Hi Andy Any news regards this latest information. Having read the threads I do think I have messed up not hitting the dead line to acknowledge the claim. I also was never served with a final demand. Thanks Ricky

Hi Andy here are the points. I missed the deadline regards asking for an extra 14 days. I opened an account on government website gateway and asked for an extension at this time. I believe at the time of the request I thought I had the 28 days in total. BW Legal acknowledge receipt of my request for the documentation request on the 4th August, Judgement dated 7th August. This was my request, regards information about the claim. I do not have much information from BW legal. Only 3 letters. And yes the claim is regards my old bank account with the TSB. The letter from the court states the claim arrived late and had the 244 form with it. Sorry if I have misled you. I was totally confused before joining this forum. VW10

Hi Andy no problem will ask here. Have sent N244, Have letter from BW Legal states: They have received my request for documentation under s78 of the consumer credit act 1974. They have referred my request to their client who will have to request information form original creditors (TSB) The account will be placed on hold until the information requested is provided and which will be forwarded to you upon our receipt of the same. They will try to ensure the documents would be with me in 12 days. I did send a request for this information before the judgement. My Defence to the court was that I could not plead as I did not have all the facts regards this claim, Defence. is also that this claim is time barred. Thanks Ricky

Good afternoon Andy Have completed 244 and will send later today or first thing tomorrow, I have to phone the court to pay the fee, would it be possible to PM you later regards this matter, for more advice ? Ricky

Thanks Andy And after this has been returned I will then get a date for a hearing near my home address.?

Hi Andy Understand first part and second part. Do I have to say what (how much) costs amount is in my draft? hopefully will submit form next Monday.

Hi Andy Have no problem posting the particulars of the claim. New to this site and still working out where and how to post items. The Particulars are: The claimants claim is for the sum of £11,000 Being monies due from the defendant to the claim under a financial services agreement regulated by the consumer credit act 1974 between defendant and Lloyds tsb bank PLC Under account reference No 22013########### and assigned to the claimant on 04/07/2013. 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 2.11 from the date of assignment of the agreement to the date of issue) Being the amount of 763.82. My defence was not read by the courts because missed deadline. Need advice regards defence on form 244? Thanks Ricky

Hi Andy Have you retained copies of the claim/defence yes kept all paper work Claim is for bank charges from Lloyds TSB, agreement signed over 20 years ago. Did make claim for illegal selling of insurance, regards credit cards and sickness insurance, informed claim would be kept on file.? Posse did get a letter last year stating account, has been passed to Lowell portfolio who have instructed BWlegal. to collect take action date on judgement for claimant letter 7th Aug 2014 Anything else ? Thanks Ricky

Hi New to forum need advice regards CCJ Have letter from country court judgement entered against me regards debt £11.000 to BW Legal. Have been sent judgement for claimant (In default) and appeal form n244. I filed a defence but missed deadline. Requested information from BW Legal no response. I do feel there has been an abuse of process regards this claim. They have written letter saying that a statutory demand was delivered to my address, By a Receivables company. This did not happen, as I was at home for the appointment no one called. I also believe this debt is time barred as I have not had any contact with Lloyds bank for over 6 years. They have written here (Home address for a couple of months last year. I have also not been served or received a default notice from the company, BW Legal but on the claim form is states a default notice has been served and not complied with? I am appealing this judgement any help Thanks