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Hello everyone,
I really need some help with regards to submitting a defence. I did post on 20th but did not get a response. I am thinking it may be because I did not post in here first.
I received a claim for and sent a CCA and CPR form on 20th August to Lowell and their solicitors. I have had no reply until now and have had no response.
I know I need to send a defence, should I send it now? The claim form issue date is 7th August. Here are the details:
Received a claim? Yes
Issue Date: 7th August 2019
Have you Acknowledged the Claim?: Yes
Total Amount Claimed : £900
Claimant’s Name: Lowell Portfolio I LTD
Solicitors Firm: Lowell Solicitors Limited
Original Creditor: Capital One Credit Card
Original Debt Credit card:
Particulars of Claim:
1) The defendant opened a Capital One Credit Card regulated consumer credit account under reference xxxxxxxxxxxxxxxx on xx/xx/2015 ('the agreement').
2) In breach of the Agreement , the Defendant failed to maintain the required payments and the Agreement was terminated.
3) The Agreement was later assigned to the claimant on xx/xx/2017 and written notice given to the Defendant.
4) Despite repeated requests for payment the sum of £xxx.xx remains due and outstanding. And the claimant claims
a) The said sum of £xxx.xx
b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £0.xxx, but limited to one year, being £xx.00
c) Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): under 6 years
List any letters you have sent (eg: CCA/ CPR ): CCA & CPR
Any Other Information or Background Details:
Thanks in advance.
I really need some help with regards to submitting a defence. I did post on 20th but did not get a response. I am thinking it may be because I did not post in here first.
I received a claim for and sent a CCA and CPR form on 20th August to Lowell and their solicitors. I have had no reply until now and have had no response.
I know I need to send a defence, should I send it now? The claim form issue date is 7th August. Here are the details:
Received a claim? Yes
Issue Date: 7th August 2019
Have you Acknowledged the Claim?: Yes
Total Amount Claimed : £900
Claimant’s Name: Lowell Portfolio I LTD
Solicitors Firm: Lowell Solicitors Limited
Original Creditor: Capital One Credit Card
Original Debt Credit card:
Particulars of Claim:
1) The defendant opened a Capital One Credit Card regulated consumer credit account under reference xxxxxxxxxxxxxxxx on xx/xx/2015 ('the agreement').
2) In breach of the Agreement , the Defendant failed to maintain the required payments and the Agreement was terminated.
3) The Agreement was later assigned to the claimant on xx/xx/2017 and written notice given to the Defendant.
4) Despite repeated requests for payment the sum of £xxx.xx remains due and outstanding. And the claimant claims
a) The said sum of £xxx.xx
b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue, accruing at a daily rate of £0.xxx, but limited to one year, being £xx.00
c) Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): under 6 years
List any letters you have sent (eg: CCA/ CPR ): CCA & CPR
Any Other Information or Background Details:
Thanks in advance.