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About Me


Found 5 results

  1. Hi all, Very new to this forum but have read dozens of the threads and hope I have followed the correct protocol. I have sent a CCA Request to the claimant and BW Legal, no response yet I have sent a CPR31.14 request to the solicitor named on the claim no response yet I have done the AOS via the online portal stating I will be defending all of the claim. ************************************** Name of the Claimant ? Lowell Portfolio 1 LTD Date of issue – 15th Jan 2015 What is the claim for – the reason they have issued the claim? The claimant’s claim is for the
  2. Hey all, Got an urgent warning for JD Williams and Jacamo customers. it seems the company in a crafty attempt to get customers to agree to set up a Direct Debit and give them total control of when and where and how much they take out of your account have decided that as of the 7th of February 2014 customers who pay by debit or credit card will have to pay 37.68% interest where as customers who pay by direct debit will be able to continue to enjoy interest rates at 34.1%. This change means that if you want to be in control of where when and how much you want to pay
  3. 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
  4. Hi, I recently sent a CCA request to JD Williams regarding a default on my credit file. They replied, informing me they do not have a signed copy of the agreement nor of the default notice. I understand where i stand in relation to the debt, namely, that it is unenforceable in the courts even if it does still exist. I am wondering though where that leaves me with the CRA's. The fact that JD Williams do not have a copy of the agreement renders the debt unenforceable with the courts but the CRA's do not enforce anything as such so they would not have to remove anything owing to that. H
  5. My partner has received a few debt collection letters for an alleged debt with jd williams. The amount is quite substantial. I have followed advice previously given on this site and requested a signed copy of the credit agreement using the template letters, they have responded by admitting there is no signed credit agreement. I followed up by sending them an 'account in serious dispute' letter I found on here and they have now responded by saying that, although they cannot take the matter to court they can continue to chase the debt and it does exist. We have had financial probl
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