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Hi this is my second thread on here, with the first one i got loads of excellent help and really good support. Basically to cut a long story short i have received a claim form from the County Court in Northampton relating to Lowell Solicitors Limited. Issue Date is 13 Sep 2016.
The claim relates to a Vanquis credit card that I had 2 to 3 years ago. I had a lot going on in my life at that time and stupidly defaulted and got into a right mess with my finances. The claimant is Lowell Portfolio 1 Ltd however I don't understand how things have ended up like this. I don't seem to have had any letters or correspondence from Lowell relating to this, just this claim form thru the post.
The Particulars of Claim are as follows;
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference 4023************ ('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 04/09/2014 and notice given to the Defendant.
4) Despite repeated requests for repayment, the sum £672.04 remains due and outstanding.
And the Claimant claims
a) The said sum of £672.04
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 £0.147, but limited to one year, being £53.76
c) Costs
Amount claimed 725.80
Court fee 60.00
Legal representative's costs 70.00
Total amount 855.80
Like I said this has all come out of the blue I am desperate not to get a CCJ. I have worked really hard the last 18 months to build my credit score back up and to be in a better financial place.
Please, Please help what do I do next or how do i defend this?
I have not acknowledged the Claim Form yet as Money Claim website keeps telling me my password or claim no are not correct even tho they are. I will ring their helpdesk on Monday seeking their advice on the issue.
Many, many thanks everyone.
The claim relates to a Vanquis credit card that I had 2 to 3 years ago. I had a lot going on in my life at that time and stupidly defaulted and got into a right mess with my finances. The claimant is Lowell Portfolio 1 Ltd however I don't understand how things have ended up like this. I don't seem to have had any letters or correspondence from Lowell relating to this, just this claim form thru the post.
The Particulars of Claim are as follows;
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference 4023************ ('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 04/09/2014 and notice given to the Defendant.
4) Despite repeated requests for repayment, the sum £672.04 remains due and outstanding.
And the Claimant claims
a) The said sum of £672.04
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 £0.147, but limited to one year, being £53.76
c) Costs
Amount claimed 725.80
Court fee 60.00
Legal representative's costs 70.00
Total amount 855.80
Like I said this has all come out of the blue I am desperate not to get a CCJ. I have worked really hard the last 18 months to build my credit score back up and to be in a better financial place.
Please, Please help what do I do next or how do i defend this?
I have not acknowledged the Claim Form yet as Money Claim website keeps telling me my password or claim no are not correct even tho they are. I will ring their helpdesk on Monday seeking their advice on the issue.
Many, many thanks everyone.
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