Name of the Claimant ? Lowell Portfolio 1 Ltd
Date of issue – 17 July 2017
date to submit defence 19 August2017
What is the claim for –
1) The Defendant entered into an agreement with Orange under account reference ..... ('the agreement').
2) The Defendant failed to maintain the required payments and the service was terminated.
3) The Agreement was later assigned to the Claimant on 18/12/2013 and notice given to the Defendant.
4) Despite repeated requests for payment, the sum of £465.45 remains due and outstanding.
And the Claimant claims
a) The said sum of £465.45
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 £0.102, but limited to one year, being £37.24
c) Costs
What is the value of the claim? £632.69 including court fees
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile phone account
When did you enter into the original agreement before or after 2007? After
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. Lowell
Were you aware the account had been assigned – did you receive a Notice of Assignment? No, received one letter and then County Court Claim.
Did you receive a Default Notice from the original creditor? I don`t think so.
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No
Why did you cease payments? I cancelled the account in full accordance with the original claimant's cancellation procedure.
What was the date of your last payment? 26th April 2012
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.
Hello everyone, first time here but I have read a few threads on here and seen the great work you guys do.
I`ve got this county court claim that came through (22/07/17) as stated above
I have gone through the necessary steps as stated in previous cases,
that is Acknoweledgement of service (26/07/17),
CPR 18,(27/07/2017) and now I am preparing my defence.
My question is to do with the reply for the CPR I got from Lowell Solicitors,
I received, the cover letter, the notice that they bought my debt and the notice of assignment from orange( very dodgey).
Will post attachment if needed.
My first question is,
in the cover letter they state that my last payment on 26/04/12 was for £60.72 but in actual fact I paid £120 on that day, as backed up by my online bank statement for that month,
should I mention this in my defence and if I should how would I word this properly?
Secondly because of the nature of the notice of assignment (no official logo, no traceble name, not very professional) is there a way to dispute the disingenuous nature of the letter.
Your assistance will be greatly appreciated .Thanks
Mike
