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  • GUIDES & LETTERS

    Shortcuts for Consumer Credit Court Claims.

    Check your dates || PRE-ACTION || First Steps || Acknowledge a Claim || Guides || Example Defence || CCA Request Letter || CPR 31.14 Request Letter || Set Aside Application || Subject Access Request Letter

    If you received a court claim and want to start a new thread in this forum please read THIS POST about your first steps and make a new thread in the forum using THIS FORM.

    PLEASE DO NOT SEND THINGS WITHOUT READING THEM FIRST. IF YOU DO NOT UNDERSTAND SOMETHING - ASK !! - We LIKE QUESTIONS !!!

    We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
    If your case is over 10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.

    NOTE: If you receive a court claim note these dates in your calendar ...
    Acknowledge Claim - within 14 days from Service
    Defend Claim - within 28 days from Service (IF you acknowledged in time)
    If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.

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dj0nes v. Lowell/Carter

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  • dj0nes v. Lowell/Carter

    Hi All,

    Debt cost: 1,360 plus fees

    Brief background:
    I received a claim from from Carters on behalf of Lowell who are dealing with a alleged Lloyds overdraft
    To summarise I completed the online Moneyclaim procedure and filed my defense on the 11th November citing that Carter needs to provide evidence I actually owe this debt. It appears to be just in time and not SB so it will come down to whether or not they can provide the paperwork as to whether or not they get any money out of me.


    I am trying to workout what is occuring as it's now obviously December and I've not heard nothing it will be a month next week that my defense was filed.
    I tried to speak to Carter who said I need to contact, Lowell said it's actually being handled by Fredricksons then the idiot I spoke to at Fredricksons transferred me directly to Carters who this time then told me they didn't know anymore.

    So I'm lost really and I didn't even know Fredrickson was even involved until now.

    Is there a time limit that the court or the claimants have to adhere to in order to reply to the defense request or decide to drop the claim? As far as I am concerned I've defended myself and now it seems like I've got to wait on the claimant for their next move given them plenty of time to go back to Lloyds and look for paperwork which is obviously not what I want.

    Cheers
    Tags: None

  • #2
    Re: dj0nes v. Lowell/Carter

    Hi All,

    Just an update on this one this claim was struck out earlier this month by the district Judge as the clowns at Lowell not only failed to disclose any evidence I owed the debt they also didn't turn up for the hearing.

    What's my next steps? The debt is 6 years old in a couple of months. It took me a lot of time and effort to defend this claim including lots of wasted hours on the phone to them and their various companies trying to get any evidence that I owe this money.

    What is the best way to proceed with claiming costs against these?

    Comment


    • #3
      Re: dj0nes v. Lowell/Carter

      [MENTION=6]Amethyst[/MENTION] ??
      Debt is like any other trap, easy enough to get into, but hard enough to get out of.

      It doesn't matter where your journey begins, so long as you begin it...

      recte agens confido

      ~~~~~

      Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

      I can be emailed if you need my help loading pictures/documents to your thread. My email address is kati@legalbeagles.info
      But please include a link to your thread so I know who you are.

      Specialist advice can be sought via our sister site JustBeagle

      Comment

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