Hi There Sorry to be an idiot, but now I have done that entry - how will i know that its been cancelled and no ore action will be taken by them or the courts ? thanks

Yeah sorry - so I engaged my brain and read the posts in full and have managed to do that. I am really sorry that I had to keep asking questions I was just very nervous and worried about it all. Many Thanks to dx100UK and shamrocker for your patience. Do I need to wait to do anything now ? if there is a thread or advice on this already tell me what I should read. thanks

Hi Really sorry to mither - I have managed to log on now but it says about 14 days and it was issued on 13th October - so this falls outside that - do I need to "Start AOS" or am I still OK to "Start Defence" Sorry - pain again. I am on a page that says state your defence in a maximum of 122 lines - what should I place in this box please

Thanks again, you are amazing. I have tried to register on that MCOL but it keeps giving me an error - when I enter my details of name and address, it has given me a GG number is there nay other advice ?

Hi MAte thanks again for replying and taking time out - I really appreciate this. I have just spoken to a lovely lady at JDW who has given me the information below: Last order 26/06/2009 Last payment was prior to 22/09/2009 (they dont keep details after 6 years she told me so this is as far back as it goes on their system) There is an entry of 07/06/2010 for this being sold to a debt collection agency Does this info help at all ?

Hey Thanks for hte fast reply. The catalogue account was in my name yes. I have tried to look into the statue barred angle but not sure I understand it fully. thanks in advnace

Hi There Thanks for all the help I have had from people in the past just reading these forums - this kind of thing is why the internet was invented. I have now a personal plea for help if you people would be so kind, I think this is the right format: Name of the Claimant ? LOWELL PORTFOLIO I LTD Date of issue – 13 OCT 2016 What is the claim for – 1. the defendant entered into a consumer creditic act 1974 regulated agreement with JD Williams *********( the agreement) 2. the 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 the 31/03/2014 and notice given to defendant. 4. despite repeated request for payment the sum of £1430.00 remains due and outstanding And the claimant claims a) the said sum £1430.00 b) interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.313, but limited to one year, being £114.40 c) Costs What is the value of the claim?£1544.40 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? CATALOGUE CREDIT ACCOUNT When did you enter into the original agreement before or after 2007? NOT 100% AS ITS DROPPED OFF CREDIT FILE ALSO 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. IT WAS ASSIGNED TO LOWELLS Were you aware the account had been assigned – did you receive a Notice of Assignment? NOT SURE - A BITTER DIVORCE ENSUED Did you receive a Default Notice from the original creditor? NOT SURE - AGAIN I WAS OUT OF THE HOME Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? NOT SURE - SAW A NUMBER OF LETTERS TO MY PARENTS HOME IN THE LAST 6/8 MONTHS AS IT HAS BEEN ABOUT TO DROP OF MY FILE Why did you cease payments? MOVED HOUSE THROUGH A BITTER DIVORCE AND ASSUMED EX WAS TAKING CARE (stupidly) What was the date of your last payment? THE DEFAULT WAS ISSUED JULY 2010 SO BEFORE THIS DATE Was there a dispute with the original creditor that remains unresolved? NO Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? NO Thanks in advance