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** WON ** Please Help!!!! Lowell / Lloyds court claim - DISCONTINUED

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  • #1

    ** WON ** Please Help!!!! Lowell / Lloyds court claim - DISCONTINUED

    Good afternoon,

    I'm now in possession of a court claim form from a claimant Lowell Portfolio for £1304.45 dated 07 Feb 2014. It looks like an old overdraft from a Lloyds account in 2009 but cant be sure!.
    Firstly this letter was sent to my old address which my ex-wife still lives in and I have little contact with, so wouldn't of received it if it wasn't for my eagle eyed son surely these should be sent to current address?. Secondly and most importantly I don't want to and cant pay this, what can I do to stop this going forwards please?

    Hope someone can help please let me know if you need any more information to do so.

    Thank you
    Tags: None
  • #2
    Re: Please Help!!!! Lowell / Lloyds

    Originally posted by jse85883 View Post
    Good afternoon,

    I'm now in possession of a court claim form from a claimant Lowell Portfolio for £1304.45 dated 07 Feb 2014. It looks like an old overdraft from a Lloyds account in 2009 but cant be sure!.
    Firstly this letter was sent to my old address which my ex-wife still lives in and I have little contact with, so wouldn't of received it if it wasn't for my eagle eyed son surely these should be sent to current address?. Secondly and most importantly I don't want to and cant pay this, what can I do to stop this going forwards please?

    Hope someone can help please let me know if you need any more information to do so.

    Thank you
    You need to defend the claim,don't bother to worry about addresses you have the claim acknowledge it and state you wish to defend.

    Comment

    • #3
      Re: Please Help!!!! Lowell / Lloyds

      Sorry but I chuckled at the Don't want to pay that's not a defence others will come on here to advise on this it wont go away on its own sorry again
      • 1 thank

      Comment

      • #4
        Re: Please Help!!!! Lowell / Lloyds

        They can only send it to your last known address. If that is your current one then you should complain bitterly if not you should tell them your current one.

        Post up the particulars of claim and any defence you think you might have.

        M1

        Comment

        • #5
          Re: Please Help!!!! Lowell / Lloyds

          Thank you for your quick response,

          Ok I've acknowledge it on the website do I fill any of the response forms out?

          Comment

          • #6
            Re: Please Help!!!! Lowell / Lloyds

            I don't have a fixed address currently only my parents one.

            Comment

            • #7
              Re: Please Help!!!! Lowell / Lloyds

              Without a new address they will use the last known if a CCJ is granted it will be registered at that address
              • 1 thank

              Comment

              • #8
                Re: Please Help!!!! Lowell / Lloyds

                I've put my parents address as correspondence is that ok to do?

                Comment

                • #9
                  Re: Please Help!!!! Lowell / Lloyds

                  Originally posted by mystery1 View Post
                  They can only send it to your last known address. If that is your current one then you should complain bitterly if not you should tell them your current one.

                  Post up the particulars of claim and any defence you think you might have.

                  M1
                  Hi, If this is the correct account it was an account that was closed by Lloyds in 2009, if I remember correctly I tried to transfer some funds to it to pay some of it off but because the account was closed it wouldn't accept it!
                  I'm not 100% because I defaulted on many things when my business went under!!

                  J

                  Comment

                  • #10
                    Re: Please Help!!!! Lowell / Lloyds

                    Originally posted by jse85883 View Post
                    Hi, If this is the correct account it was an account that was closed by Lloyds in 2009, if I remember correctly I tried to transfer some funds to it to pay some of it off but because the account was closed it wouldn't accept it!
                    I'm not 100% because I defaulted on many things when my business went under!!

                    J
                    When did you last make a payment to this debt and what country in the UK do you live in.

                    Comment

                    • #11
                      Re: Please Help!!!! Lowell / Lloyds

                      Hi, last payment into the account was Nov 2009
                      And I'm in England

                      Thanks
                      J

                      Comment

                      • #12
                        Re: Please Help!!!! Lowell / Lloyds

                        Originally posted by jse85883 View Post
                        Good afternoon,

                        I'm now in possession of a court claim form from a claimant Lowell Portfolio for £1304.45 dated 07 Feb 2014. It looks like an old overdraft from a Lloyds account in 2009 but cant be sure!.
                        Firstly this letter was sent to my old address which my ex-wife still lives in and I have little contact with, so wouldn't of received it if it wasn't for my eagle eyed son surely these should be sent to current address?. Secondly and most importantly I don't want to and cant pay this, what can I do to stop this going forwards please?

                        Hope someone can help please let me know if you need any more information to do so.
                        What do the particulars of claim say? You'd normally send a CCA request and a CPR request if it was for a card/loan/catalogue account, however, if it's for an overdraft, things are a bit different.

                        The first thing to do is to acknowledge the claim, which you can normally do online, using the P/W printed on the claim. You have 14 days to do this. If you state your intention to defend it in full, you get a further 14 days to submit a defence. The court also allows 5 days for service.

                        You may want to look at this thread for the CPR 31.14 request letter for overdrafts, as well as the Part 18 request for further information if you need it: http://www.legalbeagles.info/forums/...859#post410859

                        What solicitors are Lowell using? BW Legal? Bryan Carter?
                        • 1 thank

                        Comment

                        • #13
                          Re: Please Help!!!! Lowell / Lloyds

                          Hi Flaming Parrot

                          Thank you for your response, I will look at the thread you suggested now.

                          The solicitors they are using are Bryan Carter does that change anything?

                          Thanks
                          J
                          • 1 thank

                          Comment

                          • #14
                            Re: Please Help!!!! Lowell / Lloyds

                            Originally posted by jse85883 View Post
                            Hi Flaming Parrot

                            Thank you for your response, I will look at the thread you suggested now.

                            The solicitors they are using are Bryan Carter does that change anything?
                            You'll find dozens of Bryan Carter threads where they are acting on Lowell's behalf. In many cases, they have refused to comply with the requests and left people with no option but to apply to the court for an order to force them to produce the documents. Their behaviour is truly disgraceful.
                            • 1 thank

                            Comment

                            • #15
                              Re: Please Help!!!! Lowell / Lloyds

                              Originally posted by FlamingParrot View Post
                              You'll find dozens of Bryan Carter threads where they are acting on Lowell's behalf. In many cases, they have refused to comply with the requests and left people with no option but to apply to the court for an order to force them to produce the documents. Their behaviour is truly disgraceful.
                              They are definitely parasites for sure. will you be able to take me through the procedure on what to do, i read in the other thread to send the letter requesting documentation and information is that the first thing to do. I have already registered with the court to say I will fight this!! not the correct terminology I know
                              • 1 thank

                              Comment

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