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Lowell/Carter claimform - old Cat 'debt'


wilmaflint
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Hello, I am hoping someone can help me.

 

I have received a court claim form from Lowell today regarding an alleged debt to a catalogue company of £1300 (amount claimed is £1500).

 

There has been no payment made on this account since 2007 and the default date was April 2010.

 

I believe (but need to locate the paperwork) that I requested a copy of the CCA several years ago and received an unsigned copy of some terms and conditions.

 

Which route should I take with this? Surely this debt should be statute barred?

 

I am very clueless as I have never had any court paperwork before.

 

Thanks in advance for any advice

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Hello and welcome to CAG.

 

Please have a read of this stikky and tell us the answers to the questions in it. This will help the guys to advise you; they should be along later.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**%281-Viewing%29-nbsp

 

If you're in Scotland, you'll need a different stikky.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Name of the Claimant ? Lowell Portfolio

 

Date of issue – 11th Dec 2014

To acknowledge by 30th Dec 2014. 29th by me - dx

 

Submit defence by 12th Jan 2015. - correct - dx

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

Please type out their particulars of claim (verbatim) less any identifiable data and round the amounts up/down.

 

"This claim is for £1300,

the amount due under an agreement between the original creditor

and the defendant to provide finance and/or services and/or goods.

This debt was assigned to/purchased by Lowell on 1/5/14 and

notice serviced pursuant to the law of property act 1925.

The claimant also claims statutory interest pursuant to S.69 of the county act 1984

at a rate of 8% per annum from the date of assignment of the agreement to date

but limited to a maximum of one year and a maximum of 1000 amounting to 60.00."

 

What is the value of the claim? £1500 after court/solicitor fees

Is the claim for a current or credit/loan account or mobile phone account? It's for a catalogue credit account.

 

When did you enter into the original agreement before or after 2007? Before - 2004

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. Debt collector - Lowell

Were you aware the account had been assigned – did you receive a Notice of Assignment?

I know they were now sending letters about the amount but not sure if I received an official notice.

 

Did you receive a Default Notice from the original creditor?

No - I knew it was defaulted when I checked credit report.

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No idea

Why did you cease payments? Could not afford debts, worked part time and lost job, on benefits, single parent etc.

What was the date of your last payment?

According to Equifax, May 09. But my normal payments stopped in Jan 2007.

Credit report shows that there was one payment made in 2009. I believe this was a small payment made via a DMP with CCCS

Was there a dispute with the original creditor that remains unresolved?

I requested a CCA and did not receive a signed copy HOWEVER I did not follow this up.

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan?

Not with them directly but I did enter into a DMP with CCCS for a short time

and made one payment so I think they might have had a letter from them.

Edited by wilmaflint
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Hi, me again. Just found the response letter in relation to my CCA request back in 2010. It says:

 

"We refer to a recent request for a copy of your agreement.

 

Unfortunately we are unable to locate a copy of an executed agreement, but for your information we enclose a copy of the current agreement which applied to this type of account. This version includes all contractual variations which have taken place.

 

According to our records, the account was opened on xx/04/2006 you agreed to make payments every 28 days.

 

The outstanding balance is £1300 our records show that £0.00 has been paid within the last 12 months."

 

I was sure the account was opened in April 2004 and my 2010 copy of a credit report backs this up.

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who's the sols please cater or BW?

 

 

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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usual game them...

 

 

ack the claim defend all

 

 

CPR & CCA request to LOWELL

as carter will buff you off.

 

 

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 thanks, I have about 50 tabs open at the min trying to get my head around all of this.

 

I don't yet know what a CPR is but do I still need to send a CCA request to Lowell given I have admittance from Shop Direct that they don't have an executed agreement? If I do still send, do I acknowledge the first request?

 

Also are these requests and responses likely to take me over the deadline and if so how would I go about getting an extension for the defence?

 

Do I need to send anything to Carter at this point?

 

Thanks so much

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ignore carter follow post 8

 

 

CPR 31:14 is in the legal section of the library tab top left.

CCA request to LOWELLS is a MUST

 

 

they NEED to have the signed agreement to be able to proceed with the claim.

 

 

stuff asking for any extension

they should not be issuing a claim without the docs

 

 

hoping for an uncontested default judgement.

 

 

have you ack'd the claim yet

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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