• Welcome to the LegalBeagles Consumer and Legal Forum.
    Please Register to get the most out of the forum. Registration is free and only needs a username and email address.
    REGISTER
    Please do not post your full name, reference numbers or any identifiable details on the forum.

Lowell CCJ received out of the blue for Studio Cards

Collapse
Loading...
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Lowell CCJ received out of the blue for Studio Cards

    Hi

    I have today received a Claim Form for the above today in the post, having heard nothing from Lowell for the best part of 18 months! Thankfully I had kept all the paperwork!

    Back in 2017 I had sent them the usual CCA request and they didn't reply and sent me a holding letter saying they had asked Studio Cards for a copy of this. They finally provided the documents and it seems that this a document that has my old name and address on, dated, but no signature. Now first off, the account in question in something I defaulted on and the Default drops off my credit file in February 2020, so this would explain the reason behind theClaim Form - trying to add another 6 years of hell to my credit file right at the very end of the 6 years!

    I have added a copy of the document that was sent to me. After which I wrote back and disputed the claim, I was then sent a statement of transactions, looking at this the last payment they received from me was on the 13th November 2013, hence the Claim Form as I am just about to hit the statute barred status! Shame that payment was made as the one previous to that would have put me Statute Barred!

    The balance that was transferred was £716.38 which is what they have been trying to claim from me for the past few years. In February 2018 they offered me a 40% reduction of £429.83, but since then all I have received is their automated letters saying my account remains outstanding - I chased in August 2018 and heard nothing.

    They have added one year's worth of interest - £57.31 + court fees and the debt they are now chasing is £903.69. Obviously I am going to defend the claim but I just wondered what the next steps would be please?

    If i defend and then have to submit my plea, this could potentially take it over the 13th November 2019 and therefore the debt would be statute barred - is that something that is possible?

    Any help would be greatly appreciated.

    Thanks
    Attached Files
    Tags: None

View our Terms and Conditions

LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

Announcement

Collapse
1 of 2 < >

SHORTCUTS


First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire



If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.





NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service

Defend Claim - within 28 days from Service (IF you acknowledged in time)

If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
2 of 2 < >

Support LegalBeagles


Donate with PayPal button

LegalBeagles is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

See more
See less

Court Claim ?

Guides and Letters
Loading...



Search and Compare fixed fee legal services and find a solicitor near you.

Find a Law Firm


Working...
X