Lowell/Overdales - County Court Claim - Please help.

[echat11]

Hold on - we don't know if he is talking about credit file defaults or the expiry of a s.87 default notice. It's going to be close so personally I'd keep it in and let them prove it is not SB.

What do you want to keep in?

[echat11]

Hi Celestine.
I'm not sure, I don't seem to be able to find it on MCOL.
I know the Issue Date was 27/08/21 and I acknowledged the Claim on 14/09/21.
I thought it was 14 days from that date, which would be today.

You can file the Defence online with the Court, then post copies of the Defence, but get Proof of Posting for everything you post.

Wait for Celestine to get back to you. Best get everything right first time.

[Frampton444]

You can file the Defence online with the Court, then post copies of the Defence, but get Proof of Posting for everything you post.

Wait for Celeste to get back to you. Best get everything right first time.

Really appreciate everyone's help with this.
Would you suggest I post it too then? The online service says I don't need to, but would you do that anyway?

[echat11]

Really appreciate everyone's help with this.
Would you suggest I post it too then? The online service says I don't need to, but would you do that anyway?

You need to posit it to the Claimant (Lowell's), You can email it to the Court (Send it via post to the Court).

[Frampton444]

Well, off to post my letters. Fingers crossed for a reply soon, starting to freak out.

[Celestine]

What do you want to keep in?

The sentence about being statute barred I would keep in.

If the credit file defaults show as 2016, the s.87 default notice expiry could easily be months earlier....

[echat11]

The sentence about being statute barred I would keep in.

If the credit file defaults show as 2016, the s.87 default notice expiry could easily be months earlier....

Thanks.

[echat11]

FRAMPTON444

You need to include the following:-

7.The Defendant contends the alleged debt is statute barred by virtue of Section 5 of the Limitations Act 1980 in that no payment or acknowledgment has been made for over 6 years

[Frampton444]

FRAMPTON444

You need to include the following:-

7.The Defendant contends the alleged debt is statute barred by virtue of Section 5 of the Limitations Act 1980 in that no payment or acknowledgment has been made for over 6 years

Fantastic, thanks everyone for their amazing help!
I have now sent the letters and submitted my defence, I'll await their response.

[echat11]

Have you submitted the Defence via email? If so which email address did you use?

[Frampton444]

Have you submitted the Defence via email? If so which email address did you use?

I just submitted using the www.moneyclaim.gov.uk service, do I need to submit via email?

[echat11]

I just submitted using the www.moneyclaim.gov.uk service, do I need to submit via email?

I know there is a restriction for the number of characters when you file a Defence. So you can also use the following email address to file you Defence -

ccbcaq@justice.gov.uk

[MIKE770]

Yes, apparently it's o.k.. Two debts from different companies on the one claim form.

yes I know but should not be allowed to up case to where a charging order could be obtained £1000 and over?? just my thoughts awful legal system to allow that.

[echat11]

yes I know but should not be allowed to up case to where a charging order could be obtained £1000 and over?? just my thoughts awful legal system to allow that.

Agree, I'm tempted to make a football analogy, VAR.

[Frampton444]

Hi again. Thanks once more for your help with this back in September.

I am yet to receive any information back from anyone in regard to this, apart from the acknowledgment of defence from Overdales and letters back from the SAR's from each of the original companies saying the accounts aren't being handled by them anymore.
The MCOL website doesn't have any "transactions" past my defence filling in September, I was under the impression that they only had 28 days to respond to the court? Can someone tell me if there is anything I should be doing at this point?