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** DISCONTINUED ** Lowell Portfolio for Everything Everywhere by BW Legal!
Received a claim? Yes
Issue Date: 21/09/2018
Have you Acknowledged the Claim? No
Total Amount Claimed: £848.92
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: BW Legal
Original Creditor: Everything Everywhere Ltd
Original Debt (eg. Credit card/Loan/Overdraft) : Mobile Telecoms Agreement
Particulars of Claim:
the claimant's claim is for the sum of
£664.02 being monies due from the
defendant to the claimant under a
non-regulated
Mobile Telecoms
agreement between the Defendant and
Everything Everywhere Limited
Under account reference xxxxxxxx
and assigned to the claimant on 21/12/2016
notice of which has been given to the
Defendant.
The Defendant failed to maintain the
contractual payment under the terms of the
agreement and a default notice has been
served and not complied with.
The claim also includes statutory interest
pursuant to section 69 of the county courts
act 1984 at a rate of 8.00% per annum ( a
daily rate of £0.15 from the date of
assignment of the agreement to
21/12/2017 being an amount of £54.90.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Possible.
List any letters you have sent :
Any Other Information or Background Details:
I think this dates to a mobile phone contract I took out in 2012 or very early 2013 for an employee of my company. Due to urgency I took out the phone under my name personally instead following the usual company channels. The company went into insolvency a couple of months later and it looks like this debt slipped through the cracks and wasn’t dealt with by the insolvency practitioner. I presume payments stopped being made for the phone when the bank received notice from the insolvency practitioner about the insolvency and closed my personal and business bank accounts. There could not have been more than 1 or 2 monthly payments ever made if this relates to the phone I think it does.
There was a lot of other things that needed tying up at the time – I had lost a successful company that I had built up over 8 years which employed 20 people, my marriage broke down and wife left with my baby daughter all at the same time! So, I probably failed to inform the insolvency practitioner about this phone debt and so it got left. I vaguely remember getting the occasional letter about this over the years, but as I never knew who Everything Everywhere was and certainly never took a phone out with them (I now believe the original contract was with Orange mobile phones) I never addressed it. There were a number of little debts that followed me out of that business and one or two very large ones so getting threatening letters from random companies was very much normal and unfortunately still is.
Any help anyone can provide about responding to this claim or making a defense would be very much appreciated!
Issue Date: 21/09/2018
Have you Acknowledged the Claim? No
Total Amount Claimed: £848.92
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: BW Legal
Original Creditor: Everything Everywhere Ltd
Original Debt (eg. Credit card/Loan/Overdraft) : Mobile Telecoms Agreement
Particulars of Claim:
the claimant's claim is for the sum of
£664.02 being monies due from the
defendant to the claimant under a
non-regulated
Mobile Telecoms
agreement between the Defendant and
Everything Everywhere Limited
Under account reference xxxxxxxx
and assigned to the claimant on 21/12/2016
notice of which has been given to the
Defendant.
The Defendant failed to maintain the
contractual payment under the terms of the
agreement and a default notice has been
served and not complied with.
The claim also includes statutory interest
pursuant to section 69 of the county courts
act 1984 at a rate of 8.00% per annum ( a
daily rate of £0.15 from the date of
assignment of the agreement to
21/12/2017 being an amount of £54.90.
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Possible.
List any letters you have sent :
Any Other Information or Background Details:
I think this dates to a mobile phone contract I took out in 2012 or very early 2013 for an employee of my company. Due to urgency I took out the phone under my name personally instead following the usual company channels. The company went into insolvency a couple of months later and it looks like this debt slipped through the cracks and wasn’t dealt with by the insolvency practitioner. I presume payments stopped being made for the phone when the bank received notice from the insolvency practitioner about the insolvency and closed my personal and business bank accounts. There could not have been more than 1 or 2 monthly payments ever made if this relates to the phone I think it does.
There was a lot of other things that needed tying up at the time – I had lost a successful company that I had built up over 8 years which employed 20 people, my marriage broke down and wife left with my baby daughter all at the same time! So, I probably failed to inform the insolvency practitioner about this phone debt and so it got left. I vaguely remember getting the occasional letter about this over the years, but as I never knew who Everything Everywhere was and certainly never took a phone out with them (I now believe the original contract was with Orange mobile phones) I never addressed it. There were a number of little debts that followed me out of that business and one or two very large ones so getting threatening letters from random companies was very much normal and unfortunately still is.
Any help anyone can provide about responding to this claim or making a defense would be very much appreciated!
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