so the only paperwork you have to date is one letter from lowells saying you have a CCJ?
or you've now found the claimform in the 7week of mail you got home too?
are you saying that from the date of the court claim
in the 6yrs prior to it you never paid Lloyds or anyone a penny on this debt?
Name of the Claimant ?
Date of issue
23 Jan 2020
Particulars of Claim
What is the claim for – the reason they have issued the claim?
1) the defendant entered into an agreement with capital one credit card which was regulated by the consumer credit act 1974 under reference 546**********358 on 25/09/2015
2) In breach of the agreement, the defendant failed to maintain the required payments and the agreement was terminated.
3) The agreement was later assigned to the claimant on 21/02/2019 and written notice given to the defendant.
4)despite repeated requests for payment the sum of £2300 remains due and outstanding.And the claimant claims
a)The said sum of £2300
b)intrest pursuant to s69 count courts act1984 at the rate of 8% per anum from the date of assignmentto the date of issue , accruing at a daily date of £0.51, but limited to one year,being £173
What is the total value of the claim?
Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC
Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred?
We moved to this address July 2018
Did you inform the claimant of your change of address?
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?
When did you enter into the original agreement before or after April 2007 ?
Do you recall how you entered into the agreement...On line /In branch/By post ?
Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?
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.
Were you aware the account had been assigned – did you receive a Notice of Assignment?
Did you receive a Default Notice from the original creditor?
Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ?
Why did you cease payments?
What was the date of your last payment?
Was there a dispute with the original creditor that remains unresolved?
Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?
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