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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
format

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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 don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Many thanks for the changes DX

have them in me diary ready to do

letters for cpr and cca have been sent today too

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pretty much pointless ...sending it

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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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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Just an Update

i posted my defence day before it was due and the following day I received some bumff from Lowell.

a copy of an agreement

a reconstituted copy of the NoA

statement of account which over £100 is interest and charges

 

i filled the N180 and just waiting now for transfer to local court.

 

 

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wanna scan up what they sent

one multipage PDF ONLY please

read upload


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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uploads removed

1st page has your name


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I think that's what we've seen them trot out before 

cant see a default notice yet mind


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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cant see a default notice yet mind

asked for everything via their solicitors as well as the Credit agreement and that is all i have received to date.

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well they know that can be fatal to any court claim.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Had a letter from court today.

1) the claim is suitable for the small claims track and has been allocated.

2) the claimant do send to the court and also to the defendant, evidence of compliance with the protocol for debt claims, and the copy documents requested by the defendant by 4pm on 2/5/19.

3) the matter will be referred back to the judge after 2/5/19 

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nothing for you to do?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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nothing for you to do?

 

Nope nothing at all for me, its all on them DX

 

cheers

Lets

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Name showing on page 2 upload unapproved.


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how did they get your email address?

no default notice then

this has been fatal for them in the past

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Name showing on page 2 upload unapproved.

thank you Andy, have no reposted double checked for names 

Quote

 

how did they get your email address?

no default notice then

this has been fatal for them in the past

 

i put Email address on court papers DX

Nope no default notice, screenshot says they sent one but not received 

and also included reconstituted notice of assignment and not an original copy 

 

cheers guys

Lets

 

docs from low-010519.pdf

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Well todays post bought me a court date for this claim, date in July.

just need to sort out witness statement now, 

the court received the same garbage i did and they allowed the claim to continue ( different judge )

 

any help and advise please guys n girls 

 

many thanks 

cheers

Lets

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lots of cat claimform witness statements here already

hit the cag logo top left

then custom google search box on the left

use as above.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Good evening All

I received their witness statement this afternoon, only contained what they have already sent 

got week left to put mine in now 

 

cheers 

lets

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stil need to see it one pdf only please


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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