Lowell claimform - HBOS OD - poss SBd

[AndyOrch]

National Debtline......mmmmmm

 

Its irrelevant where the claim was issued from...its where the agreement was signed.

 

Signed in Scotland...where are you residing now ?

[rennai]

Update guys:

 

Judge said Lowell won, that I've 14 days to pay Lowell.

 

Judge said: It's not SB due to 3 pounds payment on 23/02/13, Lowell changed solicitor....not the paralegal that wrote WS.

 

Lowell solicitor said if I insist on 5  yrs Scottish law on SB then I should've written to the court that they lack jurisdiction to hear the case, the judge agreed with her, saying that if she should go ahead to judge the case it'd be based on English law which specify 6 yrs. There and then I wasn't sure what my rights are on this point of jurisdiction??

 

The fact Lowell didn't:

---comply CPR and didn't provide any copy of the agreement they said I breached were all ignored by the Judge, Lowell 

---Lowell were allowed to amend the amount they are claiming for at the hearing, and Judge accepted, she didn't ask why Lowell didn't made application to amend POC after some refund by HBOS for wrongly applied charges.

 

Lowell raised action that I breached an agreement they don't know or they haven't seen or retained any copy, they couldn't say how much was the required payment monthly that I failed to make. Lowell solicitor said they are only required to comply with court direction for WS, etc, I said to the best of my knowledge that that should apply after the case was allocated because I made formal demand immediately I received issued claim from court. They raised matter on 14/09/18, I received court papers 18/09/18 I wrote Lowell CPR, etc the next day being 19/09/18 but they didn't reply until about 9 months.

 

From SAR I noticed Lowell bought this debt 0.08, and now they are authorized for full payment of balance of an account that is dispute and the matter is still pending with FOS.

 

All said, I thank everyone for advise I was given it was great tips but Judge didn't see good of any points I raised.