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Lowell/lowell sols claimform - old LLOyds [BOS] loan 'debt'


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Name of the Claimant ? Lowell Portfolio 1 Ltd

 

Date of issue - 20 June 2016

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

 

PoC as follows:-

1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds Banking group PLC under account reference xxxxxxxx ('the Agreement').

2)The Defendant failed to maintain the required payments and a default notice was served and not complied with.

3)The Agreement was later assigned to the Claimant on 17/06/2015 and notice given to the Defendant.

4)Despite repeated requests for payment, the sum of £9222.34 remains due and outstanding.

And the Claimant claims

a) The said sum of £9222.34

b)Interest pursuant to 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 £2.021, but limited to one year, being 737.79

c)Costs

 

What is the value of the claim? £9960

Is the claim for a current account (Overdraft)

or credit/loan account or mobile phone account? Unsecured Loan

When did you enter into the original agreement before or after 2007? 2008

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 ? No

Why did you cease payments? No spare money

What was the date of your last payment? Jan 2014

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 management plan?

I had in the past, used Payplan and ran out of money so not anymore.

 

I do not recognise the Account reference number (the agreement) on any of the paperwork I have

it doesn't correspond to any of it and the loan was with Bank of Scotland

 

Any help/advice appreciated, am aware of timings so have already been to MCOL

and acknowledged the claim and ticked defend.

 

Not sure if I should CCA Lowell Portfolio and CPR 31.14 Lowell Solicitors

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Yes, cca lowell portfolio and cpr lowell sols

 

Register on mcol

Acknowledge the claim

Tick defend all

Leave jurisdiction unticked

Exit mcol

 

Your cca will be s77 on a loan

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Just make sure you send the correct cpr version for loans and also edit the cca letter for s77 only

 

Also you must note the date for filing your defence, 33 days from the date on the claim form, that date being day 1 in the count, so by my reckoning that's 22nd july by 4pm

Edited by martin2006

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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more history would be useful

 

in 2008 cant see in being LLoyds as the links to bank of Scotland were dissolved by then.

so something is amiss

 

tell us what you know of the back ground.

 

do you remember this

sign the agreement

was it online, in branch etc etc.

 

you indicate you were paying this till 2014

so fluff that out a bit please

as you probably know the back ground.

 

as this is 2008 it could get sticky to defend

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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If you dont have the statements i would also SAR the OC, there must be loads of default charges in there to reclaim or even counterclaim against this

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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DX, The loan/agreement was via the internet/online

documents were sent via courier signed and returned with same courier to BoS all letter headings etc. are with BoS,

 

the agreement number on Lowells claim doesn't correspond to anything I have

and the date they have is different only by a small bit but still differs.

 

I had been making full payments on the original loan up to beginning of 2010,

then with Payplan monthly at a reduced rate until Jan 2014 due to financial difficulties

due to OH becoming ill and child with SEN sorting out Local Education Dept (still ongoing),

 

then I became ill with a debilitating condition (cluster headaches) being self employed it has seriously crippled my work and earnings.

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CCA request WILL be interesting IF they ever comply

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

on what?

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

Miracles and being able to earn enough to clear my self from debt! On a more sensible note, which address would I send a SAR to BoS , I have an address for BoS Retail Banking, Tower House, Charterhall Drive, Chester CH88 3AN,

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check the bos forum stickies.

 

 

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... 

Link to post
Share on other sites
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