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lukesshenry

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  1. lukesshenry
    So I just continue to Ignore?
  2. lukesshenry
    Bryan Carter said they received my defence and wish to continue unless I paid up. (I ignored) Received SC Track today from The court office at the county court business center
  3. lukesshenry
    I have received notice of proposed allocation to the small claims track this morning, what should I do now? Seems this just does not want to go away!
  4. lukesshenry
    SB defence has been submitted thanks all for your help on a Saturday morning I really appreciate it. I will update you as I go along (Not sure what to expect yet) Enjoy the rest of your weekend.
  5. lukesshenry
    After speaking to O2 and carter this is what I've got to work with Carter: 03/04/2010 default 27/01/2011 debt purchased ****** account number online 18 month O2 opened in 20/04/2009. And Phone disconnected on 05/11/2009 No details of any payments
  6. lukesshenry
    Claim has been acknowledged and I have selected defend in full. So I now send a Statute barred defence? Is it worth the CCA request? How long have I got to submit the defence, should I find out more info first or go for it?
  7. lukesshenry
    No I cannot remember it at all i'll call Bryan and Carters for info and get back to O2 and see what I can muster up. Thanks
  8. lukesshenry
    Name Mr XXXXXXXX Terms 0 @ £ 0 (Monthly) Status Defaulted Current Balance £ 460 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 460 Start Date 20/04/2009 Date Updated 15/05/2011 Date Last Delinquent Date Satisfied Default Date 03/04/2010 This is all the info I have from equifax. O2 do not have info of the account when I spoke to them (conversation saved) Sorry I can't be more helpful with the info.
  9. lukesshenry
    Just spoken to O2 via online chate and they do not have an account for my name and address or any address that I have previously lived at, I have saved the online chat.
  10. lukesshenry
    Name Mr XXXXXXXX Date of Birth 12/05/1989 Terms 0 @ £ 0 (Monthly) Status Defaulted Current Balance £ 460 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 460 Start Date 20/04/2009 Date Updated 15/05/2011 Date Last Delinquent Date Satisfied Default Date 03/04/2010
  11. lukesshenry
    Name of the Claimant ? Lowell Portfolio LTD Date of issue – . 06/10/2015 What is the claim for – O2 Phone bill 2010 What is the value of the claim? £580 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile O2 When did you enter into the original agreement before or after 2007? 2010 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. lowells Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Was not aware this existed What was the date of your last payment? never made one Was there a dispute with the original creditor that remains unresolved? Not that I am aware of Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No Thanks for the quick response
  12. lukesshenry
    I had a letter last week from Bryan and Carter saying they are legal representation of Lowell Portfolio 1 Ltd and that I have an outstanding O2 Phone Bill from 04/2009 for £460. They said if I did not pay up they would issue a CCJ against me. I gained a copy of my credit report and noticed there was a default dated 03/04/2010 from Lowell. 2 weeks later (Yesterday) I had a claim form come through from the court with a CCJ notice to which I have limited time to reply for the amount of £582 I called Bryan and Carter and asked for a copy of the credit agreement and they were very rude I said I did not recognise the debt and needed more details to investigate the issue. Can they do this or is there any other way around this other than paying the money without even seeing a copy of the credit agreement? Thanks for your time reading this.

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