Apologies for posting templates! I've just had a response from today Lowells dated 25th sept to my first letters (above in first post). they have passed on the first CCA request to Fredrickson International but for account based stuff they need a SAR. This stuck out though. "We are unlikely to hold any statements or the agreement from your original creditor"

Or this one? REMOVED please do not reproduce templates in the open forum - DX

How does this read? REMOVED please do not reproduce templates in the open forum - DX

Ok new fight in me. This is a pre 2007 cca so I believe unenforceable unless they can pull a signed CCA out of their bumholes. I'm sending the £1 request in the morning to Lowells, do I need to send a copy to Carter as well? Is it still unenforceable even though I paid towards it in 2010/2011?

I know it pains me and I'm stil torn. BC make me sick. Is that correct? Losing and paying in full means no CCJ on my record?

Thanks, a bit overwhelming for the beginner I must admit. Probably not the answer you guys want to hear but I've weighed up the pros and cons and for the sake of my sanity I just want to pay it, avoid the CCJ and be done with it if possible. My prblem is that I've answered the claim saying I want to defend and can't seem to change it.

Should I phone Carters and ask them to set up a Tomlin Order?

I've checked the dates in the letter with my bank account and there was a payment of £50 to JB Debt Recovery. It was at a time where i was clearing up a few other debts, I cant really say if it was under duress, there were a lot of letters and calls.

I cant seem to change my plea on the MCOL site to full admission. Am I stuck defending? I really want to avoid a CCJ.

Hi, thanks for your time. Don't worry, these are from another forum I have had an update as I was typing this out. Had a letter from Carters claiming I made a payment of £50.00 on the 2nd August 2011. (providing no proof). However I've just checked my account and I think I'm stuffed. 02 Aug 11 £50 J B DEBT RECOVERY CD 5435 Is it over? How would I avoid the CCJ (which would be my main objective now).

Received a claim? Yes Issue Date: 17-9-2014 Amount approx: 900 Claimant: Lowell Solicitor: Bryan Carter Original Credit: HFC Bank Particulars of Claim: The claimants claim is for the sum of £750 being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant HFC Bank Ltd under account ref xxxxx and assigned to the claimant on 01/09/2006 notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. Stat Barred? Yes Have sent: Acknowledged the Claim, Sent a CPR 31.14 request Other Info: Hi, I've received a claim form on the 19th from the court and wondered if anyone could clear up a few details if possible. Bryan Carter solicitors are acting on behalf of Lowell Portfolio Ltd and they chasing an old debt I had with HFC bank which was assigned to Lowell in 2006 (according to the court claim form). I'm 99% sure this debt is Statute barred and these "people" are chancing it. I've been reading around for a few hours and so far I've logged into moneyclaim.gov.uk and I confirmed "intention to defend all of this claim". I've also borrowed and sent a couple of letters (thanks to the people who put their time and effort into it ). My questions are: 1. Will I receive confirmation from the court that I have 30 days from the issue date (17th sept) to enter a defence online. 2. Is it worth submitting a SAR request to HFC Bank along with the 2 letters below just to remove the 1% doubt about it being statute barred? 3. Am I doing it right? 4. What should I expect next? Thanks. The first is this letter which I sent recorded delivery on the 22nd sept to both Lowell and Bryan Carter. The second letter is this one which is a bit longer (sorry!) I received the following reply for Carters yesterday. I cant post URLS but it was along these lines. We write further to your request for disclosure under Part 31 of the civil procedure rules. Someone has suggested going down the embarrased defence route and sending the following letter next along with another request for info to lowells which is also shown below.