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CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

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  • CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Hi all, I have received a photocopy of a County Court Claim form. It is from Lowell, it has been printed (signed) by Lowell Solicitors Limited. It is for a debt from the Halifax Building Society, Current account overdraft.

    I have looked on your site but I cannot see where it covers CCJ for Overdrafts can you please help me?
    I received this yesterday (12/12/15) but it is dated the 10/12/15. I think it is a photocopy of a claim form

    This is what it says:-

    1. The defendant entered into a Consumer Credit Act 1974 regulated agreement with HBOS PLC under account reference ******* ('the agreement')
    2. The defendant failed to maintain the required payments and a default notice was served.
    3. The Agreement was later assigned to the claimant on 24/06/2014 and notice given to the defendant.
    4. Despite repeated requests for payment the sum of *** remains due and outstanding. And the Claimant claims a) The said sum of ***, 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, accruing at a daily rate of 0.361, but limited to one year, being ***, c) Costs. The breakdown is Amount claimed ***, court fee 105.00, Legal representatives costs 80.00 Total amount ***. I hope you can help me and I await your reply, thank you
    Last edited by Fedup500%; 13th December 2015, 22:53:PM. Reason: I forgot to add what the claim form said
    Tags: None

  • nemesis45
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd, i need help

    Originally posted by Taylor22 View Post
    HI, RATHER annoying received a letter from Lowell Solicitors sent a letter from advice received in the forum about getting written proof of contact owing to vodafone or lowell portfolio. Received a letter today date 8/03/17 that "our client is under no obligation to provide me with documents relating to my claim".
    With respect to proof of the claim, our client does not have to provide you "me" any form of "proof of agency" to evidence that they are the legal owner of the debt. (THIS SOUNDS ALL RATHER I want your money regardless) this is postal money debt scam.)
    The do provide the account relates to a former Vodafone account opened 19/01/2011 number 0754430264 "I've never owned a phone number with that number". Amount is 738.19
    I sincerely, hope someone can help me further with the next letter I can write to them back with, OH another thing, they say ( We will not besponding to any further correspondences raisnt the above issues, blah blah blah and that there is a CCJ entered by the court to pay 50.00 per month. I HAVE NEVER RECEIVED A CCJ from the court about any injunction against me. Is this normal?
    I look forward to help regarding this injustice and I DONT OWE THIS AND THERE IS NO PROOF, and they are saying they are not obligated to send proof of debt.
    Thanks
    Hi,

    I presume you sent a request to Lowell under the provisions of s.77/78/79 of the Consumer Credit Act 1974 + 1.00 Statutory Fee?

    Telephone accounts are not regulated under the Act as they are " service " contracts not credit agreements.

    The reply you have received is standard Lowell " solicitors " crap.
    Has a CLAIM actually been filed and judgment made in default because you did not respond to the claim or did not receive any court documents?

    What exactly are the Particulars of the Claim either post a copy of the N1 claim form after removing all personal data and the claim number or type in the particulars word for word.

    nem

    Leave a comment:


  • charitynjw
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Hi Taylor

    Do you have your own thread on LB?
    If so, please provide a link or state where it can be found.

    Leave a comment:


  • Taylor22
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd, i need help

    HI, RATHER annoying received a letter from Lowell Solicitors sent a letter from advice received in the forum about getting written proof of contact owing to vodafone or lowell portfolio. Received a letter today date 8/03/17 that "our client is under no obligation to provide me with documents relating to my claim".
    With respect to proof of the claim, our client does not have to provide you "me" any form of "proof of agency" to evidence that they are the legal owner of the debt. (THIS SOUNDS ALL RATHER I want your money regardless) this is postal money debt scam.)
    The do provide the account relates to a former Vodafone account opened 19/01/2011 number 0754430264 "I've never owned a phone number with that number". Amount is 738.19
    I sincerely, hope someone can help me further with the next letter I can write to them back with, OH another thing, they say ( We will not besponding to any further correspondences raisnt the above issues, blah blah blah and that there is a CCJ entered by the court to pay 50.00 per month. I HAVE NEVER RECEIVED A CCJ from the court about any injunction against me. Is this normal?
    I look forward to help regarding this injustice and I DONT OWE THIS AND THERE IS NO PROOF, and they are saying they are not obligated to send proof of debt.
    Thanks

    Leave a comment:


  • Fedup500%
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Thank you all so much for all your help, I have had a think about this, there is nothing I can do so I will leave it, thank you :lb:

    Leave a comment:


  • Fedup500%
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Hi, thank you. If any of the details in my message can be used I do have proof if needed :_tighthug__by_darkm

    Leave a comment:


  • Celestine
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    I've just seen your PM - I will respond to that separately xxx

    Leave a comment:


  • Celestine
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Sorry to have to be straight. If the claim hadn't gone past judgment it might have been worth trying to defend BUT post judgment the hill gets lots steeper as you have to be able to demonstrate now (in the set aside application) that you have good grounds for defence plus good reason for the default judgment occurring.

    Leave a comment:


  • Fedup500%
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Hi, oh no, I was worried you might say that. It was a bank account yes and I run the overdraft up, there was not a lot of charges put on this no, mainly just the solicitor charges.

    Leave a comment:


  • Celestine
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Though CCA 1974 does cover overdrafts, s.77-79 does not as usually there is no 'agreement' as such.

    However, the opponent appears not to have noticed this detail and has responded saying they have referred to original creditor for copy of the agreement? But at some point they will respond saying 'no can do and not relevant anyway'.

    Were there loads of bank charges added to this account?

    Not looking ideal unfortunately.
    Last edited by Celestine; 4th April 2016, 10:31:AM.

    Leave a comment:


  • Fedup500%
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Thank you. I will send you a private message tonight, just so you have the background for tomorrow but just ignore me till then - Thank you and sorry for disturbing all of your weekends

    Leave a comment:


  • Celestine
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Hi FedUp - I will take a proper look at this tomorrow.

    Leave a comment:


  • Fedup500%
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Thank you Noah, I will do it now and thank you for your help :tinysmile_grin_t:

    Leave a comment:


  • Noah
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    When you post on the thread we can all see it.

    Click on on celestines name and then on send private message

    Leave a comment:


  • Fedup500%
    replied
    Re: CCJ claim form County Court Business Centre - Lowell Portfolio Ltd

    Dear Celestine, I have found a letter written by my doctor for me to send to my creditors, the letter is dated 8th November 2011. I can message you my circumstances if you need me to but I would like to do it by private message if that is okay with you. I do not know if this is a private message but if you could let me know I would be grateful, thank you for your help

    Leave a comment:

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