Received a claim? YES
Issue Date: 02 JUL 2018
Have you Acknowledged the Claim?: YES - 13/07/2018 defend all of the claim
Total Amount Claimed: £1744.69 - (£1559.69+105+80)
Claimant’s Name: LOWELL PORTFOLIO LTD
Solicitors Firm: LOWELL SOLICITORS
Original Creditor: LLOYDS TSB
Original Debt (eg. Credit card/Loan/Overdraft) : CREDIT CARD
Particulars of Claim:
1. The Defendant opened a Lloyds (Credit Card) regulated consumer credit account under reference xxxxxxxxxx on 10/09/2003 .('the Agreement').
2. In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated.
3. The Agreement was later assigned to the Claimant on 17/06/2015 and written notice given to the Defendant.
4. Despite repeated requests for payment, the sum of £1,444.16 remains due and outstanding.
And the Claimant claims
a) The said sum of £1,444.16
b) Interest pursuant to s69 Count Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.317, but limited to one year, being £115.53
c) Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
YES I believe its statue Barred - my reason below
1- No Longer shows on my credit file
2- Default date on credit report was 21/12/2010
3- I cannot tell from my bank statements if any payments were made to them but i absolutley believe i did not,
4- I do not believe i acknowledged or paid them anything since it defaulted , unless they used the original CCA funds of £1 to put against the account.
5. The credit record shows no payments since the original default.
List any letters you have sent (eg: CCA/ CPR )
22 JUL CCA LOWELL PORTFOLIO with copy to solicitors and copy email to both.
25 JUL CPR LOWELL SOLICITORS with copy to Portfolio and copy email to both.
25 JUL SAR LOWELL PORTFOLIO with copy to solicitors and copy email to both.
Any Other Information or Background Details:
Around 2010 I had numerous credit cards on interest free only. As they reached the point were they needed clearing , i was unable to do so. They started to add larger and larger sums and interest and changed the interest rates from relatively low to very high. It culminated in me defaulting all of them in one go.
.
I was inundated with numerous letters and credit company. At times multiple companies chasing the same debts. Despite requests for information and previous advice from legal beagles
I sent numerous CCA requests .Virtually none of the debtors responding.
This debtor has not sent any information to me . I appreciate they still may have time to do so.
CURRENT CLAIM
This one has arrived out of the blue after i checked my credit file . I cannot confirm that this is a card of mine but it seems likely as it did show on my credit report in Feb 2015.
I do not remember it , or what is was used for.
Nor can i remember if the balance was made up of charges , interest or fees or what proportion would have been goods or balance transfers.
A. Can i please have some help with the defence and in particular, the defence when they have not sent any information to me.
B. If you think its possible , can i please have help with any form of a counterclaim ,.If its statue barred and they should know that , then i would like to claim for the time and expense of doing all of this particularly the recorded mail i have sent.
Issue Date: 02 JUL 2018
Have you Acknowledged the Claim?: YES - 13/07/2018 defend all of the claim
Total Amount Claimed: £1744.69 - (£1559.69+105+80)
Claimant’s Name: LOWELL PORTFOLIO LTD
Solicitors Firm: LOWELL SOLICITORS
Original Creditor: LLOYDS TSB
Original Debt (eg. Credit card/Loan/Overdraft) : CREDIT CARD
Particulars of Claim:
1. The Defendant opened a Lloyds (Credit Card) regulated consumer credit account under reference xxxxxxxxxx on 10/09/2003 .('the Agreement').
2. In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated.
3. The Agreement was later assigned to the Claimant on 17/06/2015 and written notice given to the Defendant.
4. Despite repeated requests for payment, the sum of £1,444.16 remains due and outstanding.
And the Claimant claims
a) The said sum of £1,444.16
b) Interest pursuant to s69 Count Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.317, but limited to one year, being £115.53
c) Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
YES I believe its statue Barred - my reason below
1- No Longer shows on my credit file
2- Default date on credit report was 21/12/2010
3- I cannot tell from my bank statements if any payments were made to them but i absolutley believe i did not,
4- I do not believe i acknowledged or paid them anything since it defaulted , unless they used the original CCA funds of £1 to put against the account.
5. The credit record shows no payments since the original default.
List any letters you have sent (eg: CCA/ CPR )
22 JUL CCA LOWELL PORTFOLIO with copy to solicitors and copy email to both.
25 JUL CPR LOWELL SOLICITORS with copy to Portfolio and copy email to both.
25 JUL SAR LOWELL PORTFOLIO with copy to solicitors and copy email to both.
Any Other Information or Background Details:
Around 2010 I had numerous credit cards on interest free only. As they reached the point were they needed clearing , i was unable to do so. They started to add larger and larger sums and interest and changed the interest rates from relatively low to very high. It culminated in me defaulting all of them in one go.
.
I was inundated with numerous letters and credit company. At times multiple companies chasing the same debts. Despite requests for information and previous advice from legal beagles
I sent numerous CCA requests .Virtually none of the debtors responding.
This debtor has not sent any information to me . I appreciate they still may have time to do so.
CURRENT CLAIM
This one has arrived out of the blue after i checked my credit file . I cannot confirm that this is a card of mine but it seems likely as it did show on my credit report in Feb 2015.
I do not remember it , or what is was used for.
Nor can i remember if the balance was made up of charges , interest or fees or what proportion would have been goods or balance transfers.
A. Can i please have some help with the defence and in particular, the defence when they have not sent any information to me.
B. If you think its possible , can i please have help with any form of a counterclaim ,.If its statue barred and they should know that , then i would like to claim for the time and expense of doing all of this particularly the recorded mail i have sent.
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