Please help me? I have just received an N1SDT Claim Form Its for a credit card that I defaulted on in 2009 In Feb 2010 I wrote to company and explained I was in financial difficulty and offered a £1 per month I then applied for CCA in March 2010, an SAR in March and a letter titled "Request pursuant to Civil Procedure Rules" in April 2010 Then silence Ive since seen the debt has been passed through form various debt companies who have all tried to get debt repaid Yesterday I opened post to find these court papers Following the last letter I sent in 2010 requesting the information under the Civil Procedure rules I received nothing from them How or what do I do next I don't have an income except tax credits, yes I do have a mortgage - which I am not behind in paying, and I don't have £11K to be able to write a cheque, I have zero I was a single parent, I now have a partner and we co-habit. He is a retired service man on a pension. Can they chase him for my debt - of which he knows nothing about it? I also have two children - 26 and 18, living at home Sorry for so many questions

Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue - 20 June 2016 What is the claim for – the reason they have issued the claim? PoC as follows:- 1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds Banking group PLC under account reference xxxxxxxx ('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 17/06/2015 and notice given to the Defendant. 4)Despite repeated requests for payment, the sum of £9222.34 remains due and outstanding. And the Claimant claims a) The said sum of £9222.34 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 £2.021, but limited to one year, being 737.79 c)Costs What is the value of the claim? £9960 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Unsecured Loan When did you enter into the original agreement before or after 2007? 2008 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? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? No spare money What was the date of your last payment? Jan 2014 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? I had in the past, used Payplan and ran out of money so not anymore. I do not recognise the Account reference number (the agreement) on any of the paperwork I have it doesn't correspond to any of it and the loan was with Bank of Scotland Any help/advice appreciated, am aware of timings so have already been to MCOL and acknowledged the claim and ticked defend. Not sure if I should CCA Lowell Portfolio and CPR 31.14 Lowell Solicitors

I received the N1SDT from Cabot/Mortimer Clarke as I have been working away so only saw it yesterday morning, I have already Acknowledged it via MCOL I chose the option Intend to defend all. the Particulars of Claim as follows:- By an agreement between LTSB & defendant on or around 15/10/1998 ('the Agreement') LTSB agreed to issue the Defendant with a credit card. The Defendant failed to make the minimum payments due & the Agreement was terminated. The Agreement was assigned to the Claimant. THE CLAIMANT THEREFORE CLAIMS 3830.31 At the total cost Amount Claimed 3830.31 Court Fee 185.00 Legal Rep Fee 80.00 Total 4095.31 My question at present is as there are no account numbers on the form What should I put on a CCA in the Account number Reference to Cabot. Also sending CPR31:14 to Mortimer Clarke To clarify I do accept I had a card through Ltsb and also have been a bit of an ostrich in the past, due to various reasons I also have not been good with repayments since Jan 2015