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Thread: court claim from lowell for provident. plz help

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  1. #126
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    Default Re: court claim from lowell for provident. plz help

    Hi
    I absolutely agree with charity about not mentioning the SAR in your defence as it wasn't relevant however the contents of it may be relevant if you get to doing a witness statement - but we can cross that bridge if and when

    I also worry about the SB indicator as it is 6 years- so even if it was based on your last payment , that would have had to have been before the date of the claim in 2011 and frankly I think that is unlikely to have been the cause of action.

  2. #127
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    Default Re: court claim from lowell for provident. plz help

    I have to ask, are you absolutely sure it was a provident doorstep loan because you must have been paying something like £100 per week back which to me would be complete irresponsible lending

    Have Lowell come back with anything for your CCA request or your CPR request or has provident come back with your SAR details?

    I am getting confused although that doesn't take a lot

  3. #128
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    Default Re: court claim from lowell for provident. plz help

    @warwick65 yrs it was defiantly provident and i think at the time we was paying about 180 a week. Please don't shoot me down. We were managing a pub at the time had no out going I.e rent water elect. So was ok until we split . And no had absolutely nothing from either provident or Lowell. Just the normal we have 40 days to provide stuff.

    - - - Updated - - -
    @warwick65 and sorry not sure what u mean about the statue barred bit.
    I'm always confused lol . It's certainly doesn't take a lot for me. Thanks hun for ur help

  4. #129
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    Default Re: court claim from lowell for provident. plz help

    Hi Flicky

    I am not passing judgement on anyone- hell if you knew my history , I am the last one to do that

    What I was saying about SB is that as the claim was dated April 2017 and limitations is 6 years , the start of that limitations period would have been before April 2011 . If you were paying in May 2011 it could not be SB and if you were paying even in march 2011 it is unlikely they would have been able to start court action before at least may , hence no SB.

    SB is very complicated and really has little to do with if the debt appears on your credit file , non of my provident debts do appear on my credit file and i am not sure S87(1) default notices were ever issued because they were fixed term loans and they were allowed to run the full term

    Hope that helps

  5. #130
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    Default Re: court claim from lowell for provident. plz help

    hi guys just filling out the form to send back. where it says about witnesses do i put 0 or 1 lol . also do i have to send s copy to Lowell.

  6. #131
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    Default Re: court claim from lowell for provident. plz help

    I believe you put 1 for the witness-you

    You should indeed send one to the solicitors and one to the court

  7. #132
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    Default Re: court claim from lowell for provident. plz help

    1 that is you!

  8. #133
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    Default Re: court claim from lowell for provident. plz help

    thanks guys. I'll put in the post tomorrow x

  9. #134
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    Default Re: court claim from lowell for provident. plz help

    hi guys.
    just to keep you updated I sent back the form to the court.
    received a letter a couple of days ago saying it was going to mediation so I rang them and told them that I would go to mediation however I'm not sure on what I'm defending as I have had no response to any requests I have sent Lowell. so the lady I spoke to said that they wouldn't be able to go ahead with mediation and would probably be sent now to local court.

    I really really don't want to go to court. but I guess it's just wait and see again at the moment
    thank u all for all your help so far. much appreciated.

  10. #135
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    Default Re: court claim from lowell for provident. plz help

    Maybe that was a tactical error although I undestand the need to be proactive. For a claim of 5k it is unlikely they will blink just yet. Next stage would be allocation to local court then witness statements. My allocation was mid may and witness statements are not due yet so it takes time

  11. #136
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    Default Re: court claim from lowell for provident. plz help

    @warwick65 thank you hun . I'm surprised really as I wrote to provident too and have had nothing back from them either. let hope the fold before it goes to court. I'm kinda hoping that as they've not sent me anything they won't produce anything in court. well here's hoping lol.

  12. #137
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    Default Re: court claim from lowell for provident. plz help

    I can't remember who, but one dca were unable to fulfil my cca request and closed my account. I wish you luck

    If it gets to WS a killer WS might see them off the

  13. #138
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    Default Re: court claim from lowell for provident. plz help

    @warwick65
    sorry hun I'm not sure what u said lol
    being a bit thick today lol xx

  14. #139
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    Default Re: court claim from lowell for provident. plz help

    I was saying that I had a provident loan and when I sent a CCA request off they were only able to produce part of it ( they produced the front copy but on there it referred to terms and conditions overleaf but they didn't send those bits- that would have made it unenforeceable in court . They closed my account
    Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
    I have no formal legal training
    Any advice is offered without liability
    If in doubt take professional legal advice or contact the CAB

  15. #140
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    Default Re: court claim from lowell for provident. plz help

    aww ok that's great lol let's hope the gods are looking out for me lol. i had confirmation from Northampton today to say it's being transferred to local court. I just hate the no5 knowing. if they don't have any paperwork why don't they just say lol.

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