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Good morning all.
I have found this site really helpful in defending claims against DCA's in the past with some excellent knowledge but need some guidance in a court claim from Lowell especially as this is the first overdraft claim I am defending.
Quick overview..
Lloyds overdraft up to £3000 with charges and fees added in defaulted around 2013 but still adding interest and charges although I asked them to halt the interest.
Sold to Lowell in 2015
Had a few letters from Lowell so I sent them prove it letter and do not acknowledge debt
Northampton court claim dated 5th Feb for the following :
The poc is as follows :
Author Document
Debt assigned on 24/11/15 by Lloyds banking group PLC and the claimant claims
1. 3595.98
2.Statutory interest persuant to section 69 of the county courts act ( 1984) at a rate of 8% per annum from 24/11/2015 to 02/02/18
287.68 and thereafter at a daily rate of 0.79 to date of judgement or sooner payment
Ref ****************** ( their ref number here )
I am going to defend and do the AOS today but was thinking of sending a CPR 31.14 request to the claimant so will this be relevant. I was also going to send a SAR request to claimant today by next day delivery
I know the amount is increasing on a daily basis with Lowell adding interest so also looking at this route for excessive or unfair charges
Any help on the above most appreciated...
I have found this site really helpful in defending claims against DCA's in the past with some excellent knowledge but need some guidance in a court claim from Lowell especially as this is the first overdraft claim I am defending.
Quick overview..
Lloyds overdraft up to £3000 with charges and fees added in defaulted around 2013 but still adding interest and charges although I asked them to halt the interest.
Sold to Lowell in 2015
Had a few letters from Lowell so I sent them prove it letter and do not acknowledge debt
Northampton court claim dated 5th Feb for the following :
The poc is as follows :
Author Document
Debt assigned on 24/11/15 by Lloyds banking group PLC and the claimant claims
1. 3595.98
2.Statutory interest persuant to section 69 of the county courts act ( 1984) at a rate of 8% per annum from 24/11/2015 to 02/02/18
287.68 and thereafter at a daily rate of 0.79 to date of judgement or sooner payment
Ref ****************** ( their ref number here )
I am going to defend and do the AOS today but was thinking of sending a CPR 31.14 request to the claimant so will this be relevant. I was also going to send a SAR request to claimant today by next day delivery
I know the amount is increasing on a daily basis with Lowell adding interest so also looking at this route for excessive or unfair charges
Any help on the above most appreciated...
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