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Lowell Claimform - Old Lloyds Credit Card Debt


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so before he got the claimform pack he did get a letter titled letter of claim?

it only is the addition of one line if he didn't get a PAP letter of claim.

it would be bad for them if they didn't send it.

 

doesn't harm him if they did.

 

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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so before he got the claimformlink3.gif pack he did get a letter titled letter of claimlink3.gif? - YES

it only is the addition of one line if he didn't get a PAP letter of claim. - As it stands NO - I have no PAP reply form.

it would be bad for them if they didn't send it. - GOOD but theyre going to say they did anyway?

doesn't harm him if they did. - OK

 

Thanks DX

Dont' stand for it - Hit Back!!

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so defence is ok to go

doesn't need anything else

glad you are sorted.

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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Just submit the defence ...not the particulars in red.

We could do with some help from you.

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thread tidied

 

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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DONE!

Should I call the court offices and make sure its there?

 

Thank you very much DX and Andy :)

 

No...you will get an acknowledgement from the court

We could do with some help from you.

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  • 4 weeks later...

Hi All,

 

Family crisis took me away for 2-weeks and couldnt do anything on this.

 

In the meantime they received a letter from lowell solicitor dated the 23rd Jan saying:

 

Dear .......

We refer to the matter shown on the side of this page.

 

Please find enclosed a copy of the Directions Questionaire which we have now lodged with the Court.

 

You will shortly receive a copy of the same directly form the Court for completion and return.

 

The Court will use the information contianed in both our copy and yours to make decisions about how the case should proceed .

 

If you have any questions or wish to discuss this furthere please contact etc...

 

Can I ask what do I do now?

 

There is another form with their name.

Asking for Small Claims Mediation Service,

agreeing the track is correct,

no expert evidence,

saying they will be available any day within the next 6-months ??

Dont' stand for it - Hit Back!!

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await your N180 from the court,

 

have the fleecers replied to CCA/CPR 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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Share on other sites

There is a Notice of Proposed Allocation to the Small Claims Track from the court dated 29 jan and we must complete the Small Claims Directions Questionaire (Form N180) and file it with the court office by 15 february.

 

A1) Do you agree to this case being referred to the Small Claims Mediation Service?

B) Contact details

C1) Do you agree that the Small Claim track is the appropriate track for this case?

D1) Hearing venue at which county court and why?

D2) Expert evidence ?

D3) How many witnesses?

D4) Any days within the next six month you, an expert or a witness will not be able to attend court for a hearing?

Interpreter ?

Signature

 

CCA/CPR. No thay havent as far as I know. I'm going over there tomorrow to find out if there is anything else?

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std n180 HB that comes with any claim

 

yes to mediation

yes to Small Claims Track

State your local County Court

1 witness you

rest is obv

 

3 copies

1 to the court

1 to the sols minus sig/email/phone

1 for their file

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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As a point of (possible?) interest.

 

Lowell form.

 

D2) How many witnesses, including yourself, will give evidence on your behalf at the hearing?

They have put a 0 in the box?

Dont' stand for it - Hit Back!!

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yep they've always put that

they've never quite go the point of that question.

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

Should I be getting back in touch with them, or should I be telling them that this account was a disputed account. That lloyds agreed to freeze, to make credits, to reduce interest then broke all of these promises and the account remains in dispute to this day?

 

Also the N180 form - do I find this on MCOL and fill it online?

 

Thanks

Dont' stand for it - Hit Back!!

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Should I be getting back in touch with them, or should I be telling them that this account was a disputed account. That lloyds agreed to freeze, to make credits, to reduce interest then broke all of these promises and the account remains in dispute to this day?

 

Also the N180 form - do I find this on MCOL and fill it online?

 

Thanks

 

No you dont get back in touch...you have already submitted your defence.

 

With regards to the DQ N180 you said you had already received it post # 61 ?

 

You can complete it on your PC...not on line....3 copies required.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?406099-LEGAL-N180-Directions-Questionnaire-(Small-Claims-Track)-**Correct-at-Sept-2016**

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Hi,

 

Yes, I said I had received the n180 but it hadnt been filled in and as I was away it didnt get filled or sent :(

 

I just thought I'd be able to fill it in for them on the MCOL site where everything else is?

 

However it seems yoy cant so theyre going registered today.

 

The copy that goes to sols, I understand that they dont get a signed copy but on their copy is that page just blank or will I type in a name in the signature box?

 

DX said..std n180 HB that comes with any claim

 

yes to mediation

yes to Small Claims Track

State your local County Court

1 witness you

rest is obv

 

3 copies

1 to the court

1 to the sols minus sig/email/phone

1 for their file

Dont' stand for it - Hit Back!!

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type will do

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

Sent to MCOL - well I hope so that is?

 

I'm posting this incase it can help anyone else who may find themselves late on a deadline and just to ask the mods on here if they know of this?

 

Although it has always been the case that you have to send in N180 by post, it seems they have a workaround that allows you to email!

 

It takes a bit of work though, answer the questions in the N180 form the courts will send. Sign it, then scan the entire document, Its only 3-page as the back page is blank.

 

However if you're this stuck for time and worried it could be a life saver.

 

The Defendent emails the above to [email protected] and when you get an 'auto response' it means they've got it.

 

Its still a bit hairy becuse all youre looking of course is - A confirmation that all is OK!

 

However I called the court helpline on 0300 123 1057 and they confirmed that was the case.

 

I'll keep you posted on this as I dont want to be misguiding but it might just be a lifeline for people haven't for whatever reason not sent in the N180 in time and theres a less than a day to go??

 

Regards,

Hitback

 

I hope this actually helps as this site has been so helpful to me and I wanted to TRY to give something back!!

Dont' stand for it - Hit Back!!

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  • 3 weeks later...

Hi,

 

We agreed to mediation and so did they but what happens next?

 

Should we be approaching the other side to let them know this account they say they've bought was disputed and lloyds never honoured their promises they made?

Should we approach the other side and make an offer if they have bought this debt?

Whats the best thats likely to happen from the mediation services?

 

Just dont know what to expect or do next??

Dont' stand for it - Hit Back!!

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Hi,

 

We agreed to mediation and so did they but what happens next? Mediation services will contact you to make a mutual agreed time for both parties...they will ask or should have already if you have received all the documents to enable to proceed with mediation...99.9% of claims do not proceed to mediation because the claimants are not compelled to disclose documents until after allocation of the trial and nearer the trial date

 

Should we be approaching the other side to let them know this account they say they've bought was disputed and lloyds never honoured their promises they made? No ...

Should we approach the other side and make an offer if they have bought this debt? No ...

Whats the best thats likely to happen from the mediation services? See above

 

Just dont know what to expect or do next??

Nothing ...refer to your Notice of Allocation....Court Directions and prepare for the hearing.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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We agreed to Mediationlink3.gif and so did they but what happens next? Mediationlink3.gif services will contact you to make a mutual agreed time for both parties...they will ask or should have already if you have received all the documents to enable to proceed with mediation...99.9% of claims do not proceed to mediation because the claimants are not compelled to disclose documents until after allocation of the trial and nearer the trial date

 

OK so what youre saying is because lowell [have not] sent us anything requested that they simply ignoe us as they are not compelled to disclose documents?

 

So what good is the mediation service. Am I missing something glaringly obvious?

If I say the the MS that lowell have not supplied the documents require to enable us to negotiate. What happens then?

 

 

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Mediation is absolutely no good for money claims based on a regulated agreement covered by the CCA1974...its incompatible and the only reason we have to participate is because of a European Directive......so that will soon be scrapped.

 

Once you inform the MS that you are not in receipt of all the required documents..they will state mediation is not suitable and the claim will proceed as per your Notice of Allocation

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I thought that mediation was a way for both parties to put their argument foward and 'negotiate.

 

Telling these people that this has been a waste of time and they will have to go to court because even although the other party agreed to mediation will be a blow.

 

Having spoken to these people many times, they 'do not' want to go to court and they are frightened of the whole court process

 

. They thought theyd get a chance to tell this party the account they allegedly bought was at all times in dispute and if it came down to it, rather than go to court that could make some kind of payment to make this end!! :-(

 

If anyone has any ideas to attempt to put an end to this, please let me know??

 

Thank you....

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Then tell mediation you are in receipt of all information and able to proceed into negotiation...try to settle.

 

The flip side is if you state your not.....it will proceed to trial and in most cases Lowell discontinue the claim......end of claim....your choice.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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