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Hello everyone, I'm new to this site. I'm currently going through a court case with Lowell Portfolio, who are petioning to bankrupt me, my origional debt was with Very (shop direct) who sold the debt on the 2/6/12 to lowell perfolio who have instructed BW Legal debt recovery solicitors for the sum of £6818.99, the original balance with Very was £6563.99. I first attended canterbury county court on the 12/6/13 and the judge requested that the petitioning creditor shall send to the court and to the debtor by 4pm on the 10/7/13 copies of
1) The original credit agreement upon which the petition is based on
2) The notice of assignment of the debt to the petitioning creditor and any covering letter
3) Any statements showing how the petition debt is calculated
I received a copy of the original credit agreement on the 1/8/13 and copies of notice of assignment on 15/8/13.
I attended the second hearing on the 30/8/13 to which the judge asked if all 3 documents had been provided, the solicitors replied no, just the statements showing how the debt is calculated wasn't provided, the judge at, which was a different judge to the one who had requested the 3 documents by said time and date, said she wasn't interested that the documents were late when I mentioned they wasn't sent in time requested by the previous judge, she adjourned the hearing to give the solicitors time to get the copies of the statements calculating the debt.
This is where I stand at the moment, I have a house with a mortgage that they are after, so they can sell it for next to nothing just so they get there money, which means I'll lose my hard earnt equity, and me and my daughter will be left with nothing and nowhere to live, also I have a disability which will cause even greater distress if they take my house. At the last court hearing the judge said it was to be adjourned for a further 28 days, so that the creditors have time to get the requested info, but I got a hearing date for the 22/11/13, so I feel that somehow I'm being stitched up, and it's with the second judge again, who, at the last hearing told me that I will be bankrupt, wether it's today or at the next hearing, she obviously was taking advantage of the fact that I was'nt being represented, the comment was intimidating and threatening.
I was hoping that someone on here would get excited about this case and be able to help.
Thank you.
1) The original credit agreement upon which the petition is based on
2) The notice of assignment of the debt to the petitioning creditor and any covering letter
3) Any statements showing how the petition debt is calculated
I received a copy of the original credit agreement on the 1/8/13 and copies of notice of assignment on 15/8/13.
I attended the second hearing on the 30/8/13 to which the judge asked if all 3 documents had been provided, the solicitors replied no, just the statements showing how the debt is calculated wasn't provided, the judge at, which was a different judge to the one who had requested the 3 documents by said time and date, said she wasn't interested that the documents were late when I mentioned they wasn't sent in time requested by the previous judge, she adjourned the hearing to give the solicitors time to get the copies of the statements calculating the debt.
This is where I stand at the moment, I have a house with a mortgage that they are after, so they can sell it for next to nothing just so they get there money, which means I'll lose my hard earnt equity, and me and my daughter will be left with nothing and nowhere to live, also I have a disability which will cause even greater distress if they take my house. At the last court hearing the judge said it was to be adjourned for a further 28 days, so that the creditors have time to get the requested info, but I got a hearing date for the 22/11/13, so I feel that somehow I'm being stitched up, and it's with the second judge again, who, at the last hearing told me that I will be bankrupt, wether it's today or at the next hearing, she obviously was taking advantage of the fact that I was'nt being represented, the comment was intimidating and threatening.
I was hoping that someone on here would get excited about this case and be able to help.
Thank you.
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