N1 form

[canarygirl]

Hi
I have received a Judgment for claimant (in default) letter today from County Court business centre and have no idea who this is for.
I did receive a couple of letters from various companies saying i owed money which I thought were Junk mail.
This is the first letter I have received from the courts and I have looked up online and I think I should've received a claim pack and N1 form first so that I can find out what this is for. Is there anything I can do please

[MIKE770]

Re: N1 form

give more information:- who issued it? date of issue? in relation to what debt? amount? issued on behalf of what company stated you owe money to? last payment? taken out date?

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[MENTION=1937]nemisis[/MENTION]45

[canarygirl]

Re: N1 form

date 31st 0ct 2016, claimant Lowell Portfolio ltd ( no idea but could be a debt my ex took out in 2011 but he went to court for fraud) its for £1989.91. I've not paid any payments

[MIKE770]

Re: N1 form

who are the company mentioned within the claim - lowells bringing the claim , i.e. in the POC would state regarding a loan etc etc between say your husband & such and such company

[canarygirl]

Re: N1 form

There is no Particulars of claim just the claimant which is Lowells a name and address for payment (BW Legal services ) there is no name for who i owe the debt to and from when. Just saying I hadn't replied to claim pack (which I have not received) so I need to pay £70 per month

[canarygirl]

Re: N1 form

Here are the particulars of the claim;
THE CLAIMANT'S CLAIM IS FOR THE SUM OF £1,651.15 BEING MONIES DUE FROM THE DEFENDANT TO THE CLAIMANT UNDER A LOANS, CREDIT CARDS AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 BETWEEN THE DEFENDANT AND PROVIDENT PERSONAL CREDIT LIMITED UNDER ACCOUNT REFERENCE 13149675 AND ASSIGNED TO THE CLAIMANT ON 29/08/2014 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 INCLUDES STATUTORY INTEREST PURSUANT TO SECTION 69 OF THE COUNTY COURTS ACT 1984 AT A RATE OF 8.00% PER ANNUM (A DAILY RATE OF £0.36 FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO 29/08/2015 BEING AN AMOUNT OF £131.76.

[MIKE770]

Re: N1 form

Ah! Provident!

[canarygirl]

Re: N1 form

I called the courts and got this information, Is there a way I can find out when this loan was taken out originally with provident please?

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As i believe this is one of the loans my ex husband took out in my name when he got taken to court for fraud

[MIKE770]

Re: N1 form

help on its way for you

[canarygirl]

Re: N1 form

Thank you

[nemesis45]

Re: N1 form

Thank you

Answering Mike770 pm.

Just going to read the thread now.

nem

[nemesis45]

Re: N1 form

OK,

Your ex was taken to court for fraud, is this the account that was fraudulent.

One way to check this debt out is to check your credit reference files Noddle and Clear Score are free online.

Would this account with Provident have been taken out with an agent visiting the house?

Do have any idea when exactly the fraud action took place, was it a magistrates court of Crown Court?

nem

[canarygirl]

Re: N1 form

Hi Nem
Thank you for replying, I contacted my ex and was told that only some of the fraud was written off by the courts and as we were married we agreed that this one would get paid... I thought by him but obviously not. I checked on noodle and got the following information.

Account start date
17/12/2009
Date of default 03/05/2011
So to stop any hassle from him, i will just pay it and put it down to experience
thank you taking the time to read my post

[nemesis45]

Re: N1 form

Hi Nem
Thank you for replying, I contacted my ex and was told that only some of the fraud was written off by the courts and as we were married we agreed that this one would get paid... I thought by him but obviously not. I checked on noodle and got the following information.

Account start date
17/12/2009
Date of default 03/05/2011
So to stop any hassle from him, i will just pay it and put it down to experience
thank you taking the time to read my post

OK
Best wishes for the future!!!
nem