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Hello I’m just wondering if someone could provide me with some advice on what to do next.
beginning of March I received a letter from Northamptonshire county court saying Lowell’s were claiming against an old credit card I have with capital one from back in 2015.
I acknowledged the claim form online, but asked for more time to prepare my defence and sent off a recorded delivery letter asking for copies of:
*CCA request
*Deed of assignment
*Default notices
They did not acknowledge or send me any of the documents I requested within the 2 week time frame and as a result I submitted my defence on the 5th April. They have now just emailed me a copy of the agreement and a letter that states the transfer of assignment, however they have refused to send over the deed of assignment and no default notice has been produced either. In the email it says they would prefer to come to an amicable settlement (blah blah blah) but I’m just wondering what I should do next? If there’s no evidence of the default notice could this be unenforceable? I have denied the debt to date without the paperwork to check. A minor thing but the claim notice has been sent to me in my maiden name, even though I was married in 2014 and would not have taken out a credit card in my maiden name - would this cause any issues too?
beginning of March I received a letter from Northamptonshire county court saying Lowell’s were claiming against an old credit card I have with capital one from back in 2015.
I acknowledged the claim form online, but asked for more time to prepare my defence and sent off a recorded delivery letter asking for copies of:
*CCA request
*Deed of assignment
*Default notices
They did not acknowledge or send me any of the documents I requested within the 2 week time frame and as a result I submitted my defence on the 5th April. They have now just emailed me a copy of the agreement and a letter that states the transfer of assignment, however they have refused to send over the deed of assignment and no default notice has been produced either. In the email it says they would prefer to come to an amicable settlement (blah blah blah) but I’m just wondering what I should do next? If there’s no evidence of the default notice could this be unenforceable? I have denied the debt to date without the paperwork to check. A minor thing but the claim notice has been sent to me in my maiden name, even though I was married in 2014 and would not have taken out a credit card in my maiden name - would this cause any issues too?
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