Lowells/lowells claimform - Argos credit debt.

[Halfangelhalftart]

Hi

 

I have answered the questions as requested elsewhere. Any advise would be great.

 

Name of the Claimant LOWELL

 

Date of issue – 11 Dec 2015

Date to submit defence = 12 Jan 2016 (33 days in total) -

What is the claim for –

1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Home Retail Group under account Ref xxxxx (‘the Agreement’)

2)The Defendant failed to maintain the required payments and a default notice was served

3) the Agreement was later assigned to the Claiment on 01/07/2014 and notice given to the Defendant

4) Despite repeated requests for payment, the sum of £1,815.88 remains due and outstanding

.

And the Claiment claims

a) the said sum for £1,815.88,

b)interest pursuant to the 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 £0.398, but limited to one year, being £145.27,

c) cost

 

What is the value of the claim? £2146.15

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Argos Store Card

 

When did you enter into the original agreement before or after 2007? 2005

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 ? I think so

Why did you cease payments?

I had requested reduced payments to Argos whilst on maternity leave which they agreed to

but then they referred it to a collection agency so I called the account into disupute

 

What was the date of your last payment? 2011 I think

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

I have sent CCR and CPUTR back in 2012 and never received any documentation

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt management plan? Yes with Argos, see above.

 

Thank you

[dx100uk]

old threads merged for history.

 

go ack [AOS] the claim on mcol website

defend all

leave juris unticked.

 

get a CCA request

 

get a CPR 31:14 from the legal section of the library running to the sols [who are?]

 

read the FULL CCA/CPR threads fully first

don't sign anything.

[Halfangelhalftart]

What normally happens next?

[AndyOrch]

What normally happens next?

 

You submit your defence by the 12th Jan.