Page 1 of 2 12 LastLast
Results 1 to 25 of 30

Thread: County court claim from Lowell Portfolio for a Studio Gifts debt

  • Share
  • Thread Tools
  • Display
  1. #1
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default County court claim from Lowell Portfolio for a Studio Gifts debt

    Hi I've just received a county court form from county court business centre for a debt according to my credit report I defaulted on in January 2012 the Claimant is Lowell Portfolio limited is this legit ? Or are they trying to frighten me into paying I was in financial difficulty and lost my home at the time of default I asked studio if I could make lower payments but they refused and just kept adding default charges to my account . hope you can advise me guys as im new to all this and first time on a forum
    Cheers
    Attached Images Attached Images

  2. #2
    charitynjw's Avatar

    VIP Member



    Joined
    Sep 2009
    Posts
    11,580
    Mentions
    509 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Hi & welcome to LB.

    Firstly you'll need to acknowledge the claim.
    Defend in full.
    Do not contest jurisdiction.
    Do not enter any dialogue at all in the 'defence' box.
    http://legalbeagles.info/library/gui...y-court-claim/
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  3. #3
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    [QUOTE=charitynjw;749511]Hi & welcome to LB.

    Firstly you'll need to acknowledge the claim.
    Defend in full.
    Do not contest jurisdiction.
    Do not enter any dialogue at all in the 'defence' box.
    http://legalbeagles.info/library/gui...y-court-claim/[/QUOTE

    Thanks for the welcome and the advice much appreciated. I've acknowledged the claim online today will the next step be to send off the letters to Lowell and their solicitors do i just put a blank postal order in ?
    And how long do i have and wait?
    Many thanks

  4. #4
    Kati's Avatar

    LB Team Member



    Joined
    Jun 2014
    Posts
    11,270
    Mentions
    1109 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Leego59 View Post
    Thanks for the welcome and the advice much appreciated. I've acknowledged the claim online today will the next step be to send off the letters to Lowell and their solicitors do i just put a blank postal order in ?
    And how long do i have and wait?
    Many thanks
    cca to the claimant, cpr to the solicitors (links at the top of the page) ... £1 postal order made out to the claimant for the cca xx
    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

  5. #5
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Kati View Post
    cca to the claimant, cpr to the solicitors (links at the top of the page) ... £1 postal order made out to the claimant for the cca xx
    Thanks Kati
    I'll send them off asap, do i just wait then for a reply

  6. #6
    Kati's Avatar

    LB Team Member



    Joined
    Jun 2014
    Posts
    11,270
    Mentions
    1109 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Leego59 View Post
    Thanks Kati
    I'll send them off asap, do i just wait then for a reply
    Keep an eye on the timescales ... your defence is due 33days from the issue date on the claim form.
    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

  7. #7
    charitynjw's Avatar

    VIP Member



    Joined
    Sep 2009
    Posts
    11,580
    Mentions
    509 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    It would be wise to SAR Express Gifts (they trade as Studio).
    http://legalbeagles.info/library/gui...ccess-request/

    • If you would like a copy of your information please write to The Data Protection Officer Express House, Clayton Business Park, Clayton-le-Moor, Accrington, Lancs BB5 5JY enclosing a cheque for £10 made payable to Express Gifts Limited.
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  8. #8
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Kati View Post
    Keep an eye on the timescales ... your defence is due 33days from the issue date on the claim form.
    ok will do. I will keep you updated if thats ok cause i havent got a clue what i do next
    thanks again x

  9. #9
    charitynjw's Avatar

    VIP Member



    Joined
    Sep 2009
    Posts
    11,580
    Mentions
    509 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Leego59 View Post
    ok will do. I will keep you updated if thats ok cause i havent got a clue what i do next
    thanks again x
    See post #7?
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  10. #10
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by charitynjw View Post
    It would be wise to SAR Express Gifts (they trade as Studio).
    http://legalbeagles.info/library/gui...ccess-request/
    will do thanks

  11. #11
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Hi everyone
    Sent off all letters should of landed on their doorsteps on Tuesday, Wednesday (11/12th) at the latest, so they've got 12 days to reply is that right, could you advise me on what my next move will be if they don't, or if they do
    Many thanks

  12. #12
    MIKE770's Avatar

    VIP Member



    Joined
    Apr 2009
    Posts
    5,365
    Mentions
    144 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    SAR Request they have 40 days to respond


    CAA request they have 12 + 2 = 14 days to respond - but if not = not enforceable until they produce but can continue collection activity though


    CPR 31.14 - well they may say on small claims not necessary as many do = BUT = up to allocation it is relevant , but many will not bother at this stage.

  13. #13
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Have received SAR As far as I can see my last payment was on the 18/07/11 and i last comunicated with them in writing on the 11/11/11 they have only sent me a sample of the default notice with no dates on it, I can upload photos if that will help. Today I received a letter from Lowell Solicitors acknowledging my letter they have put the account on hold as they have requested a copy of the original agreement and the default notice from the original creditor can you please advise what I do now
    Many thanks in advance ��

  14. #14
    Amethyst's Avatar

    Site Owner



    Joined
    May 2007
    Posts
    59,808
    Mentions
    1697 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    You will need to still submit your defence ( Example Defence ) by the deadline ( 28 days from service - 33 days from 31st August (date of claim ) )so end of the month should be fine

    Did the SAR have any copy of an agreement in it?

    18/07/11 last payment you could try statute barred - but it's very very tight and with the letter on the 11/11/11 that would likely be classed as acknowledging the debt - however it doesn't hurt to include the paragraph on statute barred in your defence - as the onus of proof is on them.

    What date is the default notice ?
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  15. #15
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Amethyst View Post
    You will need to still submit your defence ( Example Defence ) by the deadline ( 28 days from service - 33 days from 31st August (date of claim ) )so end of the month should be fine

    Did the SAR have any copy of an agreement in it?

    18/07/11 last payment you could try statute barred - but it's very very tight and with the letter on the 11/11/11 that would likely be classed as acknowledging the debt - however it doesn't hurt to include the paragraph on statute barred in your defence - as the onus of proof is on them.

    What date is the default notice ?
    It didn't have a date I will upload pics I've took when u get back home I'm away on holiday abroad from Monday 25th till Sunday 1st do i put my defence forward now

  16. #16
    MIKE770's Avatar

    VIP Member



    Joined
    Apr 2009
    Posts
    5,365
    Mentions
    144 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Tuesday, 3 October 2017 by 4 pm if issue date was 31st August so do it by then or better 24 hrs before the 3rd?


  17. #17
    Amethyst's Avatar

    Site Owner



    Joined
    May 2007
    Posts
    59,808
    Mentions
    1697 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Ahhh the Monday you get back will be fine, but I'd get it all ready to go before your holiday xx
    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

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

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  18. #18
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Thanks will do and I'll upload those pics later
    Thank you

  19. #19
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Amethyst View Post
    Ahhh the Monday you get back will be fine, but I'd get it all ready to go before your holiday xx
    Just had this arrive in the post today
    Attached Images Attached Images

  20. #20
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    If I've received a copy of the credit agreement what section of the defence do i include I'm confused if they deliver all the docs does that mean I'm screwed need advise please
    Thanks

  21. #21
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Leego59 View Post
    If I've received a copy of the credit agreement what section of the defence do i include I'm confused if they deliver all the docs does that mean I'm screwed need advise please
    Thanks
    Hi everyone
    As I said before had a letter off Lowell Solicitors with a copy of the credit agreement they are sending for the default notice please could you advise what I need to do if they produce this do i carry on with the defence? And if so which of the statements would I include in my defence. Also I don't know if this is relevant but the agreement isn't signed have attached photo of agreement
    Thanks for your help
    Attached Images Attached Images

  22. #22
    Leego59's Avatar

    Junior Member



    Joined
    Sep 2017
    Posts
    16
    Mentions
    0 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by Amethyst View Post
    Ahhh the Monday you get back will be fine, but I'd get it all ready to go before your holiday xx
    Hi Amethyst
    Any advice on my last two threads getting a bit panicky now they have supplied an agreement once you say you intend to defend is there no going back?
    Thanks in advance for your help

  23. #23
    charitynjw's Avatar

    VIP Member



    Joined
    Sep 2009
    Posts
    11,580
    Mentions
    509 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Maybe it's just me, but I can't read the agreement that you've posted.

    Btw, take no notice of their 'on hold' rubbish.
    If you do not file your defence on time, you may well get a default judgment against you.
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  24. #24
    MIKE770's Avatar

    VIP Member



    Joined
    Apr 2009
    Posts
    5,365
    Mentions
    144 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    PDF the file so we can read contents

  25. #25
    charitynjw's Avatar

    VIP Member



    Joined
    Sep 2009
    Posts
    11,580
    Mentions
    509 Post(s)

    Default Re: County court claim from Lowell Portfolio for a Studio Gifts debt

    Quote Originally Posted by MIKE770 View Post
    PDF the file so we can read contents
    Morning Mike.

    pdf pdq?
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

Page 1 of 2 12 LastLast

Similar Threads

  1. County Court Claim Form Lowell Portfolio I Ltd
    By DezzyB in forum Received a Court Claim?
    Replies: 40
    : 2nd August 2017, 19:14:PM
  2. Lowell portfolio county court claim on statute barred debt
    By tony26 in forum Received a Court Claim?
    Replies: 21
    : 15th June 2017, 21:50:PM
  3. Replies: 18
    : 29th December 2015, 10:42:AM
  4. lowell portfolio 1 ltd county court claim form
    By woody7211 in forum Received a Court Claim?
    Replies: 23
    : 25th June 2015, 05:56:AM
  5. lowell portfolio 1 ltd county court claim form
    By woody7211 in forum Welcome Forum
    Replies: 1
    : 1st May 2015, 08:08:AM

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  
Contact Us



© Celame (UK) Ltd 2016
Hosted by Lodge Information Services Ltd
LegalBeagles® are DPA Registered No. ZA158014
LegalBeagles® is the trading name of CELAME (UK) LIMITED ( 09220332 )
Registered Address: 25 Moorgate, London, England, EC2R 6AY
VAT registration number 206 9740 02
User Alert System provided by Advanced User Tagging v3.1.3 (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd.
Feedback Buttons provided by Advanced Post Thanks / Like (Lite) - vBulletin Mods & Addons Copyright © 2017 DragonByte Technologies Ltd. Runs best on HiVelocity Hosting.
Celame (UK) Ltd Powered by vBulletin® Version 4.2.3
Copyright © 2017 vBulletin Solutions, Inc. All rights reserved.

To find out more about managing your money and getting free advice, visit the Money Advice Service,an independent service set up to help people manage their money.

TOP