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Lowell claimform - merged BT and Sky debt

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Hello all

I have received a letter from Lowell stating that I owe them money from an old Sky account.

I replied asking for any statements, contracts relating to the account and any NOA.

They responded with a template NOA, nothing else. 

 

I was wondering what the next stage is, as I see that they like to take people to court.

 


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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and rarely do they win on tv/phone/BB claims.

 

if you've not received a letter of claim from Lowell sols ignore for now

 

dx

 


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Thanks dx.

 

I also received an information sheet which lists what documents I should request from them, including a copy of a written contract for the debt, a full statement of the account, a noa and a description of any admin charges on the account.

 

They've not provided any so this will be pointed out should this go to court


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Looks like Lowell have issued a court claim, which I have acknowledged. The mcol website is inviting me to offer a defence, was wondering if you guys could help me with it, or point me in the right direction?


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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If you have done AOS they must have issued a court claim...

Have you sent cpr?


..

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Please complete this:

 

 


..

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No I haven't done anything apart from the acknowledgement of service

 

i think i need to file a defence asap

 

Name of the Claimant ? Lowell Portfolio

 

Date of issue – . 29th Nov 2019

 

Particulars of Claim

 

What is the claim for – the reason they have issued the claim? 

 

1. the claim comprises the following agreements the defendant entered into:

a BT plc

with reference xxx and current balance of xxx

b. Sky UK limited

with reference xxxx and current balance of xxx

the agreements were terminated as payments were not maintained and subsequently assigned to the claimant.

 

What is the total value of the claim? 563.48

 

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? n/a


Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? no

 

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

 

Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? no

 

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 Sums in Arrears”  or " Notice of Arrears "– at least once a year ? no

 

Why did you cease payments? accounts were closed

 

What was the date of your last payment? 2015

 

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 debt management plan? no


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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your defence was due yesterday.

 

dx

 


..

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ok

 

i thought it was working days


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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how can you this is not your 1st court claimform either!!

i'll find something later a day or 2 late wont hurt you you are a LiP.

 

dx

 

 


..

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theres been 3 bank holidays, maybe this will help

 

truth is, after the AOS, i was waiting for something in the post to confirm the next steps


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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I've been able to file a defence on MCOL


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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only 2 days a year count

easter and xmas

 

what did you file?

there was no need to blindly rush in.

 

dx

 


..

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I'll post what I filed tomorrow 

 

If xmas counts, then I'm within time, is this correct?


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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your def was due yesterday 

date on claimform is one in the count + 1 day [xmas]


..

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Is there anything I can do about it?

 

Isnt 33 days +1 from 29th November = today?


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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you already have

you've filed a defence (hope it was from here and CPR Compliant?)

 

I've explained the filing date already…….

claimform date is ONE in the count...so nov 29 + 33 days is 31st dec

but you get 1 extra day for xmas = 1st Jan

but as you are a litigant in person(a member of joe public) ..you are given certain leeway.

 

 

 

 


..

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CPR compliant? Please can you elaborate?


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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what did you file as a defence

if not we'll give you one

 


..

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