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Hello,
I have received a court claim from Overdales on behalf of Lowell’s. Not sure the exact process here so just looking for some advice along the way with how best to deal with them.
Received a claim? Yes
Issue Date: 10/09/2024
Have you Acknowledged the Claim?: Yes through MCOL
Total Amount Claimed : £3100
Claimant’s Name: Lowell Portfolio Ltd
Solicitors Firm: Overdales
Original Creditor: Halifax / Lloyds
Original Debt : Personal loan
Particulars of Claim: : The claim is for the sum of £3100 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a Lloyds Banking Group PLC account with an account reference of xxxxxxxxx. The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on 20-02-24, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £0.00. The Claimant claims the sum of £3100.
Is the debt Statute Barred : No
List any letters you have sent (eg: CCA/ CPR ):
Sent CPR 31.14 to Overdales 19/09/24
Sent CCA request to Lowells 19/09/24
Haven’t sent a SAR request yet but may not be able to as I am in Spain for 3 weeks currently.
What is the overall objective here? Is it to ride it out as long as possible for negotiating the lowest settlement? Or to just see if they can even enforce it?
Also - what happens if someone moves abroad while all of this is happening? Does anyone have an idea or experience with that?
many thanks.
I have received a court claim from Overdales on behalf of Lowell’s. Not sure the exact process here so just looking for some advice along the way with how best to deal with them.
Received a claim? Yes
Issue Date: 10/09/2024
Have you Acknowledged the Claim?: Yes through MCOL
Total Amount Claimed : £3100
Claimant’s Name: Lowell Portfolio Ltd
Solicitors Firm: Overdales
Original Creditor: Halifax / Lloyds
Original Debt : Personal loan
Particulars of Claim: : The claim is for the sum of £3100 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a Lloyds Banking Group PLC account with an account reference of xxxxxxxxx. The Defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on 20-02-24, notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £0.00. The Claimant claims the sum of £3100.
Is the debt Statute Barred : No
List any letters you have sent (eg: CCA/ CPR ):
Sent CPR 31.14 to Overdales 19/09/24
Sent CCA request to Lowells 19/09/24
Haven’t sent a SAR request yet but may not be able to as I am in Spain for 3 weeks currently.
What is the overall objective here? Is it to ride it out as long as possible for negotiating the lowest settlement? Or to just see if they can even enforce it?
Also - what happens if someone moves abroad while all of this is happening? Does anyone have an idea or experience with that?
many thanks.
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