Lowell and Provident

**Amethyst** · 4th September 2018, 15:08:PM

Okay you sound like you have managed fine and done everything right up to this point. Did you include statute barred in your defence at all ?

The Directions Questionnaire came straighr from Lowell ? - as you filed your defence 1st July and it's now September, it is likely the case is actually stayed with the court, and Lowell will need to apply to lift the stay before Directions Questionnaire will be sent out by the court. Lowell like to send their own DQ out early, personally I think it's an intimidation tactic, but could just be not knowing their arse from their elbow.

So what you need to do is call the court - Northampton CCBC - one of these numbers - be warned, they are tediously slow to answer...

County Court Business Centre (CCBC):

0300 123 1056

Money Claim Online (MCOL):

0300 123 1057

and ask them the current status of the claim ( so have the claim number handy ). You can mention to them you are a bit confused as you have received a Directions Questionnaire from the Claimant but haven't been sent one by the court at all. They should make a note, and tell you what's currently happening with the claim.

Let me know what they say ( you'll have to ring tmw as they knock off at 4pm )

Also... back to the actual claim .... did you have a provident loan in 2012 ? and did you have two loans - or just the one, and was there any rollover/concilliation of loans as far as you recall ?

**Lambretta** · 4th September 2018, 16:53:PM

Hiya although it’s really near to statuted barred or it may even be until I get the paperwork to confirm dates I couldn’t use it. The direction questionnaire did come from lowell however I have received a letter from the court saying
it is ordered that the defendant is ordered to return the questionnaire within 7 days and signposting me where I can download the form.
what is also confusing me is on 13th July I received an acknowledgment letter from court for receipt of my defence. It states” the claimant may contact you direct to attempt to resolve the dispute, if it can not be resolved informally the claimant will inform the court he wishes to proceed. Where he wishes to proceed, the claimant must contact court within 28 days after receiving a copy of my defence. After that period the claim will be stayed, and the only action the claimant can take is to apply to a judge for an order lifting the stay”.
just feel so confused, as Lowell appear to be ignoring all the information I requested.

I am sure there was roll over and consilliation of loans.

**Amethyst** · 4th September 2018, 17:02:PM

Okay, it might be a court side delay inbetween Lowell responding to the court after the defence and them sending out the Directions Questionnaires.

So yes, as you have an order from the court you do need to complete the Directions Questionnaire. It should be pretty straightforward but there's a bit of a guide here HOW TO COMPLETE AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) FORM?

Once done you should send a copy to the claimant as well. Yes it is best to just tick yes to mediation - if they don't get the documents sorted by the time that comes around it won't go ahead.

I'd recommend sending a SAR to Provident for all info they hold on you Subject Access Request Letter

It may well come in useful later.

**Lambretta** · 3rd October 2018, 16:46:PM

Hiya I now have received an email from mediation asking for me to contact them to arrange a phone call. I still have not received any information from Lowell as requested and provident have ignored the SAR request I sent. I have written to Lowell reminding them they have not responded but it appears they are ignoring me.... help what do I do next...

**Lambretta** · 14th November 2018, 15:13:PM

Hi
just an update I sent the SAR to provident still heard nothing back, plus Lowell have still not sent me any documentation despite me following all the procedures that you recommend but they cashed my £1.00 cheque help I don’t know what to do next

Lowell and Provident