Claim form - civil national business centre

[Sazzle321]

Sorry again for sounding stupid but the CPR 31.14 I am filling in (given from the link above) says creditor name address and account number. Is that the claimants name-Lowell or the address given for sending documents - Overdales. Also the account number, as there are 3 particulars of the claim do I use those reference numbers or is it the claim number I put in here? Sorry for being a pain

[echat11]

Does that include CPR 31.14 I send to the solicitors? If they don’t reply do I carry on with my defence?

Yes, you state that in your Defence.

[Sazzle321]

Hi all so I sent off the SAR (& £1 P.O) and the CPR 31.14. And today I have received 3 emails from Lowell (the claimant) saying Thankyou for you 33p payment for each of the original creditors and asking me if I want to set a payment plan up?? I’m really confused as I thought the £1 P.O I included was for them to send me information. What should I do now??

[echat11]

Hi all so I sent off the SAR (& £1 P.O) and the CPR 31.14. And today I have received 3 emails from Lowell (the claimant) saying Thankyou for you 33p payment for each of the original creditors and asking me if I want to set a payment plan up?? I’m really confused as I thought the £1 P.O I included was for them to send me information. What should I do now??

You don't need to send off any monies with the SAR request.

On their (Lowell's) website follow their complaints procedure. State that the £1 was sent in error and it wasn't a payment, they are fully aware of that. Explain that if the matter isn't resolved satisfactorily, then a complaint will lodged with the Financial Conduct Authority and the Financial Ombudsman Service.

They are just trying to be 'clever & cheeky' at the same time.

[Sazzle321]

Ok Thankyou. I got hopeful that if I set up a payment plan for the 3 debts with Lowell it wouldn’t go to court, but that must not be the case.

[Sazzle321]

Sorry just realised it was the CCA request I sent to Lowell not a SAR

[echat11]

Sorry just realised it was the CCA request I sent to Lowell not a SAR

The £1 was for the CCA Request, what they sometimes do is return the £1 fee. If you have 3 account's that would be £3.

That £1 fee isn't a payment, that is what they say, they have used it for.

You need to find out what is what i.e. have they sent a compliant CCA etc, before you decide what to do next.

[Sazzle321]

They appear to have split the £1 between the 3 accounts. Do I contact Lowell to find out if they have sent the CCA? I’m really confused as to why they have done that and then asking me to set a payment plan up..which I would be happy to do if it didn’t go to court. I’m a bit brain fried with it all

[echat11]

They appear to have split the £1 between the 3 accounts. Do I contact Lowell to find out if they have sent the CCA? I’m really confused as to why they have done that and then asking me to set a payment plan up..which I would be happy to do if it didn’t go to court. I’m a bit brain fried with it all

Court (Hearing) is a very long, long way off.

You need to do as advised in post 19, posting the same thing over again is 'unhelpful'.

[Sazzle321]

Ok Thankyou and sorry. All this legal stuff is very much beyond me and confuses me

[echat11]

Update when Lowell's responds.

Sometimes posters are actually more capable then they believe they are.

[Sazzle321]

Lowell’s response is they have sent the request to overdales to acknowledge request as the debt is assigned to them. They were about as helpful as a chocolate tea pot

[JK2054]

well what were you expecting? it is lowells after all

[Sazzle321]

Do I need to contact overdales now? I’m so confused. I thought Lowell would have to send me the compliant CCA so why did they send it to overdales?

[echat11]

Lowell’s response is they have sent the request to overdales to acknowledge request as the debt is assigned to them. They were about as helpful as a chocolate tea pot

Update when Overdales responds.