Tweet
Issue Date: 9th May 2017
Claimant: Lowell Portfolio Limited
Particulars of Claim:
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds under Account reference xxxx (the agreement).
2) The defendant failed to maintain required payments and a default notice was served and not complied with.
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 £2023.87 remains due and outstanding.
And the claimant claims
A) The said sun of £2023.87
B) Interest pursuant to s69 CCA 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.444, but limited to one year, being £161.91
C) Costs
Amount Claimed: £2185.78
Court Fee: £105
Legal representatives costs: £80
Total: £2370.78
This was for a Lloyds overdraft that I went into an unnaranged overdraft by £50 for just before I lost my job at the time. Due to older bank fees it escalated over 2 years to around 2k. I placed it onto a DMP with Harrington Brooks but stopped payments (was unable to afford) in March 2011 (confirmed today over the phone with Harrington brooks as the last payment they made to Lloyds). No contact was made with Lloyds and I have not contacted Lowell. No payments or acknowledgement since.
What is the best way to defend this as it is statute barred now?
Claimant: Lowell Portfolio Limited
Particulars of Claim:
1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds under Account reference xxxx (the agreement).
2) The defendant failed to maintain required payments and a default notice was served and not complied with.
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 £2023.87 remains due and outstanding.
And the claimant claims
A) The said sun of £2023.87
B) Interest pursuant to s69 CCA 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.444, but limited to one year, being £161.91
C) Costs
Amount Claimed: £2185.78
Court Fee: £105
Legal representatives costs: £80
Total: £2370.78
This was for a Lloyds overdraft that I went into an unnaranged overdraft by £50 for just before I lost my job at the time. Due to older bank fees it escalated over 2 years to around 2k. I placed it onto a DMP with Harrington Brooks but stopped payments (was unable to afford) in March 2011 (confirmed today over the phone with Harrington brooks as the last payment they made to Lloyds). No contact was made with Lloyds and I have not contacted Lowell. No payments or acknowledgement since.
What is the best way to defend this as it is statute barred now?
