NOA. They responded with a template NOA, nothing else. I was wondering what the next stage is, as I see that they like to take people to court.
  8. Text is: Restriction: no disposition of the registered estate other than the disposition by the proprietor of any registered charge registered before the entry of this restriction is to be registered without a certificate signed by the applicant for registration or their conveyancer that written notice of the disposition was given to cl finance Ltd at Howard cohen being the person with the benefit of an interim charging order
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