received c/c summons from lowells via n/Hampton indicated that didn't have any knowledge of debt and would defend on line n/Hampton acknowledged . this am a letter from Lowell solicitors Form N 190 already filled in just requiring my sig , they did also state that court would be in touch ive heard it all now or is this the norm. have sec 77 lowels no reply as yet

Another of my daughters court cases. This time for a ee mobile telecoms debt. I will post up the poc later but in the meantime I have never had any involvement with a telecoms debt can you send a cpr31:14 or is there another way of obtaining information from the solicitors and the original debt holder ( EE ). Sleepingdog

Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 17 July 2017 date to submit defence 19 August2017 What is the claim for – 1) The Defendant entered into an agreement with Orange under account reference ..... ('the agreement'). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 18/12/2013 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £465.45 remains due and outstanding. And the Claimant claims a) The said sum of £465.45 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.102, but limited to one year, being £37.24 c) Costs What is the value of the claim? £632.69 including court fees Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile phone account When did you enter into the original agreement before or after 2007? After 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. Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No, received one letter and then County Court Claim. Did you receive a Default Notice from the original creditor? I don`t think so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I cancelled the account in full accordance with the original claimant's cancellation procedure. What was the date of your last payment? 26th April 2012 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. Hello everyone, first time here but I have read a few threads on here and seen the great work you guys do. I`ve got this county court claim that came through (22/07/17) as stated above I have gone through the necessary steps as stated in previous cases, that is Acknoweledgement of service (26/07/17), CPR 18,(27/07/2017) and now I am preparing my defence. My question is to do with the reply for the CPR I got from Lowell Solicitors, I received, the cover letter, the notice that they bought my debt and the notice of assignment from orange( very dodgey). Will post attachment if needed. My first question is, in the cover letter they state that my last payment on 26/04/12 was for £60.72 but in actual fact I paid £120 on that day, as backed up by my online bank statement for that month, should I mention this in my defence and if I should how would I word this properly? Secondly because of the nature of the notice of assignment (no official logo, no traceble name, not very professional) is there a way to dispute the disingenuous nature of the letter. Your assistance will be greatly appreciated .Thanks Mike

Bit of help/advise needed. during a recent search through the credit file I came across a default registered by Lowell Financial a former Provident debt. following some threads on here first thought was to CCA them CCA'd them on 14.06.17 finally received a copy of a credit agreement and statement of account on 29/07/17. however I am dubious as signature doesn't look like mine, the agent I was dealing with back then was named Joan and never had any contact with the agent named on the credit agreement. also on the statement of account it states I made a payment of 10.00 on 16/05/2013 however I did not make this payment. having checked the default date its 23/01/2012 so suspect they are trying to get around the stat barred rules. can anyone give me an opinion on the attached and also how to go about dealing with this. As 100% the agent signing is not the one I dealt with there was no payment on 2013 and statement looks abit iffy at best img011_LI (2).pdf img012_LI.pdf

I received a POC from Cohen /Lovell on an old orange account Submitted acknowledgement of service via MCOL,within the time frame ,i have now as i understand it to be , to also submit my defence before 28 days via MCOL 1:Whilst reading the posts i also have sent a CPR 31.14 request to the solicitors 2:Sent a Consumer Credit Act 1974 request to lovell included £1 3:Sent a SAR to Orange included £10 All above sent and awaiting responces Today received a letter from solicitors of claimant stating the following: NOTICE OF PENDING CCJ You are aware that we have issued legal proceedings against you in the Northampton court As you have failed to respond with proposals for payment or provide any valid explanation why the debt should not be paid ,we are now instructed to enter judgment against you I order to prevent judgment from being entered ,you should pay £xxx within the next 7 days Received letter on the 10th Feb and have till today as per date of letter if i take the 7 days counter Any advice would be helpful

around 11 months ago Lowell started sending letters claiming money owed to them for a debt they bought from shop direct. the amount they claimed was ridiculously high when i received a letter i simply just binned it. on the 26th April 2016 i received a letter from Cohen Cramer saying that because i have ignored all previous letters from Lowell and Lucas Credit Services (client agent) if i did not contact them within 14 days they would issue a claim in the County Court. I decided to write to both Lowell and Cohen Cramer. I sent Lowell a CCA request I wrote to Cohen Cramer explaining that i had requested the info from Lowell as to ascertain where this debt and the amount claimed had come from. I asked Cohen Cramer to hold court action until i got the info. After i sent both letter dated 3rd May 2016 i received a reply from Cohen Cramer dated 10th May 2016, stating that they had received my letter and that their client has given them a minimum period of 45 days from the date to send the documents which i presume they was referring to my CCA request. I then received a letter yesterday, dated 16th July 2016, attached to the letter was a double sided photocopy of a letter of assignment, but no credit agreement (not even the standard 1 page photocopy with no signature). This was not what i asked for from my CCA request to Lowell. They have now stated that if no reasonable proposal is forthcoming within 14 days then legal proceedings will be instituted. Just wondering if anyone could help and give some advice as i am unsure of what to do next. I was wanting to contact Cohen Cramer again but i am not sure what to put in my letter. any help would be greatly received, thank you for your time Letters From Cohen.pdf

I am helping a friend out with her debts. The most pressing problem is a letter from Lowell Portfolio for an orange mobile debt. They say they Will issue a claim in the county court if they do not hear back within 14 days there are 6 left. The default balance is given as £120 on 17/6/2012 the balance now stands at £398.71 and the letter says it will increase to £515.61 if it goes to court. She cannot recall much about the contract. I would like to buy her a bit of time as she has come into some money and may be able to pay an amount back to them. I just want to be able to establish how the debt has grown from £120 to £398 first. Any help much appreciated.

Just a quickie I think: I'm preparing WS for my wife to be issued tomorrow, Lowell (J D Williams) 1. Agreement sent has no date, credit limit or signature 2. Agreement is for Fashion World not JDW 3. T&C's are for Ambrose Wilson not JDW or FW 4. T&C's are dated 24/05/10 5. The above does not correspond to the agreement. 6. Lowell are unable to lace original default notice so no proof one was even issued correctly. Are these issues valid in our defence. Any thoughts? Debt is for £400 and court date set for July. Thanks

Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – 7 July 2017 Date to submit defence - 8 August 2017 What is the claim for – 1. The defendant entered into an agreement with Orange under account number XXXXXXXXXX 2. The defendant failed to maintain the required payments and the service was terminated 3. the agreement was later assigned to the claimant on 21/12/2016 and notice given to the defendant 4. despite repeated requests for payment the sum of £240.19 remains due and outstanding and the claimant claims a) the said sum of £240.19 b) interest pursuant to s69 county courts act 1984 at the rate of 8% from the date of assignment to the date of issue, accruing at a a daily rate of £0.053 but limited to one year, being £10.37 c) Costs What is the value of the claim? £325.56 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile Contract When did you enter into the original agreement before or after 2007? After 2007 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 - Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes - this has been through several debt purchasers Did you receive a Default Notice from the original creditor? Can't remember, presumably yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? The original contract (2 years phone + service) had been paid, Orange took unauthorised/disputed payments; bank reversed transactions What was the date of your last payment? Not sure, sometime around 2013 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, refusal to pay I have prepared a CPR13.14 request as per the instructions I've read. Is there anything else I need to know/do? My mum is going out of her mind with worry about this. Your help is greatly appreciated. Thanks in advance Hello CAG, long time lurker, first time poster here I've perused these forums for a fair few years now for help with my debt issues. Keep up the good work and I intend to make a donation come payday regardless of the outcome of my case. Pleasantries aside, I've got a problem with Lowlife solicitors. They've issued a County Court claim against my mother for an old junk debt with Orange that they've acquired. I've filled out the MCOL forms as per instructions with the intention of defending all claims and completed the initial questions above. Apologies if some of the information is vague/incomplete as my dear old mother has forgotten some of the relevant information.

around 3 years ago I took out a vodafone contract. I was promised 4g in my area along with a nhs discount on my bill. From the get go I never received 4g and as soon as my first bill came through it was completely wrong. Fast forward around 6 months multiple phonecalls and visits to store and still never sorted it. Phone was constantly being cut off because I hadn't paid what they claimed I should have yet every time i phoned they admitted to be charging me wrong and would reconnect the phone and amend my bill. This went on to the point of driving me mad the phone was useless as you never knew I'd it was connected or not.. . they finally called me one day and I told them it wasn't fit for purpose and I wanted to cancel the contract and that everything from this point would be in writing. After that nothing. No more bills no more letters requesting payment etc. Around 6 months after this point I moved house to my current adress and have never heard anything. Fast forward to yesterday 28/11/2016 And i get a letter through door for the county court business centre from lowell portfolio ltd. Claiming I owe £763 for failing to make the required payments. In the particulars of claim it states it was taken on in by lowell in March 2015 and that there has been repeated requests for payment. I have up to yesterday heard nothing from them. One other thing that seems odd is the date of issue the letter claims date of issue is 21/11/2016 yet it was only received yesterday. My question is where do i stand. I plan on contesting it and was going to submit a subject access request to see exactly what they claim to have sent me. My only concern is timescale as the date on the letter is a week different to date i received it. It's also just shown on my credit file but wasn't there before. I know this as I checked it earlier in the year as I'm trying to get a mortgage. Thanks

Hi, I have emigrated from the UK, but Lowell keep sending letters to my old address. They are being marked with 'No Longer at This Address - Return to Sender' but, after being returned, they send out a new one to the same address. How do I make these guys stop? For what it is worth, I do not even owe the debt. Prior to moving, I cancelled my contract with Plusnet. I paid off the last remaining month, then cancelled the direct debit just in case they forgot to close things off on their end. That is exactly what ended up happening as, a month later, they sent me an e-mail asking me to get in touch with them over money I owed them for the previous month. I did so and I was told that they no longer have me on their list of active customers, so they are not sure why I was billed and they told me that I didn't owe them any money. A couple of weeks later, a letter arrived in the post. I have googled the address and traced it to Lowell's. It appears to me that Plusnet have sold off a debt that doesn't exist, who will now not stop sending letters. As I am overseas, the letters are not being opened and there is not a great deal that I can do to respond to this. Does anybody have any suggestions?

Lowell recently sent me a 'letter before claim' giving me 14 days to contact them regarding a debt from 2011 or they would take me to court. This debt relates to a bank account, with NO overdraft facility that ended up going overdrawn. I received some advice and sent them a prove it letter and after a few weeks received the following as a response - imgur (dot) com/ a /E7JuE Along with the above letter they sent a copy of my bank statement from 2011 but there was no notice of default included in the package, which they state they did send but have not. Is there anywhere else I can go with this now? Any help appreciated! EDIT - Cannot post link to image. The letter basically says "Please find enclosed a copy of the statements and default notice as requested from the original creditor. As this account is a current account it is not regulated by the consumer credit act therefore the original creditor is not obliged to provide you with a copy of the agreement"

Howdy, I have a situation that I would really appreciate some input on. Recently Lowell contacted me for a debt I thought i had paid off in 2008. It was as credit card that I took out as a student. I had no previous contact from lowell until earlier this year. I received three letters demanding a sum of money and ignored them. I then received a pre court letter. When i contacted them they said the only way to prevent a cci was to set up a token payment plan in the meantime and they would provide me with proof of the debt. They told me to disregard the court letter. I agreed and set up the plan. The evidence i asked for didn't appear and i cancelled my direct debit before any payments were taken and then called them to ask whats going on and they said they were still waiting to hear back from the original debtor. A couple of weeks went by and then i received a letter from the court saying that a CCJ has been made. I have now received a letter from Lowell saying that they do not have any copies of original agreement etc and the debtor doesn't have them either. What can I do in this situation? I understand that once a ccj has been made there is not much one can do as even though its an unenforceable debt it has already been enforced but can they really demand the money without any evidence I still owe it? Any advice would be greatly appreciated.

Hi all, Some years ago I had Halifax bank account wih big overdraft limit. Due to financial difficulties I had to use it all and couldn`t pay it back. Now I`m back on track and willing to clear that debt. Lowell has been sending me letters to pay it off, even when I moved - they tracked me down via credit referencing agency. I phoned Halifax, but they said I need to contact Lowell as debt has been sold. But I don`t want to pay any money to parasites like Lowell, I`d rather pay back the bank I took money from. 1. Can Lowell run searches on my credit file without my consent? 2. Can bank refuse to accept my money? 3. Can Lowell report to my credit file every month this debt as per screenshots below? If they carry on, 6 years never going to past and it won`t dissapear of my file. Any advice? Thank you. I have got all three credit files - Callcredit, Equifax and Experian. These are screenshots regarding Halifax and Lowell.

Greetings all, It's been a while since I've posted on CAG seeing as I thought I'd sorted myself out. today I got home to find a brown letter from Northampton It's a claim form from Lowell for a Vanquis debt for £450 + court fee + legal costs. Particulars are vague. Simply says I had an account. Didn't pay. Got defaulted. I have nothing on my credit file for Vanquis or Lowell nor do I have any defaults. I don't recall having a Vanquis card and it's been some years since I've even used a credit card. I'd like to dispute this in full. Is the first step to acknowledge? Many thanks in advance for your help.

I had a letter come through the door a few weeks ago from Lucas Credit Services, stating that they were acting on behalf on Lowells. In the envelope was a letter from Lowells saying Lucas were sorting the debt for them, and i had 7 days to reply Before the 7 days was up i had Lucas emailing me "if you don't reply to us, we will continue to correspond to you via email". I had no more letters but 3 emails. Up until now, i've not heard anything about this debt since 2011. It seems as though they are trying to get a rise out of me. Do i correspond to them via email? At the moment, i set it to go into my junk folder, i did debate blocking them. History: Its a Vanquis credit card taken out in 2010 of around £400ish. I tried to pay them multiple ways: went into bank and was refused, rang up and they kept disconnecting me. with that, i didn't bother to pay I then came into financial difficulties, i'd gone beyond the point of no return. It was defaulted in 2011, and no payment was ever made on the account. Its no up to £600 odd, and i know most of that is charges. Whats your guys take on this?

Name of the Claimant: Lowell Portfolio I Ltd Date of issue: 21 November 2016 What is the claim for: 1) The Defendant entered into an agreement with Vodafone under account reference XXXXXXX ('the Agreement') 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on XX/XX/2013 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £XXX.XX remains due and outstanding. And the Claimant claims a) The said sum of £XXX.XX b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.0XX, limited to one year, being £XX.XX c) Costs What is the value of the claim? Circa £400 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile Phone When did you enter into the original agreement before or after 2007? After 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? Not that I recall. Did you receive a Default Notice from the original creditor? No. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Have had various letters from Lowells. Why did you cease payments? Financial difficulties. What was the date of your last payment? 29/03/2011 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. Hello all. I've been kindly recommended this site by a dear friend, as I have this morning received a summons from Lowells for an old Vodafone debt and I was hoping you would be able to help me respond. I've read through some other threads and have found the form that I need to fill in for you to help, so here goes... Thanks in advance guys. If you need me to be more specific with figures and dates, please let me know.

I took out a £300 Loan with Provident a while back and, due to non repayment, My debt has been sold on to Lowell. Lowell contacted Me by phone to inform Me they were a collection agency and my Debt with Provident had been passed to them and stated over the phone that I owed them over £500. I immediately asked how this was considering My original loan was £300 and the agent said that it was 'fees' when I asked what fee's He claimed an agent had called at My Home (Never happened) and this extra debt was call out fee's for the bailiff. I asked the rep. for a full and complete itemized breakdown showing what every penny over and above the original £300 was added for and how the debt had grown. He responded by telling Me "We do not send out information like that I'm afraid, Sir" and I said "Well I am afraid I am not paying it then." He then tried to use the 'Data Protection Act' as His reason why they could not do this and I stopped Him mid sentence to let Him know that as an employee of SKY TV selling products (Boxes, package upgrades, Broadband and Sky Talk etc) I myself am extremely familiar with the Data Protection Act as I have to work within it's guidelines and rules on a daily basis. He put Me on Hold to speak with His Manager and came back to say "Sir, MY Manager tells me You are correct in that it isn't Data Protection that bars this being done, it's simply not company policy to send itemized bills on request." I then said "Well I could ring anyone and claim they owe me 4 Million pounds and tell them when they natural ask how and why, 'I'm sorry, I'm not obligated to tell you that. Now are We paying by Visa or Mastercard?" Put on Hold a second time and came back to say "Sir, We will post the itemized bill showing what the extra charges are for and when then incurred. Have a nice day." One week later I received My 'Itemized' Debt. "Dear Mr _____ Account Balance Outstanding: £300" They tried it on because they simply assume if they tell You 'We are not obliged to send you itemized bill showing how and where extra charges incurred' that I, the debtor, won't know any better. I just wonder how many people have simply complied and paid who may not have known any better.

Hi everyone, I`m new here and need some good advise from you all. I received yesterday a Court Claim form from Lowell solicitors. They claim over £400 for Three mobile debt. I was on contract from August 2010, last my monthly payment i made in Nov or Dec 2010 cos after i lost my job and cannot afford to pay. I need some advise please how to and what to fill in this claim form? I`m not very confident in law. I read lots of posts there before posting but still not understand about CPR 31.14 request, response time, statute barred debt.. . I`m already fully stressed and anxious and at the moment feel like is no way out from this situation, i cannot afford to pay to them as have only part time job and low income. Thanks

Any advice on what to do next is appreciated. Name of the Claimant ? Arrow Global Limited Date of issue – 23rd May 2017 What is the claim for – 1. The Claimant claims payment of the overdue balance due from the Defendant(s) under contract between the Defendant(s) and NewDay Ltd dated on or about Nov 19 2012 and assigned to the Claimant on Oct 18 2016 What is the value of the claim? 3190 (excluding fees of £265) Is the claim for a current (Overdraft) or credit card /loan or catalogue or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After 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. Arrow Global Were you aware the account had been assigned – did you receive a Notice of Assignment? 99% Sure I did Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? My rent payment nearly doubled and I could no longer afford to pay ☹ What was the date of your last payment? Jan 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 Thankyou Blakey

Hello, I hope this the the correct forum to place this, it is my first time posting! I'm trying to build my credit up and settle the newest debts (there's only a few but I've a very low credit score). I have a CCJ from 2013 for a vanquis credit card. For the same debt I have an ongoing default under Lowell on my credit report from 2012. Now I have lost against Lowell and a judgement for claimant has been granted. I'm just wondering what I can do now as I would like to just settle the debt within the 1 month but then what will happen to the default and the original CCJ. I also believe you shouldnt have a default superseeding a CCJ nor 2 x CCJs for the same judgement. If I do not pay within 1 month I'll have 2 x CCJs and a default on my credit report for the same debt. Just wondering if anyone can help with the best course of action. Many thanks,

This is not for me but for my ex partner In 2013 she got a claim form for on old Three debt (sent to my address she she had not lived for 12 plus years) I helped her with the claim form and to cut the story short she went into mediation and agreed a settlement. Which she paid by DD to the account as specified by Lowell/Howard Cohen. So all paid up and completed, no CCJ, no action, no more letters. Now jump forward to 2017, letters start coming through my letter box from Lowell for her, which I pass on. They claim the debt is still owed, they have CCJ and now if she doesn't pay up (again) they will enforce the CCJ they think they have. Any advice I can pass on. There have been a number of letters now and I am thinking that she goes for harassment?

I'm not 100% sure on the date this phone bill was racked up but it was either late 2012 or early to mid 2013. It was my first mobile phone contract, the terms of which were completely misrepresented to me, and I was in a long distance relationship. Ended up racking up like £1072 which orange then passed off to a debt collection agency. That was the first I even heard of it. As I was young at the time my mum said she would set up the minimum payement and I would pay her back. Well fast forward to now, i'm living with the girl I was in a relationship with and started getting letters from what i'm pretty sure is a different DCA about this same bill. Initially I ignored them thinking it had already been paid till I received a pre-legal assessment in the post. Messaged my mum and it turns out she never set up the minimum payment at all . I'm worried that this has caught up with me especially as I thought it was all taken care of and I don't know what to do, or if the debt is statute barred, or if i'm going to just have to pay it off. So yea, any advice on any steps I could take would be greatly appreciated. Thanks.

Name of the Claimant ? Lowell Portfolio Ltd Date of issue – . 13/02/2017 What is the claim for – . 1) The defendant entered into an agreement with T-Mobile (UK) Ltd under account reference XXXXXXXXXX 2) The defendant failed to maintain the required payments and the service was terminated 3) The agreement was later assigned to the claimant on 25/07/2016 and notice given to the defendant 4) Despite repeated requests for payment the sum of £353 remains due and outstanding And the claimant claims a) the said sum of £353 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of the assignment to the date of issue accruing at a daily rate of £0.077 but limited to one year being £16 c) costs What is the value of the claim? £453 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile phone When did you enter into the original agreement before or after 2007? opened 04/2010 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 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? Yes, I think so... Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Not sure What was the date of your last payment? Not sure.. 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 managementicon plan? No & No I have now aos stating defend all, what do I need to do next?

Name of the Claimant - Lowell Portfolio I LTD Date of issue – 08/02/2017 Date to acknowledge - 26/02/2017 Date to defence - by 4pm 10/03/2017 What is the claim for? 1) The Defendant entered into a consumer credit act 1974 regulated agreement with Provident personal Credit limited under account reference ********* ('the agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 29/08/2014 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £1,***.** remains due and outstanding And the Claimant claims a)the said sum of £1,***.** b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of the assignment to the date of issue, accruing at a daily rate of £0.404, but limited to one year, being £147.28 C) Costs What is the value of the claim? £1988.28(for a £900 loan) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Provident Doorstep loan When did you enter into the original agreement before or after 2007? After 2007 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? Issued by Debt Purchaser Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Unable to tell as she didn't keep letters sent to her, but probably. She recalls letters from Lowell last year but it could be from something else. She has also moved once since this was taken out. Did you receive a Default Notice from the original creditor? Unable to tell as she didn't keep letters sent to her, but probably. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unable to tell as she didn't keep letters sent to her, but probably. Why did you cease payments? Agent never turned up. What was the date of your last payment? She thinks one payment was made around September 2013 Was there a dispute with the original creditor that remains unresolved? Agent stopped turning up. This was a second loan with them at the time and the agent had turned up for the first one every fortnight for about 6 months. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No, when no-one turned up she just ignored the problem. So, just defended an older one with these guys for her(literally about a week before this was issued) and now another one. At least she was not in floods of tears this time. I am assuming to go down the same route of Acknowledge service and send out a CPR and CCA?