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gibster1957

Lowell Claimform - HBOS credit Card

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Hello everyone,

I have just received a letter of claim from lowells asking me to fill in a form from preventing legal action.

I have 30 days to do this.

 

The debt is for a credit card and I was paying a token sum till may 2016.

The debt has done the rounds with wescot/ moorcroft/ csl and now lowells with some offering a discount if paid off.

 

My question is,

do I ignore it or send them a cca request as the last thing I want is a ccj as my credit is now good.

 

Any advice would be appreciated

Edited by dx100uk
spacing

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I have downloaded and completed the PAP form and will send off to Lowell solicitors. As far as the CCA goes, do i send it to them or directly to Lowell?.

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So today after a few "keeping me informed" letters, I have received a copy of the agreement and a statement of all transactions and an oft default notice .

They have now given me 30 days to make an arrangement with them or they will continue their pre action process which could result in a claim form being issued.

Any advice would be appreciated.

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Scan redact and upload what they sent you. (1 current statement will suffice)

 

Andy


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So this is the letter showing outstanding balance sent with previously mentioned documents. Do i make an offer of a token payment as i dont want a ccj as my credit is now good?

20190317_124011.jpg

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And the documents ..Agreement /default notice


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Thats not a Default Notice issued pursuent to section 87(1) of the CCA 1974...and I cant read the agreement upload......have you not got a scanner and upload it as a PDF file ?


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 The National Consumer Service

 

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Hi Andy, that is the only thing they sent regarding the default. I will try and post the agreement once i can get to a scanner. Many thanks.

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They will have to go back to the original creditor to get the proper default notice, this is just one of their computer system fields that they can alter at a whim

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retitled and moved to HBOS forum

 

wheres the rest of the CCA etc..?

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Hi dx, the only other page was all of my personal information.

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should be loads of sheets of t&c's

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Definitely not dx, just transaction statements, signed agreement and an oft default sheet of paper.

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So do i go back to them and ask for full cca and original default notice. They gave me 30 days to respond which is soon. Many Thanks

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You cant request the Default Notice until they issue a claim...dont go back informing them the agreement is incomplete...obviously what they have sent is all they have.


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 The National Consumer Service

 

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So bide my time Andy? As i stated previously my credit is now good and i dont want to damage it .Thanks

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I would...if they are going to issue a claim then they will no matter how much prodding you give them now.....we can deal with the claim as and when.


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 The National Consumer Service

 

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Ok, will see what happens. Thanks for your help.

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yep, they have to comply or they cant do court. If they issue a summons before they fulfil the full requirements it will be kicked out when you challenge it on that basis.

however, they are not immune from telling lies or making mistakes as they would prefer it to be called.

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Hi all,

today I have received the claim form issued 2nd April,

now just wondering where I go from here.

 

My thoughts are to send in the Acknowledgement of service  and defend all of the claim but as I haven't done anything like this before any help would be appreciated.

 

Thanks guys.

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