Jump to content


  • Tweets

  • Posts

    • Hey guys,   Update: I have done as Eric suggested, however have had no response yet from courts.   Good news is that I received a letter from CEL last night and it states that the claimant discontinues proceedings for the whole of this claim!    Looks like they got a bit scared of the bill  I will double check with courts today to ensure this is true.    Again, this is 2/2 cases I have won against CEL with CAG help!!!! Thank you to everyone involved and I have one more to fight! 
    • Complete joke, trying to access the Moneyclaim online using the case number and password which is on the court papers and unable due to case number or password wrong. They are 100% same as on paperwork, we accessed to submit AOS now unable to submit defence,     
    • Hello, Some might remember me I put up a post about buying a seat leon,   Anyway it has caused me hell!!   So I had a new dual mass flywheel and clutch fitted by   Formula one auto center    A couple of days later my clutch is slipping and making noises and smells, so I took it back to the garage and they have offered repair it free of charge under Warranty,   I have told them I had trouble getting the car into them for the whole day the first time they fixed it and I need my car,   I have asked them to provide a courtesy car but they refuse to provide it.   Under consumer rights act 2015    Page 23   paragraph 2   (A) do so within a reasonable time and without significant inconvenience to the consumer and,    (B) bear any necessary costs incurred in doing so (including in particular the cost of any labour, materials and postage)   They must cover the cost of this?   Thanks again    
    • images/posts removed . please do not post jpg picture images directly to a post . read upload and redact in jpg then convert using on of the listed websites there to convert to one multipage pdf only . that way only logged-in,registered and approved caggers are the only ones that can download and see them . else anyone can see them caggers or not. dx
    • OK, I will do now.   I did look to black out certain things, but I was not sure what I should and should not redact and there was nothing on there that was personal enough for me to be concerned with being made public. So I am happy for all to view, but if you are kind enough to redact what is needed as per the forum rules, that would be amazing.     I was planning on collecting up other court cases they have lost, to refer to as part of my evidence, I'm not sure if this is worth doing or could just confuse matters?   But there seem to be many where the judge has ruled against them because of confusing and not clearly displayed signage, trespass, as well as their charge being £100, which is more than the Bevis case said was reasonable.    A quick search found this article as one example KBT cornwall lose case article.pdf   Lastly, I will go to the site to get updated images, but from google earth, you can see from the pictures the entrance states it is for the hotel parking, which I follwed instructions and gave my details to the hotel. Where I think my car was parked (it was that long ago I'm not exactly sure) there are signs on the opposite wall, but it was 12.30am, pitch black and they could not be seen.           Claimants_WS.pdf
  • Our picks

Ethan1995

Lowells claimform - old littlewoods CAT debt

style="text-align:center;"> Please note that this topic has not had any new posts for the last 545 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

It’s currently 4:30am and haven’t been able to sleep tonight worrying about this situation I find myself in so apologies in advance for bad spelling/not making sense.

 

I opened a littlewoods account around 2/3 years ago now when I’d lost everything and was immature and stupid I ended up maxing out the account to a total of £600...100s of letters/phone calls of being ignored I’ve finally been hit with a county court claim.

Came on the 4th but had the date of 1/06/18 on it.

I briefly read through it and started to panic on how real this could be getting.

 

I haven’t filled anything in I was just going to ignore it and just let things plan out as I did do with quickquid years ago which just gave up but reading more into the forums here and the words county court are starting to seem more serious. I have no job and has been like that for 6 months now,

No money at all and living with my mum.

 

We’re set to move in a few months so If I just ignored what will happen?

I’ve not once been in contact with them like most have on here it’s just been a straight case of me ignoring it whilst giving myself a slap everytime a letter came through the door asking myself why was I so stupid back then.

 

if someone could help with advice I would really appreciate it,

Also my credit rating is so bad and I really don’t expect to be looking for any credit related items in the next 5-8 years so would an CCJ really affect me?

 

Lowell’s now ask for a sum of £860 odd in total

 

Thanks and sorry for any ignorance in this message

Edited by Andyorch
Paras

Share this post


Link to post
Share on other sites

dont ignore, it wont go away.

What paperwork do you have associated with this claim as they dont come out of the blue so do you still ave old statements, the default notie, notice of assignment of the debt to Lowells, their letter before action?

 

The chances are that you owe much less than this and defending the claim will not only mean that you dont pay Lowells a unicorn food tax on top of the debt but get an order instructing you how much to pay and when from the court and that will stop Lowells hounding you should you follow that plan.

 

The court may order you to pay as little as £5 per year until your circumstances change.

 

tell us all about the whens and what paperwork you have

Share this post


Link to post
Share on other sites

Hi Ethan

 

If you would read the following link which explains the process and copy and paste the Q,s and your responses back here so we have all the information in one post to enable the best advice on how to proceed.

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2018**

 

Regards

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Share this post


Link to post
Share on other sites

If I just ignore it is the a chance they will just strike it out as taking it to court is proberly costing them more then it’s worth?

Thanks Andy I’ll fill that out once I get back home and onto the PC.

Share this post


Link to post
Share on other sites

complete the link in post 3 please


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
If I just ignore it is the a chance they will just strike it out as taking it to court is proberly costing them more then it’s worth?

Thanks Andy I’ll fill that out once I get back home and onto the PC.

 

No its stuck with you for 6 years...default judgment...thats what this claimant is hoping you will do.


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Share this post


Link to post
Share on other sites

How do I fill that form out

I don’t have Microsoft word to put my own writing ( Anserws ) in.

 

And you say it’s stuck with me for six years, stuck to my credit rating?

If so I really couldn’t care less about my credit rating it’s that bad from mistakes at a younger age.

Or do you mean they will keep the pressure up and there will other more serious consequences?

Thanks

 

Never mind I’ve actually used my eyes to work out now sorry, filling it out now

Edited by dx100uk
merge

Share this post


Link to post
Share on other sites

you don't need to use word

just copy and paste is to a msg box here

and add your answers at the end of each question line


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

hope that's done correctly.

 

 

Name of the Claimant? Lowells

 

Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 1/06/18

 

Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) -

 

^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? Littlewoods account. Not repaying the original £660 owed. Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down.[/color]

 

1) The defendant opened a Littlewoods regulated consumer credit account under reference ......... on 06/12/2016 (‘the agreement).

2)In breach of the agreement, the defendant failed to maintain the required payments and the agreement was terminated.

3)The agreement was later assigned to the claimant on 30/06/2017 and written notice given to the defendant

4) despite repeated request for payment, the sum of £660.99 remains due and outstanding. And the Claiment claims

a) The said sum of £660.99

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, accusing at a daily rate of £0.145, but limited to one year, being £48.53

 

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? no

 

What is the value of the claim? £839.52

Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Cat Debt

 

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

 

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. issued by the Debt purchaser

 

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 ? yes

 

Why did you cease payments? couldn't afford

What was the date of your last payment? none

 

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? no

Share this post


Link to post
Share on other sites

Thanks ..now refer back to the link I posted and read about acknowledgment of service and using the on line portal and how to register.

 

You have 19 days from and including 1st June to acknowledge service..you then have a further 14 days to submit a defence...33 days in total.

 

Also in the link follow the instructions re CPR 31.14 and CCA request...thats your next task.

 

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Share this post


Link to post
Share on other sites

Hi again, I’m currently filling out the N9A (SDT) form of admission (specified amount ) I’m go to say I will only pay the original amount of £660.99, is there any advice you can give me to get the best outcome of this route I’m going down?

Share this post


Link to post
Share on other sites

No dont go down that route...you do it all online as per my previous post...defend all....no admittance.

 

Acknowledge service on line for now......defend all ...do the CPR and CCA requests...nothing else.


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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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

Share this post


Link to post
Share on other sites

I’m really bad at all of this, what do I need to do online?

Share this post


Link to post
Share on other sites

pop up on the MCOL website detailed on the claimform.

.

register as an individual

note the long gateway number given

then log in

.

select respond to a claim and select the start AOS box.

.

then using the details required from the claimform

.

defend all

leave jurisdiction unticked.

click thru to the end

confirm and exit MCOL.

.

get a CCA Request running to the claimant

leave the £1PO blank and uncrossed

.

get a CPR 31:14 request running to the solicitors

.

type your name ONLY

 

no need to sign anything

.

you DO NOT await the return of paperwork.

you MUST file a defence regardless by day 33 from the date on the claimform.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Right signed up, I have 2 choices on the website

Begin new claim

Respond a claim made against you - I take it I fill out this one right?

Share this post


Link to post
Share on other sites

as my guide says

RESPOND to acclaim

go read it CAREFULLY again......


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok, was just double checking. Starting that respond now, sorry for be so ignorant this is still all new to me and it’s slightly worrying

Share this post


Link to post
Share on other sites

So that’s all done, just about to send of the CCA once I can get to a printer, can I include CPR in the same letter as the CCA or does it have to be done sepretaly?

Share this post


Link to post
Share on other sites

CCA goes to the claimant

 

CPR goes to claimants solicitor

Share this post


Link to post
Share on other sites

Ok so the Claiment in my case is Lowell but who’s the Claiments solicitor? It doesn’t say on the papers who it is

Share this post


Link to post
Share on other sites

their own in house

just send CPR/CCA to lowells as advised Earlier


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok perfect thanks, will get that sent out tomorrow and then I guess I seek advice from you guys about what my defence will be?

Share this post


Link to post
Share on other sites

Use the search cag box of the top red toolbar

 

https://cse.google.co.uk/cse?cx=partner-pub-0964707606882478:652l7hswbgv&ie=UTF-8&q=lowell+cat+claimform&sa=Search+CAG

 

..

 

well the next bit is down to you

CAG is self help too!!

so using the link above get reading up

so you KNOW what to do and when...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

I’m stuck on the CPR, is there a template anyone could give me of what I write?

And well I pretty much don’t have a defence so all this is for nothing

Share this post


Link to post
Share on other sites

go back and click the links in post 14

 

its all there..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...