County court judgement Lowell.

[Allbee1]

I have recieved a claim form from county court business centre on behalf of Lowell. What should I do. I suffered depression and anxiety attacks after my divorce 4 years ago. The divorce left myself and children with no financial stability hence couldn't pay these debts. I have more money going out than coming in. I have no idea what to do and feel like running for the hills. 😪 Any advice would be greatly appreciated. Thank you all in advance x

[Stu]

Re: County court judgement Lowell.

If you give as much detail regards the debt the beagles will be able to help you..

Received a claim?
Issue Date:
Amount approx:
Claimant:
Solicitor:
Original Creditor:
Particulars of Claim: Please type out in full excluding names/account numbers
Is the debt Statute Barred?
List any letters you have sent:
Any Other Info:

[nemesis45]

Re: County court judgement Lowell.

I have recieved a claim form from county court business centre on behalf of Lowell. What should I do. I suffered depression and anxiety attacks after my divorce 4 years ago. The divorce left myself and children with no financial stability hence couldn't pay these debts. I have more money going out than coming in. I have no idea what to do and feel like running for the hills.  Any advice would be greatly appreciated. Thank you all in advance x

Good morning, welcome to LB,

Have you acknowledged service of the claim:

If not do so on the MCOL site instructions are on the court form.

nem

[Allbee1]

Re: County court judgement Lowell.

[QUOTE=Stu;686695]If you give as much detail regards the debt the beagles will be able to help you..

[B][SIZE=3]Received a claim?
Issue Date: 27/10/16
Amount approx: 2683.17
Claimant: Lowell portfolio I ltd
Solicitor:Lowell solicitors ltd
Original Creditor: vanquis
Particulars of Claim:
1) the defendant entered into consumer agreement with vanquis

2)defendant failed to maintain the required payments and a default notice was served and not complied with.
3) the agreement was later assigned to the claimant on 26/01/16 and notice given to the defendant.

4) despite repeated requests for payment the sum of £2,693.17 remains outstanding.

And the claimant claims.
A) the sum of £2,683.17
B) interest pursuant to s69 county courts act 1984at the rate of 8% per annum from date of assignment to the date of issue, accruing at a daily rate of £0.588, butlimited to one year £161.14
C) costs.

Amount claimed £2844.31
Court fee £105.00
Legal rep cost. £80
Total £3029.31


Is the debt Statute Barred? No

- - - Updated - - -

Morning, No I haven't as yet had no idea what to do as never gone through this before.

[nemesis45]

Re: County court judgement Lowell.

[QUOTE=Allbee1;686721]

If you give as much detail regards the debt the beagles will be able to help you..

[B][SIZE=3]Received a claim?
Issue Date: 27/10/16
Amount approx: 2683.17
Claimant: Lowell portfolio I ltd
Solicitor:Lowell solicitors ltd
Original Creditor: vanquis
Particulars of Claim:
1) the defendant entered into consumer agreement with vanquis

2)defendant failed to maintain the required payments and a default notice was served and not complied with.
3) the agreement was later assigned to the claimant on 26/01/16 and notice given to the defendant.

4) despite repeated requests for payment the sum of £2,693.17 remains outstanding.

And the claimant claims.
A) the sum of £2,683.17
B) interest pursuant to s69 county courts act 1984at the rate of 8% per annum from date of assignment to the date of issue, accruing at a daily rate of £0.588, butlimited to one year £161.14
C) costs.

Amount claimed £2844.31
Court fee £105.00
Legal rep cost. £80
Total £3029.31


Is the debt Statute Barred? No

- - - Updated - - -

Morning, No I haven't as yet had no idea what to do as never gone through this before.

Ok, you can acknowledge service the claim as Money Claim Online state intention to defend in full, but do not make any statement(s) in defence at this stage.

This will give you 28 days to enter your defence from the date the claim was Issued.


Next, A request for a copy of the Vanquis agreement (CCA Request) to be sent to Lowell Portfolio 1, There is a template for you to use in the " green box" at the top of the " Court Claim " forum. There is a £1.00 statutory fee to pay use a postal order marked " For Statutory Fee Only" Lowell has 12 + 2 Working Days to comply. It's best to use signed for post so you can check the delivery date and signature.


Next: A request made under the provisions of Civil Procedure Rule 31.14 (CPR request) (no fee) this is specifically for the documents mentioned in the Particulars of Claim in this claim, The Agreement, The Default Notice and The Notice of Assignment, this goes to Lowell Solicitors there's a template in the green box for this, send by signed for post..

There will be help here on LB all the way through the process.

nem

[Allbee1]

Re: County court judgement Lowell.

Ok thank you I will start this process today. I'm sure I will be asking some silly questions so I apologise in advance for this. Thank you all for your help.

[nemesis45]

Re: County court judgement Lowell.

Ok thank you I will start this process today. I'm sure I will be asking some silly questions so I apologise in advance for this. Thank you all for your help.

Hello Allbee,

No apology needed if you have any questions we'll try to answer them.

nem

[Allbee1]

Re: County court judgement Lowell.

Hello, do I send both the CCA request and the CPR request at the same time in the same envelope or separately ?

[charitynjw]

Re: County court judgement Lowell.

CCA request + £1 to Claimant.
CPR letter to solicitors (no fee)
Addresses per court claim form.
Keep copies & get proof of posting.

[nemesis45]

Re: County court judgement Lowell.

Hello, do I send both the CCA request and the CPR request at the same time in the same envelope or separately ?

No Allbee,

CPR request to the Solicitors CCA request to the claimant.

nem

[Allbee1]

Re: County court judgement Lowell.

on the CPR form do I put vanquis where it asks for the creditor or Lowell, thanks AGAIN

[charitynjw]

Re: County court judgement Lowell.

on the CPR form do I put vanquis where it asks for the creditor or Lowell, thanks AGAIN

???
The example CPR letter has the Claimant's name/address on top, even though it is sent to their solicitors.

[Allbee1]

Re: County court judgement Lowell.

I'm sorry I meant the CCA, this can be confusing........ Also on the CPR form what date do I put after it says , I require inspection of documents you mention in your statement of case ahead of filing my defence on XX XXXX 201X. Also do I put all particulars of claim as listed on my claim form here. sorry for all the questions.




1. Agreement / Contract
2. Default Notice
3. Assignment
4. Formal Demand

[charitynjw]

Re: County court judgement Lowell.

To enable me to file my defence and/or counterclaim, I require inspection of documents you mention in your statement of case.

Is sufficient.

Also do I put all particulars of claim as listed on my claim form here.

You just ask for any documents mentioned in the particulars of claim. There's no need to quote the full particulars.

[Allbee1]

Re: County court judgement Lowell.

sorry I'm still confused to who I put as creditor on the CCA form would it be vanquis who I originally had the credit agreement with ?
If so what is the address if anyone knows ? TIA x