Hello and Hi, Advice needed on County Court Case against me from Lowell portfolio

[ginny]

Hi there, I am being taken to court by Lowell Portfolio for a Debt i have been in dispute with LLoyds TSB from a few years ago,

This is a credit card debt that has lots of interest and charges added to it, and following advice from "penalty charges" forum years ago, I started making requests for a signed credit agreement. Because I KNOW there is not one and i believe they can not charge me all the charges without one.

I started making these requests in 2009, I received a reply from LLoyds Tsb on 1-12-2009 regarding a CCA But without the signed agreement or a detailed list of transactions and charges.

I requested a "Data Protection Act disclosure request" by recorded delivery in July 2010 again with None of the items requested being sent me.

I have periodical requests from other companies regarding this Debt but when asked for the signed credit agreement they disappeared.

I now have received a County Court Claim from "County court business centre" Northampton. Dated 26-1-15. The debt now is nearly 7000. it was at only 4000 when i started questioning them.

I know i have to act quickly now, but I am unsure the best course to take ?

HELP ? Many Thanks Jo

[nemesis45]

Re: Hello and Hi, Advice needed on County Court Case against me from Lowell portfolio

Hi Welcome to LB.
CCA request to Lowell asap
Is there a solicitor involved Carter or BW Legal?

nem

[ginny]

Re: Hello and Hi, Advice needed on County Court Case against me from Lowell portfolio

[QUOTE=nemesis45;514210]Hi Welcome to LB.
CCA request to Lowell asap
Is there a solicitor involved Carter or BW Legal

Hi thanks for the reply i have prepaired the letter for CCA and Sar letter but really need help as to how to defend the County court Claim before my time runs out! Many Thanks

[ginny]

Re: Hello and Hi, Advice needed on County Court Case against me from Lowell portfolio

The Solicitor for Lowell is BW Legal forgot to mention that