macker16
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Everything posted by macker16
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Unfortunately he doesn't know what it is for. Total amount is £785.87
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Hi I'm looking for some advice on behalf of my partner who today has received a notice of issue of warrant of control. Now my understanding is that bailiffs usually get involved when a ccj has been issued so my partner checked his credit file and it seems a ccj was issued by Lowell in October 2017. In April 2017 my partner left the address that he had been living at for 4 years and then spent 5 month's at his mums address and then moved in with me in September 2017 and has been on the electoral since that date. He has never received any court paperwork about any of this until today when the notice of issue of warrant of control was delivered. Can somebody advise what we can do? Many thanks Macker16
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PRA - Old Quick Quid Debt
macker16 replied to macker16's topic in Quick Quid and associated trading names
No PRA are not aware, I have not had any communication with PRA. -
PRA - Old Quick Quid Debt
macker16 replied to macker16's topic in Quick Quid and associated trading names
At the time I had other PDL's and in the past 3 months I have already contacted QQ about this but they say it was all done correctly so I am now going to escalate that to the ombudsman to deal with but first need to get my bank statements as its over 6years old. I will write to QQ. Thank you for all advice given, much appreciated. Macker16 -
PRA - Old Quick Quid Debt
macker16 replied to macker16's topic in Quick Quid and associated trading names
I have no other paperwork from Pra other than a statement of account which only shows the agreement date and how much is owed. I don't recall seeing a notice of assignment. -
PRA - Old Quick Quid Debt
macker16 replied to macker16's topic in Quick Quid and associated trading names
The only proof I have that shows the date to be incorrect is the default notice that quickquid sent me via email and also my bank statements that shows that no more payments have ever been made. There was never any payments or communication with Pra so totally confused as to where the date has come from but I know 100% that it is now over 6yrs old and should not be appearing on my credit file but because of the wrong date it is. -
Hi Looking for some advice on how to approach my situation . I had a quickquid loan back in in 2012 and the last loan i had was August 2012. PRA have ownership of this debt and have have today sent me a statement of my account that correctly shows the agreement date as August 2012. I set up a payment plan with quickquid and have the default notice on email showing the date of 26 September 2012 but my credit file shows 26 March 2014. I have previously taken out a dispute with the credit reference agency Noodle and they have contacted PRA who have said the date is correct. Where do I go with this as the debt is over 6 years old and the default date is incorrect on my credit file. Any advice is greatly appreciated Macker16
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Hi Andy, thank you for your reply. I've received absolutely nothing from the court, only this letter from Lowell. Not phoned the courts as they had closed by the time I got home from work and received the letter. So do I do nothing about payment until I receive information about the judgement from the courts?
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Hi On Friday 20 July I received a letter from Lowell asking for 1st installment to be paid on the 23Rd July. They have said installment amount is £4428.29 and is monthly which is obviously an error on the monthly amount as £4428.29 is the full balance my question is should I wait for paperwork from the courts as I've had nothing from the court since the hearing date on the 9 July and i thought it would be coming from the courts. I also think it's unrealistic for Lowell to send a letter asking for a direct debit to be set up with 3 days notice of the first payment date and then threaten enforcement action if I don't make payment in accordance with the ccj. Any advice gratefully received. Macker16
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Thank you, i will wait and see what turns up.
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He just allowed the solicitor to go through all the additional fees and interest she wanted adding onto it which the judge said maximum was £600 and he said that would be added onto the existing debt and then it was over so I don't know what I do now.
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It's so wrong! What happens next,do Lowells now get in contact with me to arrange payment or is it the courts that contact me as nothing was explained.
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Do you mean did he ignore everything I said about the electronic signature does not over idea the cca1974 and they should still have provided a credit agreement then yes. He just kept saying that I wouldon't have agreed to the t&c on the website and didn't care that they had not provided any of the info that just have been produced.
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Is there anything else I can do as there has been another post on here where lowell were the claimant and used the same documentation as the credit agreement and that judge ruled in favour of the defendant!
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Just to update you that lowells,the judge allowed them to get away passing the digital online application as the credit agreement.....feeling devastated at the moment.
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Hi everyone Just a quick one, I'm back in court tomorrow and have just been going through all my paperwork and have just noticed that the account number on the witness statement is different by one number, can I use this against them? Thanks in advance for in advice Macker16
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Hi everyone Just to let you know that I received a call from the courts late yesterday informing me that the hearing has been cancelling due to them no longer having a judge and the case will be re listed as a priority. Macker16
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Hi Everyone Now received Lowells Witness statement but delayed in posting it due to internet problems. The only thing they have added in it that concerned me is their explanation for the electronic signature, which I have attached. What do you think? Does this change it that they will now get by without having to provide the credit agreement as they say that I would have put a tick in a box? Court date is on Thursday. Thanks in advance for any replies. Macker Lowells WS.pdf
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Hi Just to update you that the hearing was adjourned. I informed the judge that I had not received a copy of the claimants ws and because the judge had received a letter with his ws stating that the defendant had also been served a copy of the WS he then gave me the choice to take 5 minutes now and read it or adjourn it, so I chose to have it adjourned rather than feel rushed. I'm fairness to the judge he wasn't happy that I did not receive a copy of the WS but said he had to be fair and give the claimant the benefit of doubt as they had documented they had sent it. To be continued.... Macker16
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I am definitely going to bring it to the judges attentions. Again it just shows that they don't provide documentation even when ordered by a judge! The thing is I don't want the judge to adjourn the hearing because I've not had sight of the claimants ws and therefore have not had time to prepare whereas they have. Like you say, a good judge should strike it out as they have not done as the court order has instructed but some judges make some strange decisions and would view it that the court has received the copy which to them would be the most important of the two....If that makes sense. Macker16
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Thank you for replying. Its unlikely that I'll now receive the document from the court before the hearing. I'll say that to the judge, will update you if I receive ws before the hearing. Thanks again Macker16
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Hi just to let you know that I've still not received a copy of the claimants ws so I contacted the courts who confirmed that they received it on the 18 April. I told them I was suppose to also receive a copy 14 days before the hearing but haven't so thet asked me to make my request by email. How is this now fair as the hearing is on Wednesday and I've not had sight of their WS and therefore feel at a bit of a disad vantage here. Anything else I can do? Macker16
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Will wait and see then.
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Hi I've submitted my WS and would have arrived in time but I've received no WS from the claimant, should I of received something by now? Macker16
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By the headers do you mean the bit at the top that says In the ......... County court Claim number Between Claimant And defendant Then Witness statement of. ....... As that is what I've currently got And I'll ask the same question again as I've had 2 different answers previously on the forum, do I sign the copy of the WS that I am sending to the claimant? Many thanks Macker16
