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Court Claim - Lowell / Lloyds - 15-5-2015

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  • Court Claim - Lowell / Lloyds - 15-5-2015

    Received a claim? Yes
    Issue Date: 15-5-2015
    Amount approx: 558.54
    Claimant: Lowell
    Solicitor: Bryan Carter
    Original Credit: Lloyds

    Particulars of Claim:
    The claimants clim is for the sum of 442.69, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and lloyds under Account ref ******* and assigned to the claimant on 30/06/2014 notice of which has been given to the defendant.
    The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with.
    And the claimant claims 442.69
    The claimant also claims statutory interest pursuant to s.69 of the county act 1984 at a rate of 8%per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 30.85


    Stat Barred? Yes

    Have sent: Acknowledged the Claim

    Other Info: I have acknowledged the claim online today and intend to defend as SB, my question is do I now have until the 12/06/15 to gather my defence or am I still working to the 14 days + 5 days from Issue date of 15/06/2015 giving me until03/06/15?
    Just what you want to come back to after our first holiday in 8years!!
    Tags: None

  • #2
    Re: Court Claim - Lowell / Lloyds - 15-5-2015

    What to do next? Any advice greatly appreciated. I have never had any dealings with Bryan Cater or Lowells and from reading other posts about them I am quite glad but a little worried about how to proceed and the the time scales.

    Comment


    • #3
      Re: Court Claim - Lowell / Lloyds - 15-5-2015

      OK ... you've acknowledged the claim online and stated your intent to defend the claim. That gives you 33 days from the date of issue (on the claim form) before your defence is due in taking you to Friday 15th May according to the calculator link at the top of the page

      Your basic first steps are outlined on this thread - http://www.legalbeagles.info/forums/...it-Court-Claim

      CCA request goes to Lowell - http://www.legalbeagles.info/forums/...y-of-Agreement
      CPR request goes to BC - http://www.legalbeagles.info/forums/...ic-information

      Please try not to worry ... you'll get lots of help and advice from the knowledgeable Beagles!

      K xx
      Debt is like any other trap, easy enough to get into, but hard enough to get out of.

      It doesn't matter where your journey begins, so long as you begin it...

      recte agens confido

      ~~~~~

      Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

      I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
      But please include a link to your thread so I know who you are.

      Specialist advice can be sought via our sister site JustBeagle

      Comment


      • #4
        Re: Court Claim - Lowell / Lloyds - 15-5-2015

        Thank you so much Kati.
        I'll get on the request task now. Should these be sent recorded?

        Comment


        • #5
          Re: Court Claim - Lowell / Lloyds - 15-5-2015

          Originally posted by 2015mum View Post
          Thank you so much Kati.
          I'll get on the request task now. Should these be sent recorded?
          I'd suggest they are .... you have proof of postage and delivery then :nod:
          Don't forget you'll need to include a postal order/cheque for £1 with the CCA request (marked "for statutory fee only")
          Debt is like any other trap, easy enough to get into, but hard enough to get out of.

          It doesn't matter where your journey begins, so long as you begin it...

          recte agens confido

          ~~~~~

          Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

          I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
          But please include a link to your thread so I know who you are.

          Specialist advice can be sought via our sister site JustBeagle

          Comment


          • #6
            Re: Court Claim - Lowell / Lloyds - 15-5-2015

            Hi, again. I am aware I am running out of time to file my defence but I am going around in circles with all the reading I am doing and finding bank statements from years ago.
            The sum for which the claim is an old overdraft which has been inflated with charges on top of charges. I have read that the CCA does not apply to overdrafts so I have not requested one. Have I made a mistake? I still intend to file my defence as statute-barred as during April/May of 2009 I was unemployed and my husband was declared bankrupt.
            Do I send a SB letter to Lowell or submit it on MCOL?

            Comment


            • #7
              Re: Court Claim - Lowell / Lloyds - 15-5-2015

              Where can I find a SB letter please?

              Comment

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              SHORTCUTS


              First Steps
              Check dates
              Income/Expenditure
              Acknowledge Claim
              CCA Request
              CPR 31.14 Request
              Subject Access Request Letter
              Example Defence
              Set Aside Application
              Directions Questionnaire



              If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.





              NOTE: If you receive a court claim note these dates in your calendar ...
              Acknowledge Claim - within 14 days from Service

              Defend Claim - within 28 days from Service (IF you acknowledged in time)

              If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




              We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
              If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
              2 of 2 < >

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