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Received a claim? Yes.
Issue Date: 09 Oct 2020
Have you Acknowledged the Claim?: Yes
Total Amount Claimed : Around £2,000
Claimant’s Name: Lowell Portfolio I
Solicitors Firm: Lowell Solicitors Ltd
Original Creditor: Capital One
Original Debt: Credit card
Particulars of Claim: It just says that the defendant entered into an agreement with Capital One which was regulated by the CCA 1974, followed by a reference number and a date around three years ago. It then says that the debt was reassigned and that repeated attempts were made to contact the defendant. It then outlines that they are claiming the sum of £XYZ as well as costs.
Is the debt Statute Barred: I have been living abroad for a year and have had no contact with them prior to going or coming back, but I do not believe that it has been statute barred.
List any letters you have sent (eg: CCA/ CPR ): I haven't sent any letters yet, just filed AOS.
Any Other Information or Background Details:
Hi guys,
I have basically been an idiot and managed to get myself into a lot of debt by a credit card. I was working at the time but unfortunately lost my job and fell behind with a number of bills and ended up living in a camper van. Stupidly I buried my head in the sand and "hid" from it all and have ended up having these problems as a result. It is my own fault, I cannot blame anybody else for it but I'm now stuck and don't know what to do. I received a court claim form recently regarding the credit card debt.
I have filed an AOS with the Moneyclaim Gateway online but am a little unsure what to do next? I have logged into my Moneyclaim account and it is asking me to file the particulars of my defence but I'm a little unsure what to put here as I haven't sent any letters off yet and I'm unsure which ones to send and to whom?
Many thanks in advance to anyone who can help, I appreciate it.
J
Issue Date: 09 Oct 2020
Have you Acknowledged the Claim?: Yes
Total Amount Claimed : Around £2,000
Claimant’s Name: Lowell Portfolio I
Solicitors Firm: Lowell Solicitors Ltd
Original Creditor: Capital One
Original Debt: Credit card
Particulars of Claim: It just says that the defendant entered into an agreement with Capital One which was regulated by the CCA 1974, followed by a reference number and a date around three years ago. It then says that the debt was reassigned and that repeated attempts were made to contact the defendant. It then outlines that they are claiming the sum of £XYZ as well as costs.
Is the debt Statute Barred: I have been living abroad for a year and have had no contact with them prior to going or coming back, but I do not believe that it has been statute barred.
List any letters you have sent (eg: CCA/ CPR ): I haven't sent any letters yet, just filed AOS.
Any Other Information or Background Details:
Hi guys,
I have basically been an idiot and managed to get myself into a lot of debt by a credit card. I was working at the time but unfortunately lost my job and fell behind with a number of bills and ended up living in a camper van. Stupidly I buried my head in the sand and "hid" from it all and have ended up having these problems as a result. It is my own fault, I cannot blame anybody else for it but I'm now stuck and don't know what to do. I received a court claim form recently regarding the credit card debt.
I have filed an AOS with the Moneyclaim Gateway online but am a little unsure what to do next? I have logged into my Moneyclaim account and it is asking me to file the particulars of my defence but I'm a little unsure what to put here as I haven't sent any letters off yet and I'm unsure which ones to send and to whom?
Many thanks in advance to anyone who can help, I appreciate it.
J
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