Lowell’s again claim form help

[Roxy123]

So I received a letter from Lowell’s regarding a debt I didn’t recognise from 2014 so I replied with a standard prove it letter and heard nothing for months only to say they would investigate, I then received a copy of a credit agreement and statement of payments I’d made, so confirming that this was an old provident loan for £2000 I never remember borrowing that from them I believe it was rolled over loans which I had with them for several year dating back to 2007 So according to the statement I’d paid a total of £1980 of a £2000 loan so basically the debt is just interest totalling £1620. I emailed them and said that I would be investigating this and seeking advice which I did and logged a formal complaint with provident via resolver which is due to escalated to the FCA for irresponsible lending in a matter of days provident have still not replied. I asked Lowell to hold any action for 30 days. But today I have received a court claim form with Lowell adding even more interest and court costs etc. I have to date never received anything from provident no default nothing just the Lowell’s letters and copies of letters they apparently sent me ( I’ve been st the same address for 7 years ! ) Obviously I will acknowledge the claim today but I want to try to defend this, could some help as to what I need to do next
Many thanks

[MIKE770]

Acknowledge Claim

on line and tick defend all where it ask no income etc give them at this point


Did you receive pre action letter from Lowells? giving you 30 days to respond??

CPR 31.14 Request

:-
to request all documents mentioned on the N1 form POC from the court send Recorded delivery

Subject Access Request Letter to Provident = no payment they have 30 days to supply all info they have on you!

[Roxy123]

Great thanks, yes they did send me the 30 day notice in which I responded to with the prove it letter but will do all of the above

[Roxy123]

Having sent the SAR and CPR off I’m now thinking I should be writing my defence, I’ve looked at the templates on here and I’m not sure what I should be including as there are 2 main things to my defence but they read as though I’m contradicting myself, so the first is I never remember borrowing £2000 from provident as far as I can see they don’t loan that much ! Lowell sent me a statement with almost £2000 of payments made and just my name at the top and some letters when they purchased the debt and a handwritten agreement, with the amounts and the interest. None of which I have ever received until recently, any way they feel they have proof of debt. I did have a loan with them but I believed this was settled, I have to date never heard from provident since the last payment in September 2013.
So I also back at the end of March submitted a formal complaint for unfair lending as having had multiple rolled over loans from 2007 with provident and basically I was living off payday loans to pay bills etc.This has now been escalated to FCA as no response from provident in the specified 8 weeks time frame.
please help as I really don’t know what to put in the defence
thanks in advance

[Amethyst]

What is the date of issue of the claim ? ( ie. when is your defence due to be filed? )

[Roxy123]

It was issued on the 10th May and I responded online the 12th
thanks