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Hi
I have today received a Claim Form for the above today in the post, having heard nothing from Lowell for the best part of 18 months! Thankfully I had kept all the paperwork!
Back in 2017 I had sent them the usual CCA request and they didn't reply and sent me a holding letter saying they had asked Studio Cards for a copy of this. They finally provided the documents and it seems that this a document that has my old name and address on, dated, but no signature. Now first off, the account in question in something I defaulted on and the Default drops off my credit file in February 2020, so this would explain the reason behind theClaim Form - trying to add another 6 years of hell to my credit file right at the very end of the 6 years!
I have added a copy of the document that was sent to me. After which I wrote back and disputed the claim, I was then sent a statement of transactions, looking at this the last payment they received from me was on the 13th November 2013, hence the Claim Form as I am just about to hit the statute barred status! Shame that payment was made as the one previous to that would have put me Statute Barred!
The balance that was transferred was £716.38 which is what they have been trying to claim from me for the past few years. In February 2018 they offered me a 40% reduction of £429.83, but since then all I have received is their automated letters saying my account remains outstanding - I chased in August 2018 and heard nothing.
They have added one year's worth of interest - £57.31 + court fees and the debt they are now chasing is £903.69. Obviously I am going to defend the claim but I just wondered what the next steps would be please?
If i defend and then have to submit my plea, this could potentially take it over the 13th November 2019 and therefore the debt would be statute barred - is that something that is possible?
Any help would be greatly appreciated.
Thanks
I have today received a Claim Form for the above today in the post, having heard nothing from Lowell for the best part of 18 months! Thankfully I had kept all the paperwork!
Back in 2017 I had sent them the usual CCA request and they didn't reply and sent me a holding letter saying they had asked Studio Cards for a copy of this. They finally provided the documents and it seems that this a document that has my old name and address on, dated, but no signature. Now first off, the account in question in something I defaulted on and the Default drops off my credit file in February 2020, so this would explain the reason behind theClaim Form - trying to add another 6 years of hell to my credit file right at the very end of the 6 years!
I have added a copy of the document that was sent to me. After which I wrote back and disputed the claim, I was then sent a statement of transactions, looking at this the last payment they received from me was on the 13th November 2013, hence the Claim Form as I am just about to hit the statute barred status! Shame that payment was made as the one previous to that would have put me Statute Barred!
The balance that was transferred was £716.38 which is what they have been trying to claim from me for the past few years. In February 2018 they offered me a 40% reduction of £429.83, but since then all I have received is their automated letters saying my account remains outstanding - I chased in August 2018 and heard nothing.
They have added one year's worth of interest - £57.31 + court fees and the debt they are now chasing is £903.69. Obviously I am going to defend the claim but I just wondered what the next steps would be please?
If i defend and then have to submit my plea, this could potentially take it over the 13th November 2019 and therefore the debt would be statute barred - is that something that is possible?
Any help would be greatly appreciated.
Thanks
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