What are the next steps to acknowledge the claim and start writing a defence? Is it worth trying to defend the claim as all but one have had payments made within the past 6 years. I was sent some documents from Lowell but none of which look very legit. Any help greatly appreciated.

Which Court have you received the claim from ? COUNTY COURT BUISNESS CENTRE Name of the Claimant ? LOWELL PORTFOLIO I LTD Date of issue – 11 FEB 2022 AOS - 1st march defence filing date : 15th march Particulars of Claim What is the claim for – the reason they have issued the claim? 1) The Claim comprises the following Agreements the Defendant entered into: a. Hutchinson 3G UK Limited with reference xxxxxxxxx current balance of £220 b. Hutchinson 3G UK Limited with reference xxxxxxxxx current balance of £370 c.British Telecommunications PLC with reference xxxxxx and current balance of £90 d. Sky UK Limited with reference xxxxx and current blance of £90 The agreeements were terminated as payments were not maintained and subsequently assigned to the Claimant. And the Claimant claims: a)The total of the said sums being £ 900 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from date of assignment to the date of issue, but limited to one year, being £70. c) Costs What is the total value of the claim? £1100 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes Did you inform the claimant of your change of address? No Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? MOBILE /TELECOMMUNICATIONS CONTRACTS When did you enter into the original agreement before or after April 2007 ? After Do you recall how you entered into the agreement...On line /In branch/By post ? Online Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? No 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. Debt assigned to LOWELL PORTFOLIO Were you aware the account had been assigned – did you receive a Notice of Assignment? LOWELL have sent copies of notice of assignment Did you receive a Default Notice from the original creditor? Can’t remember Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? No Why did you cease payments? Couldn’t afford to keep up with payments What was the date of your last payment? 2018 for 3 MOBILE accounts, 2017 for BT, no payments to SKY 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

Hi, I have received a reply from Overdales! They enclose a final BT bill, and a final bill from only one of the Three mobile contracts but 2 sets of statements for both the 3 accounts listing payments etc I'm not sure who these are from Three or Lowell as they are printed on plain paper. They also say to log onto the sky account to view statements. Just wondering where to go from here do I request more info? As they state if I do not respond they my issue a court claim.

Hi again, Have received a response from Overdales with the 'notice of assignments' for each debt. They also state that they have raised a query with Lowell with regards to the other documents I requested. They also say that the account with Sky can be accessed online. So I suppose it's a case of waiting to see what Lowell say?

Have been doing lots of reading. Is it worth sending a SAR to the original creditors or is this a waste of time and worth waiting to see if Overdales/Lowell will stump up with the docs?

Ok thanks will have a read. I don’t know if I made clear two are mobile contracts but the other 2 are Sky and BT tv/broadband contracts would these be covered by the CCA?

2 are mobile phone contracts, 1 is BT and the other SKY.

There are four separate claims/accounts that they have put together so I’m assuming a CCA request for each and a £1 PO for each?

Great thank you! I will use your form to send the PAP back to them ASAP. Who do I send the CCA request to Overdales? Along with the PAP

Hi yes they have included a PAP pack.

I have just received a letter from Overdales Solicitors on behalf of Lowell for various debts dating back to 2012 -2015 over a period with I was struggling financially. I have just manage to start to re building my credit file/score after years and do not want anything to jeopardy it as the letter is threatening a CCJ if I do not respond. Any advice would be greatly appreciated.

Yeah, It said they were proposing a scheme for customers who may have claims for unaffordable loans received from provident between 2007-2020 and to vote yes or no. So even if I vote no, does that mean I cannot try and claim through them directly? What if the scheme isn’t agreed to?

Hi, just after a quick bit of advice. I had two provident loans around 7 years ago when I was struggling financially. I recently received an email from provident asking whether or not to agree to a scheme of arrangement. What should I do agree or try to claim another way? I had no idea that I could try to reclaim as would have done so sooner! thanks in advance!

Thanks for your replies. I think the last time it was used was in 2011 when it was opened. It’s still saying I owe £200 but Moorcroft have said they will settle for £60. Moorcroft have Barclays as the client.

Hi I had a student account with Barclays with an overdraft of £200 it was opened in 2011 and stupidly I neglected the account because of lots of reasons including moving address a lot around that time. It is now showing as a default on my credit file with first default being last year. It’s really affecting my score and has now been passed to Moorcroft. Surely it can’t take 9 years to put a default on the account? If any one could help with this it would be appreciated.

Thanks for the reply! So it’s a case of waiting for them to drop off credit file some defaulted in 2016 so should drop off credit file next year 2022? Does this mean Lowell can still chase for debt indefinitely even if no longer on file?

I’m currently trying to improve my credit rating as looking to get a mortgage but stupidly got into financial difficulty a few years ago and have a few defaults on my credit file, most have been passed onto Lowell. Some are more recent but some I can’t even remember what they are for. If anyone could help with how best to approach these it would be greatly appreciated.

Received a letter a few days ago to say that the claim has been discontinued! Would like to say a big thank you for all your help and advice!

Hi have received letter today stating that a trial date has been set. What do I need to do now wait to see if they pay the court fee? Should I be thinking about my witness statement yet? Thanks

Ok will get onto that. So do I need to send Capquest a CCA? As they must have my correct address?

Yeah I have moved quite a few times I have never informed them or next but seem to get the letters through after a while I haven't heard anything about this next account in a while and I've lived at my current address about 2 years.

Do capquest use any other names? I made payments to some debt collectors and tried to set up some payment plans a few years ago when debts were mounting up, but can't recall making any payments to capquest. Just worried if I made a payment to one of there linked companies it might not be statute barred.

I took the account out in 2007 and stopped making payments in 2009 when I became unemployed and could no longer afford to pay the account.

Hi, I have received a letter from Capquest for a Next debt saying if i do not contact them within 14 days they will consider commencing court proceedings. What should I do? Should I respond? Any help here much appreciated.

Its for a old Next account