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  1. Hi, Ive CCA'd Mint for my card agreement and they have seemingly sent a good copy of a signed agreement. They also attached a 3 pages of a photocopied set of Terms & Conditions. Lots of very small print that will not scan & copy very well so have not included it here at the moment. Could someone please have a look at the Credit agreement an tell me if you think that it is enforceable or what action to take next to try and verify it. They sent current T&C's plus a Card re-issue letter with associated T&C's Also current outstanding values owed to the account.
  2. Hi, Making a fairly desperate request for help as now find myself at a loss as the way (best way) to proceed. I have received a claim form for a CCJ out of Northampton County Court by Bryan Carter Solicitors and am now at a complete loss as how to proceed with a defence. The claimant is Lowell Portofolio Date of Issue was 8 July and I acknowledged on the 22 July with intention to defend in full and this was received on 23 July so I believe have until 9 August to submit my defence (33 days after the date of issue)? The Particulars of the claim are: This claim is f
  3. Hello everyone. I am helping my partner defend a recent claim received from Bryan Carter on behalf of Lowell. There were some outstanding debts on my partner’s credit file upon our return from living abroad for the past six years (winter 2008 to winter 2014) but all default dates were shown between March and May 2009 and have since dropped off as they were over six years old. Since receiving the claim and prior to finding this excellent forum the claim was acknowledged I posted an edited template found on another site to Bryan Cater stating the debt is statute barred an
  4. I received a CCJ for £400 from Bryan Carter in January 2008 that I have almost paid in full now. The actual debt was £8,000 and reading through these forums, I am already anticipating the 2nd CCJ for the same debt. I've read a lot about how this is against the county court rules - is there a definitive wording to put when you contact the courts to make sure it gets set aside? It seems like so many people have this issue, it may be good to get a template together for it. Also, if this hypothetical CCJ is set aside after they try to chase me for £7,600 - what is the status of the deb
  5. I need to file my Defence by Sunday 18th May 2014, here's a brief outline to the claim, to my knowledge this alleged debt is statue barred.... The Original alleged debt was with Lloyds TSB for a BANK ACCOUNT, but the debt is made up of all 'default charges applied' to the account, no money was physically borrowed or any Direct Debits etc paid for. The last action on the account was a returned DD 9th November 2007, after that we didn't use the account, but Lloyds TSB kept applying Account Charges, Interest and finally the account was closed/passed to debt recovery Nov 2008 suspending inter
  6. Hello Everyone, I've spent a lot of time reading on forums today, but thought perhaps best to post on my own. I've recieved a letter from Bryan Carter solicitors saying they have been instructed by Frederickson to issue court proceedings on 7th Feb if I don't pay up now (£433.38). From reading online it appears this Bryan bloke isn't just threatening, and he probably will issue proceedings. After looking on noddle, I can see a default for that amount, and its for a vanquis credit card that had a limit of £250. I was making payments on this, but stopped mid 20
  7. Name of Claimant: Lowell Portfolio 1 Ltd re Lowell Finance Ltd Documents and payments send to: Bryan Carter Solicitors. Date of Issue: 23 May 2014 What is claim for: This claim is for 800 the amount due under an agreement between the original creditor and the defendant to provide finance and /or services and/or goods. This debt was assigned to/purchased by Lowell Portfolio on XX 07 2013 and notice served pursuant to the law of property act 1925. Particulars Lloyds A/C No xxxxxxxxxxx And the claimant claims 800. The claimant also claims interest pursua
  8. Hi all, I'm looking for some advice in regard to a very old Barclaycard account which my husband is being chased for. We sent a "prove it" letter to Bryan Carter solicitors, and have now received a letter from Fredrickson stating that if full payment is not received within 48hrs, Fredrickson will recommend that Lowell commence legal proceedings. Am I right in thinking we should now sent a CCA request to Lowell?
  9. Hi, I received a letter today stating that BC Solicitors have started court proceedings on an account that is about 8 years old now. I made a tiny payment in December 2013 when I was being hounded, but my job went part-time and I couldn't afford to pay more. Is there anything I can do to prevent going to court, or do I just have to pay them? I only earn £450 a month, so I have literally no spare money to pay them with! Any help will be greatly appreciated!
  10. Hi , my wife had an old Halifax account that she hasn't used in over 5 years (last used around Feb 2008) and she accrued a debt of over £1400 on the credit card + £500 on overdraft. The original debts were well below these figures but added charges + accrued interest on top, makes these figures as things stand. We then left for Australia as part of my work, and only recently been back. Fast forward now, and the greed machine have been grinding away hard, the latest company to have taken over is Bryan Carter LLP (no less !). This outfit now sent a lett
  11. Hi, I wonder if anyone can help. I've received a letter with regard to an historic credit card debt. Bryan Carter Solicitors LLP have been instructed to issue court proceedings in the next couple of days. I've checked my bank statements and the last time I paid anything on the credit card was well over 6 years ago. I've never acknowledged the debt and they've never issued a CCJ. Is the debt Statute Barred? When does the clock start ticking? Is it the day I missed the first payment? If so, then it's probably 6 and a half years old. Any advice? If it is Statute Barr
  12. I've recently received a letter from Fredricksons chasing a debt and advising me they may take me to court. I have copies of the Prove It and CCA letters but I'm unsure which one I should send. The debt does exist and is from before my divorce 5 years ago but I haven't acknowledged it or entered into any correspondence with them about it. Additionally, last year I received a letter from Bryan Carter solicitors about another debt and I sent a CCA request to them with the £1 postal order, they acknowledged receipt and said they passed it on to the creditor but I've heard no
  13. Hello all, My second enquiry so far is regarding a debt I suspected was statute barred even though it is showing as due to be stat barred in May 2014 on my credit file. The original debt was with barclaycard, after receiving some fast paced threats recently from fredrickson and now bryan carter on behalf of lowell, I called barclaycard to get confirmation. The last payment received on this account was dec 2004 through the original creditor barclaycard and was charged off at the end of May 2008 and then sold to lowell in 2010. What is the next step I shoul
  14. Hi i am hoping someone can help or at least point me in the right direction. Back in 2008-09 i went through a really difficult period, i was laid off work due to sickness and my relationship ended so with various bills an no income i found myself in a mess. I contacted all my debtors to arrange a payment plan but egg credit card weren't interested in letting me pay what i could afford, i managed to pay token amounts but then i couldn't keep up with this, they defaulted the account, then i didn't hear anything until i received a letter from Bryan Carter, th
  15. Hi and thanks ahead to anyone who can take the time to advise me. Firstly im not even sure how to use this but im hoping someone can direct me in the right direction. I recieved a letter from Bryan Carter a few days ago telling me that they have applied to the court to issue me for a outstanding balance with jd williams, but on behalf of Lowell Finacial. Myself and husband struggled a few years ago and did have a few accounts but to be honest this one does not ring a bell and definetly not for £1365 as they are stating we owe. Iv never had a credit limit over 250. After reading many
  16. Hi all, I posted about this a while ago when I got the letter before action for a Shop Direct debt. I didn't do anything about the letter, despite some excellent advice (yes, I'm an idiot but life got in the way) and yesterday I received a letter from Byran Carter dated 15/01/14 stating they'd issued litigation proceedings. Today I got the court documents. I've read a few threads on here and I get the general idea of what I need to do - file an acknowledgement with the court, then I have 28 days from the 15th to file my defence. I have no documentation whatsoever about this d
  17. Hello all Im not new but still a newbie lol, I have had a court claim sent from Bryan carter to which I tried to sort it out myself without posting....big mistake . I sent a CPR18 but by looking though some other posts it seems I have sent the wrong thing. I have had a reply for the CPR 18 from Bryan carter which I have attached a scanned copy to this post. Please can someone help, I don't like owing money and this account was originally for £200 which I had offered to pay shop direct but they refused, didn't do this in writing though(another mistake I expe
  18. Hello, I received the best early Christmas present today. A letter from Bryan Carter informing me that within the next 48 hours I will be receiving papers from 'the County Court' where they will be wanting me to receive a CCJ. This is in respect of an old Marisota/Simply Be debt that originally was around 700 quid. Eventually this became around 1400 with charges JD Williams group kept adding. I offered to pay JD Williams a minimum payment each month over the phone, but they refused and hassled me all the time resulting in me changing my number. The debt was sold to Lowell who upped
  19. Hi Caggers, I could really use some advice please. This is a bit long winded but I don't want to leave anything out. I had a capital One CC back in 2001 with a balance of £250 outstanding. My newborn son was in Hospital for a few months and during this time I was obviously spending all my time in the hospital and not working. I tried to claim on the PPI insurance that I had with them and they told me that I wasn't covered so in a rage I told them to stick their card and sue me if they thought they were going to get another penny out of me. they defaulted
  20. Hi Thank you for the wealth of information I was wondering if I could also get some help here. I have received a Claim form (issued 8th Oct) from Northampton CC Bulk Centre and the claimant is Lowell with their sidekick Bryan Carter with regards to an old mobile phone contract. Have been reading around the forum and the info on the PoC (amounts rounded off) are: This Claim is for 290 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods. This debt was assigned to/purchased by Lowell on 0
  21. Hi , Im new to these forums and really need some guidance on were to go with this matter. In 2010 i took out a mobile phone contract with orange the contract was for a iphone as far as im aware , after a few problems i returned the handset was within the 7 day period, i then tried 2 more handsets and couldnt settle and returned these, as far as i remember the contract would have been a 18 month contract at £35.00. My problem is after returning these handsets i moved 2 months later . had mail redirected for 28 days and in this time dont remember recieving anything inregards to this.
  22. I need advice with regards to Bryan Carter solicitors. Bryan Carter took out a CCJ on 16/09/11 for total amount of £1061.29 and the claimant was with phoenix recoveries (shown on judgement). I receive letter on same date of judgement 16/09/11 saying that phoenix has assigned all rights to arrow global which was effective on 13/05/11 and all future payments to go to fredrickson international limited. I then receive letter 28/09/11 from bryan carter to pay them and now the amount has gone up to £1101.29. At the time I was going through a very bad time so didn't even read the l
  23. Hi I am hoping someone can give me a bit of advice regarding a county court claim that i received on friday. Bryan carter are the solicitors and the claimaint is lowell protfolio ltd and the particulars of the claim are as follows:- The issue date is the 10th of october 2013 This claim is for £2099.56 the amount due under an agreement between the original creditor and the defendant to provide finance and or services and or goods. This debt was assigned to/purchased by lowell portfolio on the 20/12/2012 and notice served under the law of property act 1925. Particulars
  24. Hi all my google search has led me here I have recieved 2 letters today A county court claim form from the Northampton court sent by Bryan Carter solicitors on behalf of Lowell Portfolio Ltd And a letter from Bryan Carter solicitors informing me that they intend to send the said county court claim form! The amount is for £669.12 plus court fee £55 and solicitor fee £70 Now there is an account number there for O2 I am unaware of what this account and alledged debt is for Am I right in thinking that I need to send a SAR letter off to Bryan Carter ASAP? And obviously
  25. My housemate has received a letter from Bryan Carter Solicitors this morning: "We have been instructed by Fredrickson International Limited Limited on behalf of EE Limited to issue court proceedings on 23 September 2013 if payment of this debt is not received by us by that date." The debt is for just over £400. My housemate is a student and therefore living on a very tight budget anyway and was forced to drop out of uni last year owing to financial and related hardships so is retaking the year starting in a couple of weeks. She has been panicked by this letter so I was hoping I
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