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    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
    • The CMA has today published further detail on its views on the law in relation to cancellations and refunds during the pandemic. View the full article
    • Includes eligibility, appeals, tax credits and Universal Credit View the full article
    • The questionnaires below provide important information which will allow us to help you. In order to use them, you will have to copy them into your own post and then give us the answers – preferably in red below each question. You can start by overwriting the prompt: "Give answer here" below each question – and your responses should automatically appear in red   Thank you +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++   You have received a claim form.   firstly - read all the posts in this thread FIRST...   then copy this first msg to your thread - and put your answer after each question   In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us]   Name of the Claimant ? LOWELL PORTFOLIO I LTD   Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 25 AUG 2020   Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -   ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total   Particulars of Claim   What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. 1) The defendant entered into an agreement with Vodafone under account reference xxxxxxxxx ("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 31/07/2015 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £595.63 remains due and outstanding. And the Claimant claims a) The said sum of £595.63 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 £0.131, but limited to one year, being £47.65 c) Costs   What is the total value of the claim? £773.28   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? I received a "Notice of Claim Issue" letter after the "Claim Form".    Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No.   Did you inform the claimant of your change of address? Give answer here Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes, mobile phone account.   When did you enter into the original agreement before or after April 2007 ? After April 2007.   Do you recall how you entered into the agreement...On line /In branch/By post ? Online or phone.   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? I don't think so, I don't have a CCJ, but I will check.   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. Account assigned to Debt purchaser.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes, but I don't remember the notice of assignment, I will have to search through all my scans.   Did you receive a Default Notice from the original creditor? I think so.   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? I think so, I scanned all the letters, I think different companies have sent me letters, I will check.   Why did you cease payments? Never used the contract, plus financial trouble.   What was the date of your last payment? No monthly payment made just a upfront fee I think.   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.     What you need to do now.   Answer the questions above   If you have not already done so – send a CCA request to the claimant for a copy of your agreement
    • Public backs debt enforcement to support vital public services - survey | CIVEA View the full article
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    • I’m in desperate need of help
       
      I bought some clothes online in may through Evans and paid through PayPal
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Does anyone know who these people are? They are searching my credit file every few weeks. All my creditors have my address so there is no need for anyone to try to "find" me.

If you find my post helpful please click on the scales at the top. Thank you

FAQ SECTION HERE

 

Halifax Bank Claim filed and settled

Halifax Credit Card settled

Argos Store Card settled

 

CCA requests sent to

Halifax Credit Card

LLoyds TSB Credit Card

Capital One

Moorcroft (Argos)

NDR

18/06/09

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Does anyone know who these people are? They are searching my credit file every few weeks. All my creditors have my address so there is no need for anyone to try to "find" me.

 

1st Locate UK Limited. billing, revenue management and payment processing solutions from 1st Locate

 

Town Centre House, Merrion Centre, Leeds,

LS2 8LY.

 

0113 297 7500

 

Taken from their website:

 

Firstlocate provide ethical, compliant and considerate solutions to enable the effective collection of outstanding balances from current and former customers. These range from customers who are in temporary difficulties through to former customers either unaware of their outstanding balance or attempting to avoid repayment of thier final account debts. Whichever part of the collections process you need assistance with, you will find that Firstlocate provide a tailored solution to your specific requriements. Firstlocate have the in-house ability to trace customers who have moved , arrears resolution through to financial difficulty teams.and defended or problem default accounts.This is one of the reasons why many of the UK's leading Utility organisations choose Firstlocate for assistance in this area.

 

So since their tracing service is in house, they won't be able to weedle their way out of it by blaming a third party when they c@ck it up

 

Complain in writing to them stating that you have no relationship with this company and have not provided specific permission for them to search your file, I would also complain to the CRA

Hope this helps

 

 

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Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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Sometimes these 'types' of company search your file to see if you have paid off any creditors, taken any new loans etc. so that they can begin to harrass you for more money, strictly against guidelines I believe, so complain as suggested by SH above.

Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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I've recently made a complaint to the ico because I discovered a lowlife had searched my file on the back of a financial association which had been registered by an infamous Spanish bank. The problem is I do not have an association (this was removed immediately by the CRAs when I complained). At first the bank said they had a right because I had an a/c with them, but when I pointed out it was a savings a/c not a credit a/c & it was in my sole name they then decided to deny they had made the entry in the first place. I sent them a photocopy of the credit report clearly showing the entry & the fact they had verified the connection, so they sent me a wonderful letter stating that they had looked into my complaint and their original decision still stands.

 

After the ico have finished with them I'm going to eat them alive in court, especially when I produce a letter from them admitting that they can find no record of me having an association or a joint a/c. ;)

Anthrax alert at debt collectors caused by box of doughnuts

 

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