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Hi,
I have received county court paperwork 3 days ago dated 02 March for around £6000 in total (including fees) from Lowell Portfolio 1 Ltd, the solicitors are listed as Lowell solicitors. Today I have received a "Notice of claim" letter from Lowell solicitors dated 7th March advising they have issued legal proceedings and asking me to call to discuss payment of alleged credit card debt.
Original creditor is listed as Lloyds.
Particulars of claim are as follows.
1/ The defendant entered into a consumer credit act agreement with Lloyds Banking Group PLC under account reference xxxxxxxxxxx (the agreement)
2/ The defendant failed to maintain the required payments and a default notice was served and not complied with.
3/ The agreement was later assigned to the claimant on 12/05/2015 and notice given to the defendant.
4/ Despite repeated requests for payment, the sum of £5xxx.xx remains due and outstanding.
and the claimant claims
a) the said sum of £5xxx.xx
b)interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £1.821 Interest, but limited to one year, being £2XX.XX
c)costs
I have no idea if this is a genuine debt or not a few years ago I was made redundant and I had a pile of loans and credit cards which were defaulted and resulted in court action and defaults registered on my property. As far as I was aware these were all taken care of at the time. I do admit to having received phone calls and letters but I just bin them and never answer the calls ... I notice there is no mention in the particulars of claim in respect of Lowell forwarding me paperwork....is this normal ?
Will original paperwork be likely to be held from so long ago ?
I have read that some debts in the small print can not be passed on to other companies...would this likely be the case from an agreement allegedly made so long ago.
I believe I need to send a CCA and CPR now but I've seen so many different examples and advice I'm rather confused...
If someone could help with appropriate examples for myself I'd appreciate it...I've purchased a £1 postal order but not sure who to send that to and also do I send copies of everything to Lowell and Lowell solicitors and the court ????
I have obtained a copy of my credit file and Lowell have placed an entry on it stating a default date of 2012 and that the account commenced in 1993.
I have also submitted an acknowledgement of claim intending to defend / dispute it all on line.
Thanks in advance for any help
I have received county court paperwork 3 days ago dated 02 March for around £6000 in total (including fees) from Lowell Portfolio 1 Ltd, the solicitors are listed as Lowell solicitors. Today I have received a "Notice of claim" letter from Lowell solicitors dated 7th March advising they have issued legal proceedings and asking me to call to discuss payment of alleged credit card debt.
Original creditor is listed as Lloyds.
Particulars of claim are as follows.
1/ The defendant entered into a consumer credit act agreement with Lloyds Banking Group PLC under account reference xxxxxxxxxxx (the agreement)
2/ The defendant failed to maintain the required payments and a default notice was served and not complied with.
3/ The agreement was later assigned to the claimant on 12/05/2015 and notice given to the defendant.
4/ Despite repeated requests for payment, the sum of £5xxx.xx remains due and outstanding.
and the claimant claims
a) the said sum of £5xxx.xx
b)interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £1.821 Interest, but limited to one year, being £2XX.XX
c)costs
I have no idea if this is a genuine debt or not a few years ago I was made redundant and I had a pile of loans and credit cards which were defaulted and resulted in court action and defaults registered on my property. As far as I was aware these were all taken care of at the time. I do admit to having received phone calls and letters but I just bin them and never answer the calls ... I notice there is no mention in the particulars of claim in respect of Lowell forwarding me paperwork....is this normal ?
Will original paperwork be likely to be held from so long ago ?
I have read that some debts in the small print can not be passed on to other companies...would this likely be the case from an agreement allegedly made so long ago.
I believe I need to send a CCA and CPR now but I've seen so many different examples and advice I'm rather confused...
If someone could help with appropriate examples for myself I'd appreciate it...I've purchased a £1 postal order but not sure who to send that to and also do I send copies of everything to Lowell and Lowell solicitors and the court ????
I have obtained a copy of my credit file and Lowell have placed an entry on it stating a default date of 2012 and that the account commenced in 1993.
I have also submitted an acknowledgement of claim intending to defend / dispute it all on line.
Thanks in advance for any help
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