Name of the Claimant ? Lowells
Date of issue –28/09/16
What is the claim for –.
1.the defendant entered an agreement consumer credit act 1974 with shop direct
the defendant failed to maintain the required payments and a default notice was served and not complied with
the agreement was later assigned to claimant on 11/12/15 and notice given to the defendant
2.despite repeated requests for pyment the sum of remain due and out standing
the claimant claims 979
interest to s69 county courts act 1984 at rate of 8% per annum from date of assignment to date of issues accruing daily rate of 0.215 but limited to 1 year being 62.48
What is the value of the claim? 1192
Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? shop direct
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.
Were you aware the account had been assigned – did you receive a Notice of Assignment? not sure
Did you receive a Default Notice from the original creditor? not sure as everything is online statements nothing comes through on paper
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? ?
Why did you cease payments? was on a buy now pay a year later
What was the date of your last payment? September
Was there a dispute with the original creditor that remains unresolved? ?
Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? never got anything paper from them
any help appreciated going to look at further thread to get advise on what to send