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Lowell Portfolio vs Furbinka

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  • Lowell Portfolio vs Furbinka

    Hello and thank you for great forum!

    I newbie here, never dealt with a court claim before, so please be patient with me.

    I recieved court claim from Lowell's issued on 8th of May.
    I acknoweledged service on 11th of May, which was submitted on 13th of May due to being weekend.

    After reading this forum, I send off CCA letter with £1 postal order and CPR31.14 to Lowell by recorded delivery on 13th of May.

    Next step would be to draw defence. I do admit I have the debt with Very, catalogue order, but not with Lowell's.

    Particulars of claim are as follow:

    1)Defendant opened a Very-Littlewoods/Additions Direct regulated consumer credit account under reference xxxxxx on 19/05/2009 (the Agreement)
    2) in breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated.
    3) Agreement was later assigned to the Claimant on 29/10/2018 and written notice given to the Defendant
    4) Despite repeated request for payments, the sum of £1471.52 remains due and outstanding. And the claimant claims
    a) The said sum of £1471.52
    b) Interest pursuant to s69 Count Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at the daily rate of £0.323, but limited to one year, being £61.28
    c) Costs

    I dont remember I recieved default notice from Very. I never recieved written notice from Lowell or the Preaction protocol letter of claim.

    Looking at my Credit report, Very is not there as a creditor.
    On my credit report I have Lowell's, they defaulted account in January 2019, with a default sum of £ 1,245.
    Shouldn't the defaulted account be with Very? And how can the sum in a claim be different from defaulted amount please?

    Can someone please help me draw the defence.
    It would be very appreciated.

    Thank you
    Tags: None

  • #2
    Resonses on OP's other thread.
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

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