Lowell/carter claim from- old shop direct 'debt'

[stuggling]

I have recieved a court claim from Lowell, on behalf of shop direct,

 

amount outstanding is 240.59,

 

the thing is,

 

I've never recieved a LETTER BEFOR ACTION,

 

what can I do to get more time to prove this.

 

Lowell are a. Nightmere,

 

I have my loads loans with them and a SAR was sent to them to sort it but nothing

[dx100uk]

please fill this out and past 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**(3-Viewing)-nbsp

[stuggling]

Name of the Claimant : Lowell Portfolio I LTD

Date of issue : 25 March 2014

What is the claim for:

 

 

this claim is for 240.59, 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 portfolio I LTD

 

On 24/05/2010 and noticed served pursuant to the law of property act 1925

 

Particulars

RE - shop direct

A/c no: 00000000

 

And the claimant claims 240.59

 

The claimant also claims statuary interest pursuant to s.69 of the county court 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 1000 amounting to 19.24

What is the value of the claim: 334.83

Shop direct catalogue

When did you enter into the original agreement before or after 2007? Stated in May 2009

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 purchaser

Were you aware the account had been assigned – did you receive a Notice of Assignment? Can't remember

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 ? Not sure

Why did you cease payments? 04/2010

What was the date of your last payment? 04/2010

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 managementicon plan? Yes we're made aware lost job and on benefits at time till 2011

[dx100uk]

ok

ack the claim online at MCOL

defend all

leave juris unticked

 

get a CCA request off to lowells

blank £1PO don't sign anything

 

send the appropriate CPR 31:14 from the legal section of the top green library lab to the sols.

who's the sols, cater or BW?

 

 

dx

[stuggling]

Brill will do all now, the solicitors carter.

[dx100uk]

£240? hardly worth it.

 

 

is this on your credit file?

 

 

whats the amount there and the defaulted date please?

 

 

dx

[Old Cogger]

they usually not allow time for postage.

[stuggling]

Defaulte balance at £128 and on file defaulted on 17/05/2010, yes it on credit file

[dx100uk]

urmm,, double the cra file debt..how unusual for carter to bump things up.

 

 

dx

[stuggling]

Double checked, even tripled checked file, defaulted at 128 but interest made it 240, im sending CCA tomorrow,

[stuggling]

Would it be section for credit card or HP please

[dx100uk]

on what sorry

[stuggling]

The cca letter, sorry

[AndyOrch]

Section 78 request

[stuggling]

Thank you

[stuggling]

All set to go, but noticed no reference number for Lowell on it, just Bryan carters reference number and claim number

[dx100uk]

claim number

[SabreSheep]

any insurances or fees on the life of this account?

[stuggling]

Ok thank you, also can't remember for insurance as took out in April 09

[AndyOrch]

All set to go, but noticed no reference number for Lowell on it, just Bryan carters reference number and claim number

 

Request the information using BCs reference number...it may be wise to try and find the original account number for future purposes.

 

Andy

[stuggling]

I've just received a letter of Carter,

saying they are have now issued litigation proceedings in the county court

and you will receive the claim Form in the next 48 hours.

This is dated 27th March the 2 days after they did the claim, is this normal?

[Old Cogger]

Yes this is their system it seems,

[stuggling]

Just Found a letter of fredrickson who also wrote to us saying the authorised to contact me by lowell, this is dated 09/02/15.

 

It says if you are unable to come to an agreement with us then, on behalf of our client, we intend to instruct Bryan Carter to take legal action against you to recover the debt.

 

Then I log into Bryan Carter and this is the statement,

Original Debt £240.59

11 Dec 2013 Returned to Client £240.59

06 Feb 2015 Returned to Client -£240.59

24 Mar 2015 Claim Fee £25.00

24 Mar 2015 Claim Cost £50.00

24 Mar 2015 Claim Interest £19.24

 

 

First letter I got of Bryan Carter was today's one.

[stuggling]

I've done the thing online to acknowledge claim and defend,

 

but my partner emailed carter,

asking to pay the 240 on 5th may,

 

i had no idea they was going to do this, and

 

today got an email saying that if dont want CCJ i must pay the 334.83.

 

can i still defend or is it pointless now

 

as, admitted to it in the email by offering to pay 240 on may 5th

[dx100uk]

doesn't matter

 

 

they still need the enforceable CCA