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Received a claim? Yes
Issue Date: 10-8-2017
Amount approx: 650
Claimant: Lowell Portfolio 1 LTD
Solicitor: Lowell Solicitors LTD
Original Credit: Shop Direct Group
Particulars of Claim:
Defendant entered into a consumer credit act 1974 with Shop Direct.
Defendant failed to maintain required payments and a default notice was served and not complied with.
The agreement was later assigned to the Claimant on 15/06/2012.
Stat Barred? Yes
Have sent: Acknowledged the Claim, Sent a CCA request, Sent a CPR 31.14 request
Other Info:
I have no recollection of the debt since it was so long ago. The Claim Form I received simply stated that this debt defaulted in 2012. My credit file states the account was opened in 2008.
However, I lived elsewhere in 2008. After a child and subsequent relationship break up in 2010, I became homeless. Spent a year homeless and moved to my current address in 2011.
It is possible there were some debts from prior to my relationship break up. However, none of these debts would have been acknowledged since that time and so Id have thought they would have defaulted before 2012, which is 2 years after moving from my previous address,
Both my credit report and this letter only states my current address and it is not possible the account was opened in 2008 at this address since I wasn't here.
There has been some history of somebody fraudulently opening catalogue accounts in my name at a different address entirely to any I have lived at and so I dont know if this is an account prior to my break up or another of the fraudulent accounts without knowing the address history.
Issue Date: 10-8-2017
Amount approx: 650
Claimant: Lowell Portfolio 1 LTD
Solicitor: Lowell Solicitors LTD
Original Credit: Shop Direct Group
Particulars of Claim:
Defendant entered into a consumer credit act 1974 with Shop Direct.
Defendant failed to maintain required payments and a default notice was served and not complied with.
The agreement was later assigned to the Claimant on 15/06/2012.
Stat Barred? Yes
Have sent: Acknowledged the Claim, Sent a CCA request, Sent a CPR 31.14 request
Other Info:
I have no recollection of the debt since it was so long ago. The Claim Form I received simply stated that this debt defaulted in 2012. My credit file states the account was opened in 2008.
However, I lived elsewhere in 2008. After a child and subsequent relationship break up in 2010, I became homeless. Spent a year homeless and moved to my current address in 2011.
It is possible there were some debts from prior to my relationship break up. However, none of these debts would have been acknowledged since that time and so Id have thought they would have defaulted before 2012, which is 2 years after moving from my previous address,
Both my credit report and this letter only states my current address and it is not possible the account was opened in 2008 at this address since I wasn't here.
There has been some history of somebody fraudulently opening catalogue accounts in my name at a different address entirely to any I have lived at and so I dont know if this is an account prior to my break up or another of the fraudulent accounts without knowing the address history.
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