Hi all,
I have received a claim form from county court about an unpaid vodafone telephone contract that has been assigned to lowell.
I took a contract and phone around 2015 summer, paid it for some month until November, then received a high bill for some abroad charges, and being young and stupid I decided just to throw the sim card away and do not bother anymore about it. Normally, received some letter from vodafone and eventually lowells have bought the claim and been chasing me up for a couple of years. It led to me receiving a county court claim form on 30Oct. This forum has been extremely helpful for me, I found a thread that was almost identical to my situation, so I decided to try to dispute this, thinking I have nothing to lose.
Firstly, I acknowledged the claim and selected to defend all and contest jurisdiction.
Secondly, I've sent a SAR to Vodafone,asking for all the data that they hold on me, (8th Nov)
CCA to Lowell asking for a copy of consumer credit agreement with 1£ postal order,(8h Nov)
CPR 31.14 to Lowell solicitors, asking for for disclosure and inspection of the agreement, any default notice, notice of assignment, notice of termination, any other documents referred to.(6 Nov)
Was going to put in my defence with the court, as per a template I have found on the forum that seemed relevant, but unfortunately I have received an email from lowell solicitors yesterday stating:
As this is a former telecommunications matter it is not regulated by the Consumer Credit act 1974, the original creditor is therefore not required to retain a copy of the agreement. Subsequently, we are unable to request a copy of this agreement. A copy of the notice of assignment has been attached to this email. We have asked our client to provide us with a copy of the default notice and notice of termination and we will contact you once we have received a response. And an email today stating : As we advised you in our email on 20th November 2018, a copy of the agreement will not be provided to you. We have asked that our client provide a statement of your account and will contact you when we receive a response.
I understand I took a bigger bite than I could chew, this got a bit too complicated to comprehend for me. As I understand I was disputing the claim ,providing lowell will not be able to provide documents to back this claim as they seem to buy claims in bulk, but in my case did they actually provide what I was asking and I have no where else to go from here? I've got less than two weeks to put in my defence, which was going to state that they have failed to provide any information to back the claim, now I really do not know what options I have now.
Thanks in advance for any help or advice!
Ruta
I have received a claim form from county court about an unpaid vodafone telephone contract that has been assigned to lowell.
I took a contract and phone around 2015 summer, paid it for some month until November, then received a high bill for some abroad charges, and being young and stupid I decided just to throw the sim card away and do not bother anymore about it. Normally, received some letter from vodafone and eventually lowells have bought the claim and been chasing me up for a couple of years. It led to me receiving a county court claim form on 30Oct. This forum has been extremely helpful for me, I found a thread that was almost identical to my situation, so I decided to try to dispute this, thinking I have nothing to lose.
Firstly, I acknowledged the claim and selected to defend all and contest jurisdiction.
Secondly, I've sent a SAR to Vodafone,asking for all the data that they hold on me, (8th Nov)
CCA to Lowell asking for a copy of consumer credit agreement with 1£ postal order,(8h Nov)
CPR 31.14 to Lowell solicitors, asking for for disclosure and inspection of the agreement, any default notice, notice of assignment, notice of termination, any other documents referred to.(6 Nov)
Was going to put in my defence with the court, as per a template I have found on the forum that seemed relevant, but unfortunately I have received an email from lowell solicitors yesterday stating:
As this is a former telecommunications matter it is not regulated by the Consumer Credit act 1974, the original creditor is therefore not required to retain a copy of the agreement. Subsequently, we are unable to request a copy of this agreement. A copy of the notice of assignment has been attached to this email. We have asked our client to provide us with a copy of the default notice and notice of termination and we will contact you once we have received a response. And an email today stating : As we advised you in our email on 20th November 2018, a copy of the agreement will not be provided to you. We have asked that our client provide a statement of your account and will contact you when we receive a response.
I understand I took a bigger bite than I could chew, this got a bit too complicated to comprehend for me. As I understand I was disputing the claim ,providing lowell will not be able to provide documents to back this claim as they seem to buy claims in bulk, but in my case did they actually provide what I was asking and I have no where else to go from here? I've got less than two weeks to put in my defence, which was going to state that they have failed to provide any information to back the claim, now I really do not know what options I have now.
Thanks in advance for any help or advice!
Ruta
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