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I received notification from Bryan Carter Solicitors LLP on behalf of Lowell in a letter dated the 18/June/2014
The date of claim was the 18th June on the county court forms, which I received on Saturday the 21st of June 2014
I immediately filed that I would contest the claim online, on the 21st of June 2014, and have written and printed two letters
1) a CPR request using a template from one of the other cases on here (signed with a squiggle which is nothing like my signature)
2) a CCA request using a template from one of the other cases on here (unsigned as I know it doesn't need to be)
I have made three copies of each letter (including the squiggle)
I have sent one set of the two letters ordered CPR then CCA to Bryan Carter in the same envelope recorded today (the 23/6/14)
I have sent another copy of the two letters ordered CPR then CCA to Lowell in the same envelope today (the 23/6/14)
I have sent each envelope with 2 £1 fees (for each request), and I have a copy printed of both letters for my records, they were sent signed for early this afternoon.
The debt is claimed with interest at 8%.
Additional Information
I filed an experian credit check several months ago to check what was filed against me and there is no record of the alleged original debt, which was with vanquis
A default was filed by Lowell on the 29/02/08, which is just over six years ago, with the account starting on the 29/05/2007 , so technically the default itself is over 6 years ago, and the date of the default was from before Lowells purchase of the account, despite Lowell filing the default, no original creditor filed the default from what I can make out.
No payment record for 13-60 months is provided, and the payment record for 1-12 months seems to be in the wrong format
HISTORY
I made a request for a CCA, in 2011, to Lowell, who claim to have acquired the debt from Vanquis.
I received a letter stating it would take longer, and shortly after Lowell acquired two other credit card defaults (I suspect they were looking for a signature or personal information), some time after this I received what looked like an Excel printout with some personal information which they claim is a digital fingerprint, and means they don't need a signature, this came with an unsigned credit agreement printout. Two letters later, continuing to dispute any debt and arguing over the legality of this, I made it clear I continue to dispute and do not acknowledge this debt, and would have no more contact with them. It seems just responding at all has led to them filing against me three years later.
Prior to Lowells acquisition there was some payments made on the alleged account after the default (the last of which seems to be four and a half years ago), but was not paid from an account in my name, and I don't have any indication Lowell have any details from the alleged original account, from a debt management service
I am hoping I can make this a simple case of the alleged debt been over 6 years old, or if this is too risky, that they don't have the legal credit agreement, but I feel I have to defend this otherwise they will come after me for other alleged debts, all of which are now over 6 years old.
I can provide documents but I wanted to provide information first on my situation.
My worry is my credit record is now perfect and they are intent on screwing me for another six years if at all possible
The amounts for this Lowell account are for an original sum of around £350
The other amounts which may follow if Lowell are successful in court are of approx £600 and £800 if they were to proceed like they have with this one.
I feel that responding to any Lowell account even with a CCA letter was a terrible idea, as they have chosen to pursue this far more agressively than any other alleged creditor for any other alleged debt
I received notification from Bryan Carter Solicitors LLP on behalf of Lowell in a letter dated the 18/June/2014
The date of claim was the 18th June on the county court forms, which I received on Saturday the 21st of June 2014
I immediately filed that I would contest the claim online, on the 21st of June 2014, and have written and printed two letters
1) a CPR request using a template from one of the other cases on here (signed with a squiggle which is nothing like my signature)
2) a CCA request using a template from one of the other cases on here (unsigned as I know it doesn't need to be)
I have made three copies of each letter (including the squiggle)
I have sent one set of the two letters ordered CPR then CCA to Bryan Carter in the same envelope recorded today (the 23/6/14)
I have sent another copy of the two letters ordered CPR then CCA to Lowell in the same envelope today (the 23/6/14)
I have sent each envelope with 2 £1 fees (for each request), and I have a copy printed of both letters for my records, they were sent signed for early this afternoon.
The debt is claimed with interest at 8%.
Additional Information
I filed an experian credit check several months ago to check what was filed against me and there is no record of the alleged original debt, which was with vanquis
A default was filed by Lowell on the 29/02/08, which is just over six years ago, with the account starting on the 29/05/2007 , so technically the default itself is over 6 years ago, and the date of the default was from before Lowells purchase of the account, despite Lowell filing the default, no original creditor filed the default from what I can make out.
No payment record for 13-60 months is provided, and the payment record for 1-12 months seems to be in the wrong format
HISTORY
I made a request for a CCA, in 2011, to Lowell, who claim to have acquired the debt from Vanquis.
I received a letter stating it would take longer, and shortly after Lowell acquired two other credit card defaults (I suspect they were looking for a signature or personal information), some time after this I received what looked like an Excel printout with some personal information which they claim is a digital fingerprint, and means they don't need a signature, this came with an unsigned credit agreement printout. Two letters later, continuing to dispute any debt and arguing over the legality of this, I made it clear I continue to dispute and do not acknowledge this debt, and would have no more contact with them. It seems just responding at all has led to them filing against me three years later.
Prior to Lowells acquisition there was some payments made on the alleged account after the default (the last of which seems to be four and a half years ago), but was not paid from an account in my name, and I don't have any indication Lowell have any details from the alleged original account, from a debt management service
I am hoping I can make this a simple case of the alleged debt been over 6 years old, or if this is too risky, that they don't have the legal credit agreement, but I feel I have to defend this otherwise they will come after me for other alleged debts, all of which are now over 6 years old.
I can provide documents but I wanted to provide information first on my situation.
My worry is my credit record is now perfect and they are intent on screwing me for another six years if at all possible
The amounts for this Lowell account are for an original sum of around £350
The other amounts which may follow if Lowell are successful in court are of approx £600 and £800 if they were to proceed like they have with this one.
I feel that responding to any Lowell account even with a CCA letter was a terrible idea, as they have chosen to pursue this far more agressively than any other alleged creditor for any other alleged debt
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