janet37
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Everything posted by janet37
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I will do I am unsure how to do this, is there a letter on this site that I could use?
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I wrote a letter to the court in my defense as I w as unable to attend due to ill health, I listed in bullet points the history of the debt, I also said I believed the debt to be statute barred, eean though lowells said i had made a payment (I am 99% sure I never did,) In the letter that came from the court , it said the judge read my letter and on that evidence the SD is set aside,
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Yes it is. I am so relived,,, hope that this is the end of lowells years of harrasment, the help from everyone on here was invaluable , I was a quivering wreck at he start and had some very low days but it has been worth it..
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I have had a letter to day from the court it says It is ordered by consent The statutory demandand dated 15/012013 Is hereby set aside. Im so glad that this I think is over!!! thanks to all who gave help and encouraged me to fight!!
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I don,t think there is any PPI just a lot of charges on the credit card statements, I did have a letter from creation finance saying they were paassing to debt collector, I did send CCA demand to debt collecter and a SAR which I had no response to.
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Hi the CCA has no name on it \It is just a copy of a cca no name or anything else on it I am not sure how to post it but will have a go later when I get home. I did also send a SAR request which was ignored I then sent the follow up letter, I have copies of these but no proof of postage.
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It would of been under duress I was being harrassed by two DCA RED and Lowells thanks for your help yes court date 15 /04/2013
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I could do,, but it seems like a bit of a coincidence, they issued a SD around the same time I wonder if I made an offer to pay them in installments, but it seems that i have letters dated for the same time from RED DCA and LOWELLS to say that I have made no effort to pay so it doesn't make sense ,
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Would anyone be able to offer advise about this court hearing if the debt is not statue barred,
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I am sorry I feel like I have wasted peoples time but when I look back I was being bombarded with letters and SD for the one debt. I am so worried now would I continue with trying to get the set aside as the debt was in dispute or resign myself to the fact that I may loose my house?
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Hi just checked online and there is a cheque payment of 15.oo that cleared on the 11/03/2008 what so you think is the best thing to do? I t doesn,t give any detail about who to but I suspect they may be able to come up with the proof.
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Thanks would they have to show roof of the payment? I am like I say 99% sure, and have an array of letters from feb and march that say I have made no payments to them so it might be worth continuing down the SB route.
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Would you go to lowells or to BW legal as lowells have told me to correspond with them
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I am going through paper work it looks like red and lowell were both sending letters at the same time no wonder I am so confused, there is no letter or anything about a payment plan. I have a statement of account from lowell but I never had an account with Lowell
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Looks like I may have made a payment as on the previous SD issued on 26/02/2008..the outstanding amount is 3645.38 and on the latest it is 3630.38 so it looks like I am stuffed on the statue barr rule. I am just so confused as the correspondence is from RED I may have panicked and made an arrangement but I dont know who with
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No cant check it but I am more or less certain that I would not off as I was receiving letters from RED regarding the debt Not lowells, should I ask for proof?
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Hi guys advice needed please Had a letter from lowells. saying we can confirm on our records that you acknowledged the account by making a payment by cheque on the 05/03/2008 therefore the ilmitation act is not applicable in your case., I am 99% sure that I made no payment. I have been through correspondence and have found letters from red debt collection dated 11/03/2008 stating you have so far failed to respond to the statutory demand or entered into a payment plan. and then another letter from red dated 28/03/2008 stating that the time limit set by the court for reponding to the SD has now expired you must call and arrange repayment blah blah blah. theese letters are from Red Dca . Lowells didnt evan have the debt at that time I am unsure what to do now? Lowells have said that any future correspondence be sent to BW legal. we trust this clairifies the situation.
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Thanks I will have a read and start to get some information together , I have got a copy of statements with last payment on it, is there anything else I should be doing?
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Just a quick update I have received a court date for the 15/04/13 not heard from either lowells or the other lot so willl just wait and see.l
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Just had an Email from M LEECH asking me to ring him, thats after he emailed me to say he wont deal with me by Email!!
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OK will deal with that when I have to!
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Will I need to attend the court?
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Quick update have returned documents to court RE set aside, not heard from either lowells or from the other shower!! will just wait and see what response I get now. Thanks for all your assistance .
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I am starting to panic a bit the date the sd came into my hands was the 30/01/13 so I need to get this in this week I was going to take it thursday as i have a day off but i need to get it ready i have done some of it and will do the rest of it , what happens then will I have to wait to hear from the court?
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Thanks for that, When I take the SD to court why do I need to take copies I am sorry if that is a silly question but I have no Idea what to expect, or who to give it t o I have never been in a court before,
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