Jump to content


Nibbles83

LOWELL claim form - old provident doorstep loan

Recommended Posts

dx100uk,

i understand but the point is for me to know on either last payment or default notice both have passed the 6 year limit .

 

i just had the impression when i got the paper work back from Provident that it wasn't all there and there fore lucky for me to find that paper work in the cupboard with all the junk , so i now know for 1000000000% its SB .

 

so i dont understand why lowells have filed court papaers .

 

Ooh well i guess i just have to wait and hear from the court now .

 

been checking MCOL & Lowells havn't added anything on their . so a waiting game i guess

 

Thanks again guys for all your help .

 

Thanks Nibbles

 

 

 

 

Share this post


Link to post
Share on other sites

Sorry for the delay it is here: (its not that complicated, you got it in one.)

 


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites
2 hours ago, Nibbles83 said:

ok ... so for say if the default notice was dated say hmmm   ..... the 1st march 2013 that would mean it became SB march this year ?

 

Thanks Nibbles .

 

Not quite...the default notice would allow 14 days to rectify the breach...so 15th March or thereabouts

 

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
1 hour ago, Andyorch said:

 

Not quite...the default notice would allow 14 days to rectify the breach...so 15th March or thereabouts

 

Andy

hey Andy

so still SB Correct ? as that date has still passed

 

1 hour ago, Dodgeball said:

Sorry for the delay it is here: (its not that complicated, you got it in one.)

 

Thanks Dodgeball will have a read through soon

Share this post


Link to post
Share on other sites
9 hours ago, Nibbles83 said:

dx100uk,

i understand but the point is for me to know on either last payment or default notice both have passed the 6 year limit .

 

i just had the impression when i got the paper work back from Provident that it wasn't all there and there fore lucky for me to find that paper work in the cupboard with all the junk , so i now know for 1000000000% its SB .

 

so i dont understand why lowells have filed court papaers .

 

Ooh well i guess i just have to wait and hear from the court now .

 

been checking MCOL & Lowells havn't added anything on their . so a waiting game i guess

 

Thanks again guys for all your help .

 

Thanks Nibbles

 

 

 

 

all DCA's file speculative claims. some 750'000 a year

hoping for a non defended default rubberstamped judgement where no human checks anything.

85% of these claims result in the above.


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

Share this post


Link to post
Share on other sites

Hey Guys

only little update i have for now is that on MCOL ,

The court have today issued the DQ now so just need to wait for that, so i can  decline there very nice offer to mediate . :(

 

Nibbles

 

 

 

 

news12.pdf

Share this post


Link to post
Share on other sites

Hey Andy ,

now that its showing on the MCOL for the DQ do i have to wait as i rememebered i printed 3 copys off ready for when this was to arrive ?

 

also im not sure which boxes i should or shouldnt be ticking any help would be appreacated .

 

Thanks Nibbles .

Share this post


Link to post
Share on other sites

no to mediation

1 wit you 

the rest is obv.


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

Share this post


Link to post
Share on other sites

Hey dx100uk, 

Thank you for replying ... ok i know i need to double check for my self ,

on the form :

c1 : do you adree that the small claims track is the appropriate track for this case ? yes / no ?

if no please state why : ?

 

also i know i sign the courts one but do i also need to sign the one i send to lowells solicitors ? 

 

Thanks Nibbles

 

 

Share this post


Link to post
Share on other sites

yes

you can leave off sig/phone/email on lowells copy


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

Share this post


Link to post
Share on other sites

Hey Thanks dx100uk ,

they all nicely ready for posting in the morning 😋

 

 

Nibbles

Share this post


Link to post
Share on other sites

Hey Guys ,

Just to doible check when sending a SAR do we sign it or not ?

 

Thanks

Nibbles

Share this post


Link to post
Share on other sites

hey Andy ,

 

how have you been ?

 

SAR to

 

halifax:

lloyds:

oakham:

 

 

Thanks

Nibbles 😋

Share this post


Link to post
Share on other sites

read what the sar link and all its posts say....

but these are nothing to do with this claim so shouldn't be posting it here.

 

 

dx


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

Share this post


Link to post
Share on other sites

hey dx100uk ,

hope you are well ,

 

yes i know its why i just asked the question but was just replying to Andy .

 

i did and thanks again guys thought i had booked mark it but hadnt but have now . :)

Thanks Nibbles

Share this post


Link to post
Share on other sites

Im good. Nibbles in rude health and trust you are also...but dont clutter your thread with DSARS and unrelated matters.

 

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

Afternoon My Friends 😋

 

today Lowell solictors have written :D

 

ive uploaded the pdf for you guys .

 

Is it my understanding that on the customer details sheet they have in a little box "Annual statement last sent " 30/06/2013 🙄 which i know that date is when they registered it with my credit file ( its the same date ) . 

yet no default notice entry to any paper work .

 

yet i know the OC sent the default notice on the 01/03/2013 .

but when i SAR the OC & They sent back paper work with yes you guessed it no default notice no annual statments ect ect ...…

. i think they think i dont have the default notice .

 

01/03/2013 to 15/03/2019 give or take a few days to my calculation is 6 years SB

 

but .... from the letter they say that the OC let it run the fix term agreement before selling and there fore it is not SB .... ( got to give them points for this im sure ) ..... not sure how that works when the OC sold it to Lowells on the 29/08/2014 .

 

again they have offered me a tomlin order .... yeah because im silly enough to enter in to that with you over what i beleive is a SB debt .

 

i sent the DQ back to the court they signed for it on the 8/03/2019

 

am i right in thinking they're saying because there is no default notice (they think) that it runs from the 21/11/2014 ?

 

anyway i know not to reply to the tomlin order .

 

Thanks Guys

Nibbles 😋

 

 

 

 

convert-jpg-to-pdf.net_2019-04-11_16-40-47.pdf

Share this post


Link to post
Share on other sites

god..how many more times are they going trot out that twaddle.


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

Share this post


Link to post
Share on other sites
Posted (edited)

so lastest update on MCOL is ..... Your claim was transferred to XXXXXXX on 17/04/2019 so im guessing ill have to wait for the courts to send me the paper work now .

 

i was wondering if dx100uk or Andy would help me write out my defence for court .

 

hope everyone is well

 

Nibbles .

Edited by Nibbles83

Share this post


Link to post
Share on other sites

you've already filed your defence...


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

Share this post


Link to post
Share on other sites

Hey dx100uk,

 

how have you been ?

 

so yes on mcol i entered my defence as::

 

1) The Claimant's claim was issued on 5/03/2019.

2) The Defendant contends that the Claimant's claim so issued is a
claim in contract and is statute barred pursuant to the provisions
of section 5 of the limitation act 1980.

If, which is denied, the claimant contends that the Defendant is
in breach of the alleged contract, in excess of 6 years have
elapsed since the date on which any cause of action for breach
accrued for the benefit of the Claimant.
.
3 The Claimant's claim to be entitled to payment of £5073.16 or
any other sum, or relief of any kind is denied.
 
so i dont need to add anything ? even though lowell only sent through there "solicitor" a copy of the CCA and nothing else i requested ?
no default notice ,(even though i have the one from 2013 from the OC) no action before court letters ect ect .
 
just dont want to roll up in court without anything i need as im not sure how court works for this kind of thing being it my first time to reach this point .
 
thanks Nibbles .
 
 

Share this post


Link to post
Share on other sites

we know that

but you have wrongly stated 

 

i was wondering if dx100uk or Andy would help me write out my defence for court .

 

you next step is your WITNESS STATEMENT.

 

you really should be reading up in the down periods between stages

so you know what to do next

you haven't a court date yet?? so don't know when its due

await the courts directions

but there is no harm in your researching what you witness statement might need to contain

 

use the google custom search top right

claimform witness statement loan

or 

claimform witness statement provident loan


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

Share this post


Link to post
Share on other sites

I feel you should be made aware of this ruling, I am unsure whyyou have not been already.

 

 

 

 


DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

Share this post


Link to post
Share on other sites

thanks dx100uk , i did mean whitness statement .

 

i am at present in a lot of pain so please bare with me .

 

no no court date yet so ill will await it .

i will and am searching for examples to help me and ill keep searching its just how to word my whitness statement that i think ill need help with .

 

 

Dogeball :  you did  post it already . i also asked you if it went from default date and not last payment date . so im a little confused by your post .

 

 

thanks Nibbles .

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...