**DISCONTINUED** Lowell portfolio /Bryan Carter V Rocky 1987

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Sorry I started a post yesterday asking for help. Then I found a post by amythest which told me which steps to follow and then it said create a new post with the title of the claimant V defendant.

Sorry if I have confused anybody. I just want help to sort out this problem.

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Do I need to do anything else?

[nemesis45]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Thank you Rocky is was a tad confusing!

nem

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Sorry about that. I clicked the triangle thing and asked the site owners to remove the first post if possible.

Back to topic. Would you advise that I do anything else with regards to the claim?

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Hi, so do I need to do anything else after sending the CPR and CCA letters out or is it just a waiting game?
Thanks :-)

[Kati]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Rocky this is the same debt you have Pm'd me about how many threads have you started on this.

nem

Sorry I started a post yesterday asking for help. Then I found a post by amythest which told me which steps to follow and then it said create a new post with the title of the claimant V defendant.

Sorry if I have confused anybody. I just want help to sort out this problem.

Thank you Rocky is was a tad confusing!

nem

Sorry about that. I clicked the triangle thing and asked the site owners to remove the first post if possible.

I've merged them for you instead Rocky

I'm sure [MENTION=6]Amethyst[/MENTION] or [MENTION=55034]nemesis45[/MENTION] will be back soon to give you more advice xx

[Kati]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

The date of issue on the form was 28th April. Acknowledging the claim gives you 33 days from this date to get your defence in. Using the calculator link (http://www.timeanddate.com/date/dateadd.html) that gives you until the 31st May

From Tuesday, 28 April 2015

Added 33 days

Result: Sunday, 31 May 2015

[nemesis45]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Hello Rocky,
Ok Yes CPR31.14 to the solicitors, as said CCA no good for the mobile account.
You should send Lowell a prove it letter incorporating a request for the "agreement " mentioned in the claim..

Now give us a chronological account of this debt please.

Date the account was opened?
Date Defaulted?
Date last payment and/or written acknowledgment made.
Is this debt on your credit files?

nem

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Hi

Thanks for pointing out the incorrect dates Kati, I will edit the letter now as I haven't posted them yet. My acknowledgment has been sent though.

Nem is there a prove it template as I am not the best at writing letters and I wouldn't know what to write?

chronological account of debt.
Account opened August 2006
Last payment paid was January 2008
No written contact or telephone contact has been made since the last payment. I stupidly ignored the letters for years until the past 3 months I started receiving letters regarding the debt.

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Will this do?


Lowell Portfolio 1 LTD
Ellington House
9 Savannah Way
Leeds
LS10 1AB

Dear sir/madam
Re:- xxxxxxxxxxxx

I do not acknowledge any debt to you or any other company that you claim to be representing. The debt is time barred under the limitation act 1980 section 5 in that the last payment or acknowledgement of this debt was made over 6 years ago and no further acknowledgement or payment has been made since that time
. If you have evidence that this debt isn’t statute barred then can you please provide evidence.
With reference to the above agreement I would be grateful if you would send me a copy of this credit agreement.

I understand that under the consumer credit act 1974 (sections 77-79), I am entitled to receive a legible copy of my credit agreement on request.
I enclose payment of £1.00 which represents the fee payable under the consumer credit act.

I understand a copy of my credit agreement should be supplied within 12 working days.
I look forward to hearing from you

Yours faithfully

[nemesis45]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

The Part re credit agreement is not relevant delete. Use a Copy of the service contract for this alleged account.
12 days +2 is for CCA delete.
No fee payable!!!
I will allow 7 working days from the date hereon for a response after which I will consider the matter closed.

nem

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Thanks Nem, I have just posted them both off. Hopefully I will hear back from them very soon. I will update when I receive replies.

Thanks Ro.

[nemesis45]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Happy to help Ro!

Keep us up to date on events please.

nem

[rocky1987]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Hi so today I received this reply from Bryan Carter, what do I do now :-(

Please can you advise.

Cheers Ro.

[MIKE770]

Re: Lowell portfolio /Bryan Carter V Rocky 1987

Usual Missive from them, after allocation then they would be right, but until then they are out of line, wait the next missive? Nemesis be in here no doubt soon.