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Hi all
I have recently received a Claim form, prior to receiving this I had also received a Letter before action which I had then sent a CCA to Lowell and SAR to Vanquis. I am not sure where to go from now and this is making me extremely anxious, please see below for more information and any help will be greatly appreciated.
Received a claim? Yes/No: Yes
Issue Date: 09/05/2019
Have you Acknowledged the Claim?: Not yet
Total Amount Claimed: £500
Claimant’s Name: Lowell Portfolio I LTD
Solicitors Firm: Lowell Solicitors Limited
Original Creditor: Vanquis
Original Debt (eg. Credit card/Loan/Overdraft): Unsure if £200 or £250 credit card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference _.
2) The defendant failed to maintain the required payments and arrears began to accrue.
3) The Agreement was later assigned to Claimant on 29/09/2017 and notice were given to the Defendant.
4) Despite repeated requests for payment, the sum of £400 remains due and outstanding.
And the Claimant claims
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No, last contact January 2016
List any letters you have sent (eg: CCA/ CPR ): CCA to Lowell portfolio - Received a very brief few pages of transaction details and CCA not signed by me, think it was a digital agreement.
SAR to Vanquis - No statements received, received Customer notes and customer transaction
Any Other Information or Background Details:
I took this card out just as my relationship broke down and being unable to keep up with the mounting costs of charges/late payment/overlimit everything spiralled out of control.
Do I now need to acknowledge the claim and send out a CPR to the Claimant? And what should I expect or need next?
Thank you in advance.
I have recently received a Claim form, prior to receiving this I had also received a Letter before action which I had then sent a CCA to Lowell and SAR to Vanquis. I am not sure where to go from now and this is making me extremely anxious, please see below for more information and any help will be greatly appreciated.
Received a claim? Yes/No: Yes
Issue Date: 09/05/2019
Have you Acknowledged the Claim?: Not yet
Total Amount Claimed: £500
Claimant’s Name: Lowell Portfolio I LTD
Solicitors Firm: Lowell Solicitors Limited
Original Creditor: Vanquis
Original Debt (eg. Credit card/Loan/Overdraft): Unsure if £200 or £250 credit card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference _.
2) The defendant failed to maintain the required payments and arrears began to accrue.
3) The Agreement was later assigned to Claimant on 29/09/2017 and notice were given to the Defendant.
4) Despite repeated requests for payment, the sum of £400 remains due and outstanding.
And the Claimant claims
- The sum of £400
- Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue, accruing at a dailt rate of £1, but limited to one year, being £30
- Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): No, last contact January 2016
List any letters you have sent (eg: CCA/ CPR ): CCA to Lowell portfolio - Received a very brief few pages of transaction details and CCA not signed by me, think it was a digital agreement.
SAR to Vanquis - No statements received, received Customer notes and customer transaction
Any Other Information or Background Details:
I took this card out just as my relationship broke down and being unable to keep up with the mounting costs of charges/late payment/overlimit everything spiralled out of control.
Do I now need to acknowledge the claim and send out a CPR to the Claimant? And what should I expect or need next?
Thank you in advance.
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