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Lowell/BW - Halifax Card - previous SD batted away - now Claimform


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HI

Wonder if anyone can help been served a stat demand through door today ,when not it is this legal.

 

Also asked my neighbour if I lived here!

 

Now its 14 days to demand

 

 

an old CC I had not sure if its stat barred

 

Can anyone give me advice on what I need to do please,

 

 

thank you in advance

harrods/GE money sold to Link:CCA

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Hi you need to give some more details, history of the debt, amount outstanding, which company issued the SD?

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Bw Legal - posted stat demand today through door , letter dated 25th sept

 

Our Client Lowell portfolio 1 Ltd

 

Bal 8,469.16

 

Original creditor Hbos plc

 

 

 

Account number xxxxxxxxxxx

Says hbos sold debt to

 

says last paid 2009 but Cannot remember and

 

 

this paperwork has stat demand under section 268[1][a] pay or they will file for bankruptcy

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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go up the top

click 'financial legal issues'

scoll down a bit

and read a few of the Lowell/BWlegal named threads

 

LOTS of them here

 

lowells issue them like confetti

 

what is the debt

 

loan/credit card/overdraft?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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You will have 18 days from the date of "service" in which to make application to the court to have it set asidelink3.gif. Do not worry about the date of the actual letter.

the process server will note the date he posted it.

 

have you got any old paperwork?

 

might be an idea to get a CCA request off to lowells./ BWlegal

 

as HBOS sold the debt

 

there might be a very good reason.

like PENALTY charges or PPI?

 

send HBOS and sar.

 

why did you stop payments

 

tell us the debt story

 

you have lots of time so no rush.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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thank you will get on with the cca and sar

 

I was not working and

 

I have & do still suffer with depression & panic attacks and still going to therapy.

 

I could not afford payment so stopped

 

Not sure if I have any paperwork

 

but I will look and send a SAR of in the meantime.

 

I would not mind but my first name on this paperwork is not correct either

 

nor does it give breakdown of charges

 

thank you

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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no that's quite usual

 

they send out 1000's of these every month

 

hoping most will not be contented and thus they get a default judgement

 

t present you are in the info gathering stage

 

might also be an idea to look at your cra file [see below]

 

that can be a good source of details too.

 

when did you take the card out?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok thank you for your help I will do that also. Cannot remember when I actually took it out

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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CRA file should tell you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

I would like a bit of guidance on a credit card debit and court claim and assigned by claimant.

 

 

I have left this with mental health problems and have to deal with because I do not want debt assiging to my property

 

 

thank you in advance

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i suffer mental health problems so on medication but this is adding to it debt was 8,000 and the bw legal have it now standing at 10,500

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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ok lets get you moving

 

 

can you please fill this in

 

 

and paste the results here

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

 

 

 

can I take it they failed to secure the SD before as the old thread merged here was in the successes forum?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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lowell portfolio 1 ltd

 

Date of issue – 05/01/2015

Date to file +Friday 6th Feb 4pm

 

What is the claim for – the reason they have issued the claim?

 

claim the sum of £0000000 being monies due claimant under credit/store card agreement

under reg cca 1974 between defendant and HBOS plc under account xxxxx

 

assigned claimant on 30/06/13 notice of which was given to defendant.

 

Defandant failed to maintian payment/agreement

 

The claim inc stat interest under section 69 CCA 1984 at rate of 8.00% per annum

and daily rate 1.86 from start of assignment to 02/01/15 amont of XXXXXXXXXXX

 

What is the value of the claim £10.005.88

Is the claim for a current or credit/loan account or mobile phone account CREDIT card

When did you enter into the original agreement before or after 2007? before 07

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. sold debt to lowell

Were you aware the account had been assigned

– did you receive a Notice of Assignment? Do not recall notice but letter to say the sent one

Did you receive a Default Notice from the original creditor? Again do not recall getting on

Have you been receiving statutory notices headed “Notice of Default sums” –not of either

Why did you cease payments? 06/04/2009

What was the date of your last payment? 06/04/09

Was there a dispute with the original creditor that remains unresolved no but do want to dispute rates

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementlink3.gif plan? no

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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what is a SD ?

Have pile of paperwork of them agrement/statement of agreement /notice of assignment but no paperwork with my signature on

just agreeement pages and really need to fight because i have my own house,

and a friend recently had it secured to their property of this company so worried & causing me more anxiety

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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get the important things done first

 

 

you need to goto the MCOL website

create a username and password

note the long number.

 

 

then log-in with the above

 

 

select AOS and with the required details from the claimform

 

 

select AOS and ack the claim

 

 

defend all, leave juris unticked

 

 

............

 

 

comeback here when its done.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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can you tell me what ACk stand for please registered not convinced in right place two yellow boxes one say begin new claim the other is respond to claim against you , sorry so green

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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AOS is acknowledgement of service

 

 

once you have registered and logged in

 

 

enter the details from the Claimform required

you will see it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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do i selecet begin new claim or respond to claim agianst not convinced am in the right place at all are the boxes yellow

harrods/GE money sold to Link:CCA

Studio/Intrium Jus::CCA

Argos/Moorcroft:CCA

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respond

then enter required claimform details

 

 

click aos

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

its on the claimform.

 

 

https://www.moneyclaim.gov.uk/web/mcol/welcome

 

 

middle yellow box

 

 

create a username and password

 

 

note the LONG number that pops up.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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