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Tauty

Lowell Letter of claim now claimform - 2 shop Direct + Cap1 card debts merged

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Hi lads,

 

I have received letter from lowell saying they will take me to court, what should i do next?

 

 

 

LOwell PAPLOC.pdf

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post 2 here

 

you'll need to send 3 CCA request to lowells

 

tell us more about why you didn't pay these.

and their individual history


..

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Thanks dx!

 

Do I have to send 3 CCA's direct to lowell, or their solicitors?

 

I had some problems abroad, so was away from UK for a while to sort everything out, so received letter from them recently.

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post 2 here

follow page to for the PAPLOC reply

you'll also need to send 3 CCA request to lowells

 

tell us more about why you didn't pay these.

and their individual history


..

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Just checked all of that dx, so my question is - do I have to send CCA's before I am filling PPAPLOC?

Sorry, I am realy bad in all this law stuff 😕

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part of the same process

 

dx


..

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Hi lads,

Just received letter from lowell solicitors, that they will try to look for documents I requested, so my account is suspended 🤞

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Good evening lads,

So lowell solicitors came back to me with and provided all credit agreements also all transactions had been made etc.

But none of credit agreements has my signature in it.They gave me 14 days to replay to it, what should I do next?

 

Cheers!

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scan up each CCA return to ONE multipage PDF each

don't need statements for the card.

 

read upload guide carefully

 


..

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Will upload when I ll sit next to laptop

Edited by Tauty

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Hi, if you have problems of the view, I will try to make better quality pics. Thanks!

pdf1.pdf pdf2.pdf

pdf3.pdf

Edited by Tauty

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no cap1 agreement there? [1 sd pdf2 duplicated?]

 

the problem if you look at the SD ones..

they are within 3 days of each other

theres no real proof of any agreement number to match either to the agreement no's in their POC

they appear to be for the same value.

theres no proof like IP number of actually who/where online these were taken out

that paperwork can be downloaded from numerous sites inc this one, or come from lowells own filing cabinet and had your details inserted cut/paste in  any photo editing software..

 


..

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Shop direct ones, they were taken one form very other one form littlewoods , so what should I respond to them? As they gave me 14 days to respond to all 3 cca's. Thanks

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but neither tell you that [very/littlewoods nor the agreement no's..so what proof is there either are compliant or real ..none..

where the cap1 CCA?

 

no you don't respond either

next move is not yours.


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Please see attachment pdf3, thats for cap1. Thanks

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Thanks DX, I will have a look there, appreciate your time

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Hi Dx, I received paperwork from court, which gives me 33 days to submit my defence, right?

 

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please complete this:

 

 


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Hi, Dx

 

Sorry for late reply, I was out of country for a week.

 

1. Lowell Portfolio LTD


2.16.01.2020


3.1)The Claim comprises the following Agreements the Defendant entered into:
a.Shop direct financial services with reference xxxxxxxx and current balance of 762.05
b. Shop direct financial services with reference xxxxxxx and current balance 800.65
c. Capital one (europe) plc with reference number xxxxxxxxxxxxxxx and current balance 324.45
The agreements were terminated as payments were not maintained and subsequently assigned to the claimant.
And claimant claims:
a)The total of said sums being 1887.15

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, but limited to one year being 143.59
c)costs

 

What is the total value of the claim?2030.74 + court fee and legal representatives cost

 

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?I was in and out of country but lived same address all the time.

 

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

 

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

 

Do you recall how you entered into the agreement...On line /In branch/By post ?Online, never physically signed anything.

 

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

 

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.Account has been assigned to the Debt purchaser.

 

Were you aware the account had been assigned – did you receive a Notice of Assignment?Cant remember that.

 

Did you receive a Default Notice from the original creditor?Cant remember that too.

 

Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ?
Not sure

 

Why did you cease payments?Had problems back home, still having them, so have to live between 2 countries,was sending money back home, then missed payments and couldnt get on track after that.

 

What was the date of your last payment?Cant remember about 2 years ago.

 

Was there a dispute with the original creditor that remains unresolved?No, all of them sold it to debt purchaser.

 

Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?No

 

 

**************

 

I will send CCA and CPR requests tomorrow, or latest monday morning, should I use  first class recorded delivery or should I use normal delivery ?

 

Thanks in advance!

 

 

Also  AoS has been done, so I am going through forum here looking for some good information to fill my defence

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thread in post 16 a good place to read.

 

don't miss your defence filing date no matter what!!

 

i'd use recorded as yo only have 22 days left..

 

only send CPR unless there is a CCA request outstanding from the PAPLOC run on one of the account s

there is no need to repeat CCA's if they have already had one for each and replied to each


..

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