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Hi all.
Not sure if I stand a chance but really need some assistance before I make a set-aside application. I probably should have come here first when it was all going on but I had a very ill daughter to care for at the time.
Lowell issued a claim allegedly for an old Capital One account in July this year. I did AOS by post and also requested inspection of docs under CPR 31.14. I didn't hear anything from them and wrote to them again reminding them of the request. They finally responded in August after they had obtained judgement in default as I hadn't submitted a defence. They stated that they hadn't received my requests (WTF) but as guesture of goodwill would seek the information from their client.
At the time my daughter was very ill in hospital and I was spending 10 hour days caring for her whilst she was there and then just as long when she was finally allowed home.
To date they have sent a copy of a credit agreement from Capital One and some statements but they have not sent my the Notice of Assignment or Default Notice that I requested.
Should I apply for a set-aside based on the fact that they didn't comply with my request?
My head hurts and it's been a stressful time. Daughter is finally on the mend and my credit history is almost clear, so getting this blot has been demoralising.
Thank you in advance for your help and advice.
Not sure if I stand a chance but really need some assistance before I make a set-aside application. I probably should have come here first when it was all going on but I had a very ill daughter to care for at the time.
Lowell issued a claim allegedly for an old Capital One account in July this year. I did AOS by post and also requested inspection of docs under CPR 31.14. I didn't hear anything from them and wrote to them again reminding them of the request. They finally responded in August after they had obtained judgement in default as I hadn't submitted a defence. They stated that they hadn't received my requests (WTF) but as guesture of goodwill would seek the information from their client.
At the time my daughter was very ill in hospital and I was spending 10 hour days caring for her whilst she was there and then just as long when she was finally allowed home.
To date they have sent a copy of a credit agreement from Capital One and some statements but they have not sent my the Notice of Assignment or Default Notice that I requested.
Should I apply for a set-aside based on the fact that they didn't comply with my request?
My head hurts and it's been a stressful time. Daughter is finally on the mend and my credit history is almost clear, so getting this blot has been demoralising.
Thank you in advance for your help and advice.
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