Thank you for your reply. Please accept my lack of understanding, I thought they had 14 days to respond to the documents requested on PAP.

An update on post - I received a reply from Mortimer Clark Solictors wrt PAP to the Halifax Credit Card on a letter dated 20 Jan 23, received on 25 Jan. I am unsure if the 12 + 2 days to respond are working days (ie Mon - Fri) ? The only info they included was a letter from Cabot stating referring my account to MC Solictiors, and my account was put on hold until they get a copy of the original credit card agreement. Can I ask how long to they now have to provide the agreement and the NOA? In addition, as in my original post - MCS also sent a separate PAP for a Halifax overdraft with the same dates. I responded to both PAP on 5 Jan 23 and I have no response to the Halifax overdraft. As the 12 + 2 days have now passed.... Can anyone advise what the next steps are pls? Many thanks in advance. R

Following on from my post - I received a second LBC from Mortimer Clarke Solicitors dated 16 Jan and received on 19 Jan 23. As previously posted MCS sent a LBC in Dec 21 and I responded within the timescale and received NOA (uploaded above) assignment, five statements and the default notice, and a statement of account. No CCA or terms and conditions. As they didn't comply fully to a section 78 request within the 12 + 2 days statutory period - (took them 11 months to send info). Do I need to reply to the second LBC? Many thanks in advance. Roo

Ok thank you D, greatly appreciated Roo x

Thank you for your reply. I will request again … ? As I put in the thread it took 11 months to receive what they did send after LBC.

Apologies July 2017

July 17

D, All I got was the NOA assignment, five statements and the default notice, and a statement of account. 2006 I think orginally Citibank if I recall. I did request the agreement however; nothing in what they sent. R x

I did that following the PAP on the site. So thirty days has well passed?

D I requested the agreement it was not supplied, and enclosed £1 postal order, which they deducted off the alleged balance. Requested 6 Jan 22 and received what I uploaded on 29 Dec 22.

20230105 - Notice of Assignment (1).pdf

Ok will do. Can a take a photo and upload as I do not have a scanner

Hi Andy Thank you for your speedy response. Since my last post and sorting out paperwork, I did receive a LBC for this account. My letter was the response to that correspondence. I requested a copy of the CCA and the DOA - there is no copy of the CCA enclosed and the DOA is just a letter? Am I right in assuming it needs two signatures? In addition, they only provided 5 months of statements? Unsure if I am barking up the wrong tree? I thought they have a timescale of 30 days to reply? Grateful for any advice. Given the short time scale should I reply by email or post (1st class signed for? Mindful back log of Royal Mail) Their letter was dated 29 Jan 22, received 3 Jan 23. Unsure when to count the ten days from - given they 'may' follow given up statue bared Aug 23?

Good Afternoon I have received a letter from Mortimer Clarke Solicitors acting on behalf of Cabot Financial for an alleged Opus Credit Card debt. I sent a CCA request (as on the forum) on 6 Jan 22, and the documents arrived (incomplete) on 29/12/22 - date of letter 14/12/22 nearly 11 months later.... apologizing for the delay!!!!. I am right in thinking they have 30 days to respond? I received an additional letter dated 29/12/22 arriving on 3 Jan 23, stating I had not responded to their request for income and expenditure... and I have 10 days to respond and they will refer to their client for further instructions .. The last payment to the account was made to the account in July 17, with no further payments made. I am unsure if I received a letter before claim... apologises as I have other accounts however; I note they deducted the £1 postal order I enclosed for the CCA request towards the alleged debt.. which I understand should not happen. I have two other accounts been chased by Mortimer Clarke Solicitors, with Halifax of which I have received a LBC now which I am receiving assistance with which I am grateful thank you. All of the accounts receiving last payment in July 17. I have not moved house since this date. Grateful for any advice how I respond to this letter, in absence of recalling if I received a LBC for this particular account. Many thanks in advance. Roo

With the regards to my post above - for the overdraft with Halifax, I do not recall signing a contract? Unsure if that makes a difference. Thank you.

I am unsure if I have to start a new thread however; I have now received a letter before claim for the the two accounts at the start of my thread from Mortimer Clarke Solicitors, both from Halifax, one for a credit card and one for an overdraft. Both letters were dated 9 Dec 22 however, due to the postal strike I did not receive until 17 Dec 22. For both accounts I made last payment in Jul 17, with the first missed payment on 1 Aug 22. Any advice how to proceed would be greatly received. In addition, do I need to reply by the 9 Jan 23 or the date I received. Many thanks in advance. Roo

No unfortunately not in Scotland. Good to know though

Thank you for reply I have lived in the same house since I made the last payment. So sit tight it is. Roo x

Hi Andy, Thank you for your reply, it is appreciated. Yes the last payment for both the overdraft and CC was 1 Aug 17, in fact I will double check it might of been I made payments 1 Jul 17 and the missed payments were from 1 Aug 17. I am right in thinking, these debts will become statue barred in Aug 23? I did think that is why they are pursuing now - however; they could still issue a letter before claim anytime soon - which could potentially lead to a claim to get through the courts before Aug 23? I have only received one letter dated end of October, yet have had about 10 messages left on mobile. Roo

Good Afternoon I have received a letter (2 separate letters) from Mortimer Clarke Solicitors chasing two debts with the Halifax stating if I do not contact them, their client Caboot Financial (UK) will look to obtain a CCJ. In addition, I have received several calls on my mobile, of which I have not responded too. Last payment was paid Aug 2017. I would be grateful for any advice on what are the next steps I need to take. Send a letter to state prove claim? Any advice would be greatly appreciated. Thank you. Roo

To clarify then - no contact with Lovell and submit a SAR to vodaphone? Thank you

Thank you. I will do this today.

Yes vodafone were aware of my current address. Will Lowell next step be to issue a letter of claim? Thank you for responding.

Thank you for you response. I have moved yes, but I have been leaving at my current address for the last eight years.

Good Afternoon, I am new to this site and after popping Lowell in my search engine, this amazing site popped up! After reading several posts on this forum I have plucked up the courage to post and ask for help. I had a dispute with vodaphone over two years ago after been a customer with them for 15 years. It all started when they changed their billing system and did not take payment for over 12 months and then I received a massive bill .. they continued to provide service until eventually they restricted use of my sons phone (on my bill) and then after three months put it back on.. They eventually cut my phone off and refereed to a DCA, name escapes me now.. I received a letter last June, stating unless I contacted them my case would go to court, three weeks later. I contacted them explained what happened and I never heard anymore from them until I received a letter from Lowell in May. In May of this year I received my first letter from Lowell, and have since received three more, offering a 30% and a 40% discount on my debt. The last letter received on 17 July stated that the 40% discount would apply until 31 July, before they take legal action. I was so close to calling them this morning to set up a payment plan as 40% off the orginal debt of £1187.71 is a lot of money, but then I found this site. I have read a lot about requesting SAR, but tbh I dont understand it. Shall I ring to set up a payment plan? if not I would be very grateful if you could advise my of the next steps. I am worried sick that it will be sent to court. Thank you in advance.