Lowell’s letter of intent

[Amethyst]

Okay sounds like they are giving you opportunity to amend the defence as it was obviously put in in error - this is the basic example - Example Defence

which covers your having sent a CCA Request and CPR 31.14 request.

Did they email you ( the court ) or send a letter ? any chance you could paste it up on here ( without your personal details ) ?

[Diana M]

i have sent my cca and cpr31.4 request, waiting for response

You only received the claim on Saturday and sent the CCA and CPR 31.14 Requests yesterday (or maybe Monday?) so if you have filed your AOS you would have 33 days from the claim Issue Date to file your defence to reflect any response you get (or not) from the Claimant and/or from the Solicitors.

Did you file your AOS stating you intend to defend all of the claim?

Call the court (NCCBC) in the morning to establish the situation and any new deadline for amending your Defence (if that's what you have done).

Di

[hawaiiqueen]

Okay sounds like they are giving you opportunity to amend the defence as it was obviously put in in error - this is the basic example - Example Defence

which covers your having sent a CCA Request and CPR 31.14 request.

Did they email you ( the court ) or send a letter ? any chance you could paste it up on here ( without your personal details ) ?

Hi I sent the form by email,with attachment,, which they returned saying give reasons for disputing claim in section 3 of N9B Defence form, I shall send pic of form with what I put.
cheers

[Diana M]

You've filed a Defence albeit a brief one.

I saw one the other day that simply said "I don't owe any money" which the court didn't return before serving it on the other party so the Defendant had to pay to amend it.

It's a good thing that they have returned it to you but check with the court when the deadline for filing will now be.

Di

[hawaiiqueen]

You've filed a Defence albeit a brief one.

I saw one the other day that simply said "I don't owe any money" which the court didn't return before serving it on the other party so the Defendant had to pay to amend it.

It's a good thing that they have returned it to you but check with the court when the deadline for filing will now be.

Di

So do you think if I add in the reply box I don’t owe the debt,,it might help and not get returned.
fingers crossed
cheers

[Amethyst]

No, have a look here ->>> this is the basic example - Example Defence

Whatever you put now will be your defence in court, I doubt they will return it to you again and if it isn't a full defence then you are likely to have to apply to amend ( and pay £255 for the priviledge) later on or just risk having your defence struck out. There are rules on what a defence should contain which you can find here - https://www.justice.gov.uk/courts/pr...es/part16#16.5

Your primary defence at the moment is that you have asked to evidence of the debt and they have failed to provide it, so you aren't in a position to plead fully at the moment. Did you actually put you admitted part of the debt on that defence form or was that just in response to their letter before claim previously ?

[hawaiiqueen]

No, have a look here ->>> this is the basic example - Example Defence

Whatever you put now will be your defence in court, I doubt they will return it to you again and if it isn't a full defence then you are likely to have to apply to amend ( and pay £255 for the priviledge) later on or just risk having your defence struck out. There are rules on what a defence should contain which you can find here - https://www.justice.gov.uk/courts/pr...es/part16#16.5

Your primary defence at the moment is that you have asked to evidence of the debt and they have failed to provide it, so you aren't in a position to plead fully at the moment. Did you actually put you admitted part of the debt on that defence form or was that just in response to their letter before claim previously ?

No just in the letter before claim, I offered to pay part of it, on the condition it cleared it. I filed a full defence on the court paper,,
as they didn’t produce the agreement I asked for.
To be truthful I have no intention of letting this get to court,, I just don’t see why they should get away with bullying everyone who is struggling in life, and the debt is not even there’s,, and on top of that, they get away with doing it,,
SORRY about the rant!

Without you you and this site they would be getting away with a lot more,, Lowell’s low Life.
so glad your here.. and thank goodness
Anyway have to try and get this defence accepted.
cheers

,,

[Diana M]

So do you think if I add in the reply box I don’t owe the debt,,it might help and not get returned.

Definitely not. What I meant is you're lucky that the court has returned your Defence so you can amend it, unlike the other poor person who didn't get their Defence returned.

As I've said, check with the court for the deadline to file your Defence and ask them to put that in an email.

You also need to say (I have asked ) whether you filed your AOS otherwise you're at risk of a Default Judgment after 19 days from the claim Issue Date if you didn't.

Di

[hawaiiqueen]

Definitely not. What I meant is you're lucky that the court has returned your Defence so you can amend it, unlike the other poor person who didn't get their Defence returned.

As I've said, check with the court for the deadline to file your Defence and ask them to put that in an email.

You also need to say (I have asked ) whether you filed your AOS otherwise you're at risk of a Default Judgment after 19 days from the claim Issue Date if you didn't.

Di

Hi again,,
thank you for your replys, but again could I ask for some guidance,, I finally got my defence through on 3rd may,,.
i have not received any documents regarding cca or cpr.31.14 which I requested around 1st may. from Lowell’s.
i have received a copy of a Directions questionnaire form, that Lowell’s say they sent to the courts and I should receive one from the court for me to fill in.. of yet I have not received that form.. that was dated 9th may from Lowell’s
Does this mean that Lowell’s are going to go ahead with the claim.?
Also if, or when this form comes should I tick I agree to mediation, if I tick in agreement to mediation is that not an admission of owing the debt,,
Thank you for your help

[hawaiiqueen]

Hi just a quick update,, Lowell’s have still not complied with cca or cpr3.14,, but have today submitted there dq form to court.
i am wondering how can they press on with court, my only defence is proof of debt, which they haven’t yet done..totally confused..
thank you all again you’re ⭐️S

[hawaiiqueen]

Hi just a quick update,, Lowell’s have still not complied with cca or cpr3.14,, but have today submitted there dq form to court.
i am wondering how can they press on with court, my only defence is proof of debt, which they haven’t yet done..totally confused..
thank you all again you’re ⭐️S

Hi again,, I am really confused and concerned, each day I am waiting for post, but nothing is arriving from the court,as Lowell’s say I will,receive a directions questionnaire form from the court,, they said this on 9th May,, they submitted their directions questionnaire form to court on 22nd May,, and have not got mine from the court like Lowell’s said I would,,
i also have not had any response regarding cca and cpr.14.31.
please please would someone try and give their thoughts and advise with situation
please help and thank you

[hawaiiqueen]

Hi again,, I am really confused and concerned, each day I am waiting for post, but nothing is arriving from the court,as Lowell’s say I will,receive a directions questionnaire form from the court,, they said this on 9th May,, they submitted their directions questionnaire form to court on 22nd May,, and have not got mine from the court like Lowell’s said I would,,
i also have not had any response regarding cca and cpr.14.31.
please please would someone try and give their thoughts and advise with situation
please help and thank you

Hi starting to get a bit concerned now and worried that I have done something unintentionally wrong to someone as nobody is replying to my questions,, if I have offended anyone I am truly sorry, and genuinely didn’t mean to..
Anyway the situation is still the same,, not heard anything from court regarding directions questionnaire, they are supposed to have sent for me to fill in.
Also Lowell’s have still not complied with cca or cpr.14.31.
please help, as I’m sure I should have had the form from court by now as Lowell’s submitted theirs form on 22 May.
should I contact court to see if they have sent it, and it’s not arrived.
Please help.
Cheers and thanks

[hawaiiqueen]

Just realised am I writing in the wrong box,, please read above if I am..
thank you..

[MIKE770]

Lowells will press on (read the threads) they hope you cave in, we have just been over a weekend so many people have families etc to deal with, so do not fret, lowells policy is badger them in the hope they get fed up and pay Our Ill Gotten Gains (the dirty DCA Business), they are still out standing your request , just follow any court instruction not lowells. sure peeps will advise also

[MIKE770]

ring the court and mention the lowells DG and you have not received one, lowells do that all part of their intimidation tactics.