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Could I please have some advise? on 9th Feb I responded to a County Court Claim form from NORTHAMPTON Court regarding the claimant Lowell I PORTFOLIO Ltd via Lowell Solicitors.
I correctly responded online within my 14 days I had allocated using the acknowledgement of service and that I wished to defend my claim.
I've now received a letter from Lowells Solicitors dated 11th Feb saying I failed to respond to the claim entered against me (typical of them trying to jump the gun so in goes in their favour, I know! ) and they are now instructed to enter a CCJ against me - legally I know they can't do this as its only the court that can.
They have also threatened County Court Bailiffs for a Warrant of Control.
I will be contacting them directly regarding this new letter, but what do you suggest I say?
Also I'm awaiting for them to acknowledge my CCA request via letter so I can use this information to defend my claim accordingly.
On a number of ocassions they have breached certain FCA regulations, which I'm adding to my defence as my own particulars and require an investigation to be undertaken as part of this!
I'm asking them to prove the debt is mine, I've been through FCA handbook with a fine comb and have a number of points to raise with them!
1) The Calim Compromises the following Agreements the Defendent entered into:
a. Capital One (Europe) plc with reference ****** and current balance of £1095.52
b. Shop Direct Financial Services with reference ******* and current balance of £2648.63
The Agreements were terminated as payments were not maintained and subsequently assigned to the Claimant.
And the Claimant claims:
a) The total of the said sums being £3744.15
b)Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one ywar, being £299.53
c) Costs
Ideally I would like some advice on how to respond to the following:-
1 - Response to their newest letter stating I had not acknowledged the County court claim form (which is totally untrue)
2 - Details or particulars I can add to my defence.
I was made redundant in 2018 and have now been diagnosed with a Nueroligical disorder so money is very tight. I've alresdy completed a budgeting form with a debt advice service and basically I'm left with pennies each month!
3- is it too late at this stage to discuss "token payments" with Lowells?
Any advice would be greatly appreciated. Thanks Rachael x
I correctly responded online within my 14 days I had allocated using the acknowledgement of service and that I wished to defend my claim.
I've now received a letter from Lowells Solicitors dated 11th Feb saying I failed to respond to the claim entered against me (typical of them trying to jump the gun so in goes in their favour, I know! ) and they are now instructed to enter a CCJ against me - legally I know they can't do this as its only the court that can.
They have also threatened County Court Bailiffs for a Warrant of Control.
I will be contacting them directly regarding this new letter, but what do you suggest I say?
Also I'm awaiting for them to acknowledge my CCA request via letter so I can use this information to defend my claim accordingly.
On a number of ocassions they have breached certain FCA regulations, which I'm adding to my defence as my own particulars and require an investigation to be undertaken as part of this!
I'm asking them to prove the debt is mine, I've been through FCA handbook with a fine comb and have a number of points to raise with them!
1) The Calim Compromises the following Agreements the Defendent entered into:
a. Capital One (Europe) plc with reference ****** and current balance of £1095.52
b. Shop Direct Financial Services with reference ******* and current balance of £2648.63
The Agreements were terminated as payments were not maintained and subsequently assigned to the Claimant.
And the Claimant claims:
a) The total of the said sums being £3744.15
b)Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one ywar, being £299.53
c) Costs
Ideally I would like some advice on how to respond to the following:-
1 - Response to their newest letter stating I had not acknowledged the County court claim form (which is totally untrue)
2 - Details or particulars I can add to my defence.
I was made redundant in 2018 and have now been diagnosed with a Nueroligical disorder so money is very tight. I've alresdy completed a budgeting form with a debt advice service and basically I'm left with pennies each month!
3- is it too late at this stage to discuss "token payments" with Lowells?
Any advice would be greatly appreciated. Thanks Rachael x
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