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Good morning,
I'll start by saying, I'm an idiot and have buried my head in the sand in regard to a claim from Overdales/Lowell, would be more than grateful if someone could tell me how to proceed.
I got my acknowledgment in 14 days ago, so am really pushing the 28 days +5, and now have no clue what to do.
Received a claim? Yes/No:
Issue Date: 27/08/21
Have you Acknowledged the Claim?: Yes 14/09/21
Total Amount Claimed : £3800( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name: Lowell
Solicitors Firm: Overdales
Original Creditor: Vanquis/ Shop direct
Original Debt (eg. Credit card/Loan/Overdraft) : Credit card & Online catalog
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
1)The Claim comprises the following
Agreements the Defendant entered into:
a. Shop Direct Finance Company Limited
with reference and
current balance of £550
b. Vanquis Bank
with reference and
current balance of £2500
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 £3050
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 year, being £250
c) Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Not 100% sure but defaults recorded August and October 2016 according to CRA's so most likely not stature barred.
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details:
Really after advice on what I should do, should I submit some sort of defense with so little time left to respond? Really got myself into a mess with this, would be really grateful for some help.
I'll start by saying, I'm an idiot and have buried my head in the sand in regard to a claim from Overdales/Lowell, would be more than grateful if someone could tell me how to proceed.
I got my acknowledgment in 14 days ago, so am really pushing the 28 days +5, and now have no clue what to do.
Received a claim? Yes/No:
Issue Date: 27/08/21
Have you Acknowledged the Claim?: Yes 14/09/21
Total Amount Claimed : £3800( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name: Lowell
Solicitors Firm: Overdales
Original Creditor: Vanquis/ Shop direct
Original Debt (eg. Credit card/Loan/Overdraft) : Credit card & Online catalog
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
1)The Claim comprises the following
Agreements the Defendant entered into:
a. Shop Direct Finance Company Limited
with reference and
current balance of £550
b. Vanquis Bank
with reference and
current balance of £2500
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 £3050
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 year, being £250
c) Costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Not 100% sure but defaults recorded August and October 2016 according to CRA's so most likely not stature barred.
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details:
Really after advice on what I should do, should I submit some sort of defense with so little time left to respond? Really got myself into a mess with this, would be really grateful for some help.
)
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