Lowell/? claimform - old JDW CAT 'debt'

[mashmallow]

I have posted a similar thread before for Brian Carter

is he the same as Lowell

if so just wanted to clairify the first course of action is to go on MCOL site and defend all,

 

secondly request CCA,

the original date of account was 8/8/07

and I did pay something but am more than sure I have not paid anything to them in the last 6 years.

 

Please can someone just let me know if this is correct course of action.

 

Greatly appreciated

 

Mashmallow

[unclebulgaria67]

Can you look at this thread and copy over the questions in post #1, so you can provide more information. We don't assume you know what you are doing or what this debt might be.

 

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

[mashmallow]

Lowell Portfolio

 

Date of issue – 7th June 2016

 

What is the claim for –

1.The claimant claim is for the sum of £774.31 being monies due from the defendant

to the claimant under a home shopping agreement regulated by the CCA 1974

between the defendant and JD Williams under account ref etc.,

and assigned to the claimant on 20/12/12 notice of which was given to the defendant.

2.The defendant failed to maintain the contratural payment under the terms of the agreement

and a default notice has been served and not complied with.

3.The claim also includes statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum a daily ra of £0.17 from the date of assignment of the agreement to 20/12/13 being the amount of £62.22ate of £0.17

 

What is the value of the claim? 966.53

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? cat debt

 

 

When did you enter into the original agreement before or after 2007? 8/8/07

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. lowells

Were you aware the account had been assigned – did you receive a Notice of Assignment? Not aware

 

Did you receive a Default Notice from the original creditor? Maybe about 6 years ago cannot remember

 

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

 

Why did you cease payments? 2007-8

 

What was the date of your last payment? Not sure

 

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

[dx100uk]

pop up on mcol

ack [aos] the claim

defend all

leave juris unticked

exit mcol

 

 

get a CCA request running to lowells

and

a CPR 31:14 running to the sols

 

 

dx

[dx100uk]

can we just check

is it def carter who's the sols?

I think they have closed now

and its lowells sols now?

[AndyOrch]

Solicitors will be Lowells in house. dx100

 

Mash I thought you would be an old hand at this now.....and advising others how to defend.?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?429174-Carter-claimform-old-Ambrose-Wilson-JDW-Cat-debt-***Claim-Dismissed***/page8

 

Regards

 

Andy

[mashmallow]

Andy,

 

I did refer back to the other one but just needed to be sure not that clued up to advice others as yes. Thanks

 

Will do as before, I should have kept my old paperwork because this is similar.

 

Thanks again

[mashmallow]

Andy,

 

No response whatsoever from them yet.

 

Mashmallow

[AndyOrch]

You have submitted a defence ?

[mashmallow]

I defended all on the MCOL and requested CCA and CPR that's all. No paperwork has been sent from anyone.

 

 

Mashmallow

[AndyOrch]

Oh mash why oh why ?

 

 

Date of issue – 7th June 2016

 

 

33 days (19 to acknowledge service and 14 to submit your defence) which was the 8th July

 

Don't know what to say

[dx100uk]

:frusty::frusty:

[shamrocker]

Is this game over?

[AndyOrch]

Is this game over?

 

31 days late if one wasn't submitted..this is what happens when posters only post occasionally instead of regularly checking in.

 

Anyway looks like mash has gone to bed so we will be resuming here tomorrow...no doubt (another day late)

[dx100uk]

I would think a quick check of either mcol or their cra file

will find a CCJ registered?

 

 

pers though I would have thought that a month on..

.the fleecing would be shouting with waving arms by now they wanted the money?

[AndyOrch]

I would think a quick check of either mcol or their cra file

will find a CCJ registered?

 

 

pers though I would have thought that a month on..

.the fleecing would be shouting with waving arms by now they wanted the money?

 

Could strike lucky if LOwells have forgot and not requested judgment.

[dx100uk]

come on marshy...pop up on mcol etc I see you're online here

go find out now..

 

 

dx

[shamrocker]

Their changing of sols might have allowed this to go under the radar. Surely Mash would have had notification of default judgement by now if it had been awarded...unless it was very recent?

[AndyOrch]

Their changing of sols might have allowed this to go under the radar. Surely Mash would have had notification of default judgement by now if it had been awarded...unless it was very recent?

 

Cant get a default judgment sham...an AoS has been submitted..they physically have to submit the N225

[shamrocker]

Cant get a default judgment sham...an AoS has been submitted..they physically have to submit the N225

 

Ah....ok. Default is only if we don't acknowledge then....like my wife got with a Lowell claim.

[AndyOrch]

Yes neither acknowledged or submitted a defence.

[shamrocker]

[mashmallow]

Sorry Guys you have all tried to help, I did not get back here till 11.00pm last night after doing my care rounds totally stressed. I was waiting for papers to arrive to defend my case did not receive anything so thought maybe they have dropped it, it is possible?? I defended the claim on MCOL since then not a word has passed.

 

 

Mashmallow

[mashmallow]

Just went into my MCOL account nothing on there about any income.

 

 

Mashmallow

[shamrocker]

Just went into my MCOL account nothing on there about any income.

 

 

Mashmallow

 

Does MCOL still give you the option to submit a defence?