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Good morning everyone,
Please l need your help, l have a loan that l took from Lloydtsb in 2007, l maintain the payment until 2010 when l lost my job. I went to Citizens berau , they advised me that l was living beyond my income, they wrote to my creditors that l can only afford to pay a pound until my circumstances change. I paid the £1 up that until I couldn’t afford as l lost my home, then l stopped paying in 2013 l believe. Lowell wrote me a letter in November 2019, stating that l owed their client some money, they are taking me to court. I requested for the proof of credit to be sent within 12 working days, they delayed sending the info back until 19 th of January 2020.The information they sent showed my agreement but the payment statements *are up until December 2010. Because of what the sent, *l wrote back a the letter stating that my credit was statutory burred. They sent another stating that l stopped paying £5 in 2014 in March , but no statement of account was sent to me proving that, and they started their court proceedings in November 2019, the credit is not statutory burred...., therefore l should pay*
£100 before 17th of March to avoid court proceedings. My question is do they have a right to take me to court without *proof of my last payments? I am also a full time student, l don’t have any extra money to pay , they are threatening to send bailiffs, taking *money from my employer, but l am not working Please help, what do l do next ! any help will be much appreciated.
Thank all in advance
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Please l need your help, l have a loan that l took from Lloydtsb in 2007, l maintain the payment until 2010 when l lost my job. I went to Citizens berau , they advised me that l was living beyond my income, they wrote to my creditors that l can only afford to pay a pound until my circumstances change. I paid the £1 up that until I couldn’t afford as l lost my home, then l stopped paying in 2013 l believe. Lowell wrote me a letter in November 2019, stating that l owed their client some money, they are taking me to court. I requested for the proof of credit to be sent within 12 working days, they delayed sending the info back until 19 th of January 2020.The information they sent showed my agreement but the payment statements *are up until December 2010. Because of what the sent, *l wrote back a the letter stating that my credit was statutory burred. They sent another stating that l stopped paying £5 in 2014 in March , but no statement of account was sent to me proving that, and they started their court proceedings in November 2019, the credit is not statutory burred...., therefore l should pay*
£100 before 17th of March to avoid court proceedings. My question is do they have a right to take me to court without *proof of my last payments? I am also a full time student, l don’t have any extra money to pay , they are threatening to send bailiffs, taking *money from my employer, but l am not working Please help, what do l do next ! any help will be much appreciated.
Thank all in advance
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