ccj Lowell/Bw legal

[phillg1986]

Hi everyone.
I recieved an N1 ccj claim form from Lowell/BW legal for a debt that I had with British Credit Trust that I took out in October 2008 which I defaulted on in August 2009 with no further contact or payment. I have checked my credit report and the British Credit Trust account is still on their and showing it as VT in December 2012. I can't see anything on their showing the debt is with Lowell. Why would this be? Would they have any claim on this if not reported?
Anyway I have sent a CCA request to them today to help me with my defence case as I have extended the 14 day period. Is their anything else I could use in my defence case as I really don't want a CCJ after working so hard to repair my credit history!
Thanks in advance
Phill

[phillg1986]

Re: ccj Lowell/Bw legal

My last payment was 24 April 2009
Thanks
Phill

[Kafka]

Re: ccj Lowell/Bw legal

What are the Particulars of Claim on the form?

[phillg1986]

Re: ccj Lowell/Bw legal

Hey, I'm at work at the moment, will put it up tonight, shall I just copy the letter onto here?
Thanks
Phill

[Amethyst]

Re: ccj Lowell/Bw legal

Yes please xx

British Credit Trust

[phillg1986]

Re: ccj Lowell/Bw legal

Yes please xx

British Credit Trust

Hi, do you work for British Credit Trust?
Phill x

[Amethyst]

Re: ccj Lowell/Bw legal

Sorry, no, not sure why I wrote that there, was just thinking, we had a couple threads about BCT recently, I meant to link you to them to have a read (I'll do that now ), must have gotten sidetracked xx

Here's one http://www.legalbeagles.info/forums/...758#post476758

[phillg1986]

Re: ccj Lowell/Bw legal

Ah ok thank you.. It won't let me access the link says I don't have permission. It seems that BCT have closed down or something, may call them and see what details if anything they have regarding my old account

[Amethyst]

Re: ccj Lowell/Bw legal

Ah it might be in VIP.

There's lots more.

British Credit Trust problems

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http://www.bailii.org/ew/cases/EWCA/Civ/2014/790.html Lord Justice Kitchin: Introduction This is an appeal against the judgment of Her Honour ...

Scotland and another v British Credit Trust Ltd [2014] EWCA Civ 790 ...

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FAIR TRADING*—*Consumer credit*—*Agreement*—*Supplier selling debtors windows and doors and persuading them to take out loan with ...

Scotland and another v British Credit Trust Ltd [2014] EWCA Civ 790 ...

legalbeagles.info/scotland-and-another-v-british-credit-trust-ltd-2014-ewca- civ-790-2014-wlr-d-252/

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My Husband bought a car on finance with British Credit trust in 2004 , and like a fool i signed the agreement after he promised to pay the money ...

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Restons/ cabot refuse to accept application for a tomlin order

[phillg1986]

Re: ccj Lowell/Bw legal

What are the Particulars of Claim on the form?

Hi, sorry for the delay have been working hard!!
The particulars of claim are:

Issue date: 19/09/2014

The claimants claim is for the sum of 2442.93 being monies due from the defendant to the claimant under a financial services agreement regulated by the consumer credit act 1974 between the defendant and British Credit Trust
Under account reference xxxxxx
And assigned to the claimant on 27/11/2013 notice of which has been given to the defendant.
The defendant has failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.
The claim also includes statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8% per annum (a daily rate of 0.5% from the date of assignment of the agreement to the date of issue () being an amount of 147.50

Amount claimed: 2442.93
Court Fee: 105.00
Solicitors costs: 80.00
Total amount: 2627.93

Hope this is ok
Thanks
Phill

[Amethyst]

Re: ccj Lowell/Bw legal

You have acknowledged the claim, send a CCA request, you could also send a CPR request to the claimants solicitors.... http://www.legalbeagles.info/forums/...ic-information
Ask for the agreement, terms, notice of assignment and default notice

[phillg1986]

Re: ccj Lowell/Bw legal

You have acknowledged the claim, send a CCA request, you could also send a CPR request to the claimants solicitors.... http://www.legalbeagles.info/forums/...ic-information
Ask for the agreement, terms, notice of assignment and default notice

Hey,
Thanks for reply.. I've sent the CCA request but sent it to Bwlegal as on the claim form it says send all correspondence to them? Should get to right place eventually I guess. How long do I have to wait before the next step? What would my next step be if they provide requested details or if they don't?
Thanks
Phill

[FlamingParrot]

Re: ccj Lowell/Bw legal

Thanks for reply.. I've sent the CCA request but sent it to Bwlegal as on the claim form it says send all correspondence to them? Should get to right place eventually I guess.

It should, they should forward it to their clients.

How long do I have to wait before the next step?

They should respond to the CCA request in 14 working days but chances of that happening are extremely slim. There's no need to chase that one, as non response can be used in your defence. :thumb:

What would my next step be if they provide requested details or if they don't?

They should respond to the CPR request in 7 days. When they're up, start chasing them, send them an email, then ring them up. :cell: Ask them to agree to an extension of 28 days which is the maximum allowed under CPR15.5. Keep an eye on the timescales, remember unless they agree to an extension, you have a maximum of 33 days from date on claim to submit a defence. :clock: If they agree to an extension, forward the document/email to the court. :typing:

In the extremely unlikely event they do provide the documents, just post up here.

Keep us updated.

[phillg1986]

Re: ccj Lowell/Bw legal

It should, they should forward it to their clients.

They should respond to the CCA request in 14 working days but chances of that happening are extremely slim. There's no need to chase that one, as non response can be used in your defence. :thumb:

They should respond to the CPR request in 7 days. When they're up, start chasing them, send them an email, then ring them up. :cell: Ask them to agree to an extension of 28 days which is the maximum allowed under CPR15.5. Keep an eye on the timescales, remember unless they agree to an extension, you have a maximum of 33 days from date on claim to submit a defence. :clock: If they agree to an extension, forward the document/email to the court. :typing:

In the extremely unlikely event they do provide the documents, just post up here.

Keep us updated.

Thanks for the information..
I've been looking at my credit report with 2 companies. The last update for this account was on the 1/12/2012 which is showing it as settled with a £0 balance?
Could I use this info for defence at all? The account is not present with Lowell or any other company on my credit report
Thanks
Phill

[phillg1986]

Re: ccj Lowell/Bw legal

Hi again,
I've still not heard anything back regarding my CCA request, should I contact Lowell and offer them an extension? I may also then send a CPR request also?
Thanks
Phill