Jump to content


jasonaaa

Lowell PAPLOC now Claimform - vodafone debt

Recommended Posts

Hi,

 

I defaulted on a Vodafone contract, the default date is 02/08/2014, the amount at that date was £1389.92.

 

Lowell Portfolio 1 Ltd now have the debt and it was passed on to Lowell Solicitors who have sent me a Letter of Claim - 30 days to Prevent Legal Action.

The 30 days is from 04/04/2019.

Over the years I have ignored this debt and have received occasional letters asking for the money which I have ignored.

 

Should I risk ignoring this and hope nothing happens and in 13 months the debt become statute barred due to being 6 years old?

Or

should I reply to the letter of claim

complete Section 1 Box C stating 'I don't know whether I owe the debt'

 

then Section 4 Box I stating 'I need more documents or information', and asking for copies of the written contract for the debt, a full statement of account, a calculation of interest claimed a copy of the notice of assignment of the debt and any other document you may suggest I ask for?

 

Thanks in advance for any advice you can give.

Share this post


Link to post
Share on other sites

follow post 4 here.

 

dx

  • Thanks 1

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

the debt is solely made of monthly sums till the end of a contract which I did not and could not utilise as the provider had already terminated the connection

  • Thanks 1

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
20 minutes ago, dx100uk said:

the debt is solely made of monthly sums till the end of a contract which I did not and could not utilise as the provider had already terminated the connection

Trying not to be too ignorant, so my reason to dispute the debt is this quote?

 

Thanks,

 

jasonaaa

Share this post


Link to post
Share on other sites

that will do

 

and the bit there about paperwork already.

  • Thanks 1

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

Looking for some more help and advice please on this matter.

 

Sent reply to Letter of Claim, (it came 04/07/19 not 04/04/19) on 29/07/19 as suggested and got reply as per scan 0039. They replied 31/07/19 with the account was suspended until Lowell Solicitors got a reply from Vodafone (Attachment 0039).

 

Just received a letter from Lowell Solicitors, dated 22/08/19 (Attachment 0040). It only had copies of statements from Vodafone for February 2014 to June 2014 included, no copies of the Notice of Assignment.

 

What, if anything do I need to do next?

 

Thanks in advance of your help.

 

 

 

 

Thanks for your patience.

 

Response to Pre-Action Protocol.pdf Pre-Action Protocol Receipt.pdf

Share this post


Link to post
Share on other sites

thread tidied.

 

£500 airtime, what were you on to india for several hours then..

 

I cant honestly see them trying this on in court

they know if defended properly they don't stand a chance.

  • Thanks 1

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

Ha ha, it was 5 numbers on one account. I was paying for my wife and kids. Became ill couldn't pay, tried to negotiate and the rest is history. Anyway we will see what happens next. Hopefully nothing. 

 

Thanks so much for the advice and patience. Very much appreciated. 

 

Regards

 

Jason

Share this post


Link to post
Share on other sites

Seems Lowell do want their day in court,

 

I just received  a Claim Form for County Court from them giving me 14 days to respond.

Never been at this point before and very worried.

I would appreciate some more advice please.

 

I have attached a copy (redacted) of the first page of the Claim Form.

I guess the advice I am looking for is whether to admit to the whole claim, admit to part of the claim, dispute the claim, ask for 28 days to prepare defence or contest the court's jurisdiction.

 

If it were to go to court can I get the case transferred to my local county court in London rather than it being in Northampton?

 

Thanks again for the help and advice.

 

 

Share this post


Link to post
Share on other sites

woe slow down

100's of Lowell telecom claimform threads here already

they typically run away once defences are filed and they swallow hard its all unused airtime etc.

 

please complete this:

 

 

  • Thanks 1

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

Name of the Claimant ?LOWELL PORTFOLIO 1 LTD

 

Date of issue – 16 OCT 2019

 

Date  to acknowledge) = 03.11.2019

 

date to submit defence = 15.11.2019

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down.

 

1)    The Defendant entered into an agreement with Vodafone under the account reference ********* (“the Agreement”).

2)    The Defendant failed to maintain the required payments and the service was terminated.

3)    The Agreement was later assigned to the Claimant on 24/12/2014 and notice given to the Defendant.

4)    Despite repeated requests for payment, the sum of £1389.92 remains due and outstanding.

And the Claimant claims

a)    The said sum of £1389.92

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, accruing at a daily rate of £0.305, but limited to one year, being £111.19

c)    Costs

 

What is the total value of the claim?

 

Amount claimed                     £1501.11

Court fee                                 £105.00

Legal representative’s costs £80.00

Total amount                          £1686.11

 

Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?Yes

 

Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?No

 

Did you inform the claimant of your change of address?Not applicable


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

 

When did you enter into the original agreement before or after April 2007 ?Before April 2007 - 28.07.2006

 

Do you recall how you entered into the agreement...On line /In branch/By post ?Likely to online, otherwise by phone

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?Yes

 

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.Assigned Debt purchaser, Lowell Portfolio 1 Ltd

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?Yes 11.03.2015

 

Did you receive a Default Notice from the original creditor?Yes 23.06.14

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?No

 

Why did you cease payments?Became ill, in fact disabled, and had to halve my working hours to try to cope.

 

What was the date of your last payment?29.01.2014

 

Was there a dispute with the original creditor that remains unresolved?Yes, in that in trying to communicate with Vodafone I ended up with about 5 different complaint numbers making it difficult to agree a payment plan and resulting in the debt increasing.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?

Yes, Vodafone did not accept any of my offers, they always asked for a lot more because they insisted in my clearing the whole debt within 6 months. My account was suspended in March 2014 so I could not make any payments.

 

 

Share this post


Link to post
Share on other sites

please note your correct defence filling date

 

pop up on the MCOL website detailed on the claimform.
[if mcol is not working return after the w/end or the next day if week time]
.
 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
 you DO NOT file a defence at this time
 click thru to the end
 confirm and exit MCOL.
..
 get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant]
..

https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/
.
.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]
 

  • Thanks 1

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

Thank you. MCOL all done. Does my CPR 31.14 request letter seem okay?

 

PLEASE NOTE - template letters from our library should not be reproduced on the open forums. If you would like to let people know the wording of your letters simply link to the Letter in question.

******

******

******

*****

 

Share this post


Link to post
Share on other sites

Not sure how to show (link) you to the the letter I want to send. Can you please advise. Thanks.

Share this post


Link to post
Share on other sites

why do we need to see our own template?

we know what it says..

 

 


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 had made some changes as suggested to personalise it to my case and just wanted to know if it was okay to post.Just not very confident doing this and appreciate the help very much you are giving. Thanks.

 

I will print the letter and get it posted off tomorrow morning and then work on the defence I need to file.

Share this post


Link to post
Share on other sites

look at their POC 

select the relevant [add/delete] documents listed that the template that they refer too that you can request disclosure of. 


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

The following was what you requested....if they are referred to in its particulars you have completed the CPR 31.14 correctly. If not referred to remove them from your request.

 

1: The Agreement. You will appreciate that in an ordinary case and by reason of the provisions of CPR PD 16 para 7.3, where a claim is based upon a written agreement, a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s) should be available at the hearing. Further, that any general conditions incorporated in the contract should also be attached.

 

2: Notice of Assignment

 

3: The Default Notice

 

4: The Termination Notice

 

5: Statement of Account

  • Thanks 1

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

Thanks for the guidance and support dx100uk & Andyorch. Here is my defence, how does it look?:

 

1)    The Defendant entered into an agreement with Vodafone under the account reference ********* (“the Agreement”).

2)    The Defendant failed to maintain the required payments and the service was terminated.

3)    The Agreement was later assigned to the Claimant on 24/12/2014 and notice given to the Defendant.

4)    Despite repeated requests for payment, the sum of £1389.92 remains due and outstanding.

And the Claimant claims

a)    The said sum of £1389.92

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, accruing at a daily rate of £0.305, but limited to one year, being £111.19

c)    Costs

 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

 

1. Paragraph 1 is noted. I have in the past had a contractual relationship  with Vodafone however I do not recall the exact details or recall any outstanding balance and have requested that the claimant verify the exact details of this claim by way of a CPR 31.14 request. The claimant has yet to comply.

 

2. Paragraph 2 is also noted  but denied. The amount claimed could not possibly consist of simple monthly usage.

 

3. Paragraph 3 is noted.It is questionable why the claimant has waited 5 years to litigate on an assigned debt and then tries to claim section 69 interest 

 from the date of assignment but then limits itself to just one year.

 

Therefore the Claimant is put to strict proof to:

 

(a) show how the Defendant has entered into an Agreement/Contract

(b) show and disclose evidence of the nature of breach and quantify any debt outstanding

(c) show how the Defendant has reached the amount claimed for

(d) show how the Claimant has the legal right, either under statute or equity to issue a claim

 

4. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act.

 

5. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.

 

6. Notwithstanding the above should the alleged amount claimed include an early termination charge(s) amounting to the entire balance of the remaining contract, OFCOM guidance states that any Early Termination Charge that is made up of the entire balance of the remaining contract is unlikely to be fair as it fails to take into account the fact that the provider no longer has to provide and pay for their service. An Unfair Term and Condition governed by the Unfair terms in Consumer Contracts Regulations (UTCCR).

 

7. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.

 

Share this post


Link to post
Share on other sites

Andy,

Thanks so much for the tweaks, much appreciated. I will get the above added to my defence now and await Lowell's response to my defence. I will update you here when I hear back from them/court.

 

Thanks again,

 

Jason

  • Like 1

Share this post


Link to post
Share on other sites

Hi,

Just received Lowell Solicitors response to my CPR 31.14 request. I have attached it here as one pdf. It contains a response letter from Lowell, a copy of letter of assignment from Vodafone, a copy of a letter from Lowell saying they bought the account and five months of Vodafone fully itemised bills (I just attached the quick breakdown of each).

 

Is this a standard response to the CPR 31.14 request or is their anything to be wary of?

 

Many thanks,

 

Jason

 

Share this post


Link to post
Share on other sites

Pretty standard yes...although its good of them to confirm in writing what the debt consists of....

 

image.png.3aad8b1585d6159c257718de0442c38d.png

  • Thanks 1

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

page 6 has your name

 

att removed

 

there must be 100's of people wetting themselves and blindly paying for lowells to keep issuing these claimforms as whenever a claim is defended they eventually run away

  • Thanks 1

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

Thanks for the feedback Andy and dx100uk

 

Jason

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...