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Name of the Claimant Lowell Portfolio 1 Ltd

 

Date of issue – 07/01/2019

 

date to acknowledge

25/01/2019

 

date

to submit defence – 08/02/2019

 

Particulars of Claim

1.The claim is for the sum of £310, due by the defendant under an agreement regulated by the consumer credit act 1974, for a SD account. An account with reference of ……

 

2.The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1)under the consumer credit act 1974. Which has not been complied with.

 

3.The debt was legally assigned to the claimant on 27.01.2017, notice of which has been given to the defendant.

 

4.The claim includes statutory interest under s.69 of the county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of the issue of these proceedings

the sum of £26 the claimant claims the sum of £340

 

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

 

What is the total value of the claim? £420

 

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

 

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

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) yes to lowell

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. Debt purchaser

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? No

 

Did you receive a Default Notice from the original creditor? No

 

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

 

Why did you cease payments? redundant

 

What was the date of your last payment? cant remember will see if its on bank statemewnt

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 dmp - Yes and no

 

…..........

 

received a claim form yesterday, have acknowledged service.

 

just about to do letters to creditor and solicitors

will keep you all updated as i go

Edited by dx100uk
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please note you correct dates for AOS and defence filing

 

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 [1 in the count]


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

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pretty much pointless ...sending it

 

dx


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

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

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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pretty much pointless ...sending it
thats for sure, i know i wont be asking them to extend the court time.

will give it another few days and then will submit defense doubt i will have anything from lowell by then

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