Name of the Claimant ? Lowell portfolio ltd
Date of issue – 08 jun 18
Particulars of Claim
1)the defendant entered into a number of consumer credit act 1974 regulated agreements with provident personal credit limited under account reference xxxxxxxx which is formed of the agreements which are numbered xxxxxxxxx,xxxxxxxxx,,-(the agreements)
2)the defendant failed to maintain the required payments and arrears began to accrue.
3)the agreements were later assigned to the claimant on 29/08/2014 and notice given to the defendant.
4)£1907 remains due and outstanding.
and the claimant claims
a)the said sum of £1907
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 £0.418, but limited to one year, being £152
c)costs
Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?
What is the total value of the claim?
Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? loans
When did you enter into the original agreement before or after April 2007? after I think
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 purchaser
Were you aware the account had been assigned – did you receive a Notice of Assignment? not sure
Did you receive a Default Notice from the original creditor? cant remember
Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no dont think so
Why did you cease payments? to be honest I completely forgot until I got a letter few weeks ago which I ignored as thought it was statute barred
What was the date of your last payment?again I cant remember as its been years
Was there a dispute with the original creditor that remains unresolved?
Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? no
sorry im not very good on computers ,its been such a long time I cant remember but my name has changed since I had the loan,
ive been married 7 years and I honestly cant remember making any payments' had a stroke in December 2013 so my memory isn't the best