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Hi all,
I've read lots of information on this forum about the best way to deal with claim forms, however I've also noticed how cases seem to differ from person to person, therefore I thought I'd explain my particular situation.
This morning I received a claim form from Lowell Portfolio (claimant) regarding a debt of £1,187 from almost 5 years ago, which I know means it isn't statute barred for another 12 months or so.
The account date start was 20/03/2006 and the default date was 30/11/2011.
The particulars of the claim are below:
The Claimant's Claim is for the sum of £1,187.52 being monies due from the Defendant to the Claimant under a Financial Services agreement regulated by the Consumer Credit Act 1974 between the Defendant and HFC Bank Limited under account reference xxxxxxxx and assigned to the Claimant on 23/12/2011 notice of which has been given to the Defendant.
The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.
The claim also indicates statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8.00% per annum (a daily rate of £0.26 from the date of assignment of the agreement to 22/12/2012 being an amount of £95.16.
The solicitors are BW Legal. I have never received any correspondence from Lowell Portfolio or BW Legal about this debt prior to receiving this claim form and therefore I have never made any contact with them about this debt.
This is the only default on my credit file (I have no CCJs against me either) and I have had no correspondence from anyone about the debt for years, only when HFC Bank contacted me directly; my personal circumstances were different then, which I'm still being held back by due to this default.
I vaguely understand how debt collectors work and I'm pretty sure the first steps are to acknowledge the letter with the court online and then ask Lowell to send me a copy of the documents/agreement relating to this debt, which reading through other posts on this forum is something they may not have 5 years on.
Any help/advice you could give me would be much appreciated.
Many thanks in advance!
I've read lots of information on this forum about the best way to deal with claim forms, however I've also noticed how cases seem to differ from person to person, therefore I thought I'd explain my particular situation.
This morning I received a claim form from Lowell Portfolio (claimant) regarding a debt of £1,187 from almost 5 years ago, which I know means it isn't statute barred for another 12 months or so.
The account date start was 20/03/2006 and the default date was 30/11/2011.
The particulars of the claim are below:
The Claimant's Claim is for the sum of £1,187.52 being monies due from the Defendant to the Claimant under a Financial Services agreement regulated by the Consumer Credit Act 1974 between the Defendant and HFC Bank Limited under account reference xxxxxxxx and assigned to the Claimant on 23/12/2011 notice of which has been given to the Defendant.
The Defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with.
The claim also indicates statutory interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8.00% per annum (a daily rate of £0.26 from the date of assignment of the agreement to 22/12/2012 being an amount of £95.16.
The solicitors are BW Legal. I have never received any correspondence from Lowell Portfolio or BW Legal about this debt prior to receiving this claim form and therefore I have never made any contact with them about this debt.
This is the only default on my credit file (I have no CCJs against me either) and I have had no correspondence from anyone about the debt for years, only when HFC Bank contacted me directly; my personal circumstances were different then, which I'm still being held back by due to this default.
I vaguely understand how debt collectors work and I'm pretty sure the first steps are to acknowledge the letter with the court online and then ask Lowell to send me a copy of the documents/agreement relating to this debt, which reading through other posts on this forum is something they may not have 5 years on.
Any help/advice you could give me would be much appreciated.
Many thanks in advance!
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