I have posted a similar thread before for Brian Carter is he the same as Lowell if so just wanted to clairify the first course of action is to go on MCOL site and defend all, secondly request CCA, the original date of account was 8/8/07 and I did pay something but am more than sure I have not paid anything to them in the last 6 years. Please can someone just let me know if this is correct course of action. Greatly appreciated Mashmallow

Hello. I am new to this and sure not what i am doing. I have never used a forum. I have recently recieved a letter from the above which has now followed by a statement of means for £8, 506.74. This i believe has something to do with Abbey National which is now Santander. I originally had an overdraft for £250,only. How this has got to this is through i guess bank charges. I have no records of the original overdraft or any paper work as i no longer bank with them. I have ignored them as i was told that the letters are just threats. I could never pay this back as i work parttime and feel that they have taken advantage of the situation. The court letter seems weird as it comes from local court in my area and then has big red stamp saying return to basildon. Really worried and stressed as i have only a day to send it off. please could someone advise as i dont even know if i am doing this right and where to find the reply should someone advise me. Very new to this Regards and thankyou.

Hi Everyone.....Help! Court claim for 8760.55 default date October2013 MKDP then Robinsons I,m fuming...ive been on them since November 2014 and sending me letters saying they cant find any details its too old. i have sent this to the court in my defence. I do not recognise this debt, the particulars of this claim of the claim are vague and generic in nature. I also do not recall recieving a default notice or any advance notice in warning. I Have queried this since November 2014. Communication from the claimant has not been forth coming and they cannot confirm existence of the debt. Have asked numerous times for documentation in relation to this and am told it is too old to locate any original agreement from 2002. I therefore do not accept any liabilities for any monies the claimant is asking for. As per civil procedure I therefore ask that the claimant prove the allegation that the money is owed and also how myself had entered into an agreement with the claimant

Hello Everyone, I had few hundred pounds stuff ordered from shop direct in 2013 . I didnt like the stuff and sent it back , I got email confirmation that shop direct will refund in my account which they never did . I have more then 25 emails which I sent them and their replies that they have received the goods back and they will credit the account they never did. Three years later I got latter from Lowell demanding £3182 and its going higher day by day. I requested CCA AND CPR on 11/12/15 . I requested , 1. Agreement / Contact 2. Default Notice 3. Assignment 4. Formal Demand But instead I received the Lowell made documents today which they will present in court. I have attached here. ( PLEASE HELP i have never been to court and dont know what to do ? There are more documents here... Thank you Andy ..I haveattached court documents here. docs1a.pdf

Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 01 March 2016 what is the claim for – 1.Claim for the sum of £7015.01 in respect of monies owing under an agreement with account no >>>>>> persuant to the Consumer credit act 1974. The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the Claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the defendant persuant to s.87(1) CCA. 3.The Claimant claims 1. The sum of £7017.01 2. Interest persuant to s69 of the County Court Act 1984 at a rate of 8.00 percent from the 11/04/12 to the date hereof 1416 is the sum of £2177.10 3. Future interest accruing at the daily rate of £1.54 4. Costs What is the value of the claim? total £9702.11 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Before 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. Assigned 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? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Dont think so Why did you cease payments? Divorce and lack of funds What was the date of your last payment? Not sure June 2010 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 plan? No I have filed my acknowledgement of service (10/03/16) and sent a CCA request to Hoist and a CPR 31.14 request to Howard Cohen, no response to either yet (received 18 and 17th March respectively). I am hoping fo some help in filing a defence which needs to be by 2 April 2016, I think. Thanks in anticipation

hi there, ive received papers from the county court business centre for a debt i do not own, never owned or even acknowledged, how do i defend this? do i need to CCA request lowell? if so i presume its a template letter, which one? what do i enter in the defence or do i leave it blank and await details? ive acknowledged via mcol so hae more time, any advice needed please.

Hi all, Need some help please. Have received a summons from the Bulk Handling Centre for an old Orange Mobile Debt - About 4 years old roughly. Date of Issue: 06/04/16 - Acknowledged - 08/04/16 Details of claim; Claimant: Lowell Portfolio Ltd Defendant myself POC (1) - The defendant entered into an agreement with Orange under account reference xxxxxxxx ("the agreement"). (2) - The defendant failed to maintain the required payments and a default notice was served and not complied with. (3) - The agreement was later assigned to the Claimant on 19/06/2014 and notice given to the Defendant. (4) - Despite repeated requests for payment the sum of £176.54 remains due and outstanding. And the Claimant claims; (a) The said sum of £176.54 (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 £0.039, but limited to one year, being £14.12 © Costs I have acknowledged the Service online with MCOL. I'm no expert here but I've been reading through other threads and it seems the wording is incorrect on the claim form, being it was a Contract for Services rather than an Agreement. Am I still able to send a CPR Request in order to get their ownership of said debt? Can someone please help me a little. I'm drafting documents as I type this but running into a little blank moment from reading so many comments.

Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue - 20 June 2016 What is the claim for – the reason they have issued the claim? PoC as follows:- 1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Lloyds Banking group PLC under account reference xxxxxxxx ('the Agreement'). 2)The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3)The Agreement was later assigned to the Claimant on 17/06/2015 and notice given to the Defendant. 4)Despite repeated requests for payment, the sum of £9222.34 remains due and outstanding. And the Claimant claims a) The said sum of £9222.34 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 £2.021, but limited to one year, being 737.79 c)Costs What is the value of the claim? £9960 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Unsecured Loan When did you enter into the original agreement before or after 2007? 2008 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? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? No spare money What was the date of your last payment? Jan 2014 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? I had in the past, used Payplan and ran out of money so not anymore. I do not recognise the Account reference number (the agreement) on any of the paperwork I have it doesn't correspond to any of it and the loan was with Bank of Scotland Any help/advice appreciated, am aware of timings so have already been to MCOL and acknowledged the claim and ticked defend. Not sure if I should CCA Lowell Portfolio and CPR 31.14 Lowell Solicitors

Hi all , I have a defaulted barclaycard account which was sold to MKRR recently, ouststanding balance about £4500. I have been passed from one dca to another over the number of years that i have had this account set up payment plans then things have happened so they havent been stuck to, it then goes quiet for a few months and then seems to get passed to different dca i have received 3 letters to date first 2 were to inform me that barclaycard have assigned and transferred my account to MKDP LLP etc the third one i received today from MKRR asking me to contact them to set up payment plan quite a nicley worded letter and very non-threatening actually ! Having read all the posts on MKRR im slighlty curious about exploring the possible loopholes that might be avaliable to me not really sure about what is the first letter to send to them and quite nervous about what is the impact of going down this route if it is unsuccessful

Hello, Please help me on what to do as I have received a CLAIM FORM from Hoist Portfolio Holding 2 LTD in Jersey, representing Howard Cohen and Co, in regards to a remaining balance over and old Barclay's credit card. Left unused since 2011. The claim is asking me to repay a balance of £3272.83 the debt was assigned by MKDP LLP (ex barclaycard) and also adding £1255.99 on interest. The letter is dated 17th of May 2016 and is giving me 14 days, (passed 4 days ago) to reply. or a Court Judgement will be issued. Please advise me on what to do next?? Kind regards

We had an account with TalkTalk a couple of years ago - they were not very good but we sold our property and changed provider when we did. At that time we sent letters to all the necessary service providers giving them the new address, final readings etc. I had to write to TalkTalk twice as they maintained they never got the first advice but as we had paid up to our final day and the property which we sold was being developed (so no further usage was possible) we did not owe them anything. We have heard no more (though I believe we got a final bill for £0.00 shortly afterwards) until 10 days or so ago when a letter arrived from them saying they had sold our "debt" of £185 odd to Lowell Portfolio. Checking this company on line they appear to be bottom feeders of the worst sort and I'm now getting texts saying they must speak with us urgently. I have seen posts advising to definitely NOT speak with them, correspond ONLY by letter and do not sign manually as they have been known to forge signatures. How can I get these people off my back?

Hi Everyone, I've got a particularly horrible problem on my hands . . . well two of them, but let's start with this. In July 2013 I left the UK to live in America. However, during the move I neglected to settle an accuont with Three for a SIM used in a 3G iPad. Sometime in the last few weeks, I checked my credit report and there is a default. I should not be surprised, but I am upset about it, my UK credit was largely OK, but now it's completely useless, which sort of traps me here in another country. I can't rent or get a mortgage, or probably even get a phone. Ok - I approached Three and asked nicely. I will pay £49.08 if you completely remove the default. They refused. I asked for the original credit agreement, default notice (which i never saw) and the deed of assignment as it ended up with Lowell Portfolio. They responded that a SIM is not governed by the consumer credit act. This seems bleak - the default was added in 2014, I have a VISA until 2018. This is really not good!!!! at all. I have requested the same information - credit agreement, default notice and deed of assignment as a SAR under the DPA. I am still prepared to pay this money, as long as they remove the default - a settled default is no better than an unsettled one, as I understand it. My idea is this - I think for a default to be enforceable, I needed to have seen it? Which I did not. There is one other piece of weirdness in all of this. I use my Mum's address for all my correspondence, however I totally forgot about this Three SIM, so I did not update my address. However, when I spoke to Lowell Portfolio - they had my Mum's address and lo and behold just last week whilst this all blew up - my Mum received a letter from them! - they claim to have contacted me, maybe they did - I don;t know I was in America. Yet, my Mum is very fastidious at opening my mail and emailing me. they had her address but did not send anything prior to the default? How did they get her address? And is this relevant to their claim that 'they tried' Can anyone offer any advice, any suggestions - any argument, or mechanism I could attempt? I'm not even looking to dodge this; I made a mistake and should pay it. But, I feel that a 6 year penalty on an otherwise clean credit report for such a small sum is just unfair. I have made a SAR under the DPA - I'm hoping with this extra information something might arise in my favour? but, i really don;t feel confident. Being trapped in another country - sure isn't as much fun as it sounds. Really hoping someone has some advice, or an idea - or any suggestion that I could try! I have money available, and I have time; I just need to somehow get this default cleared. Thanks a lot in advance.

Hello all, I Received a letter from BWlegal dated the 18th of April 2016, on behalf of their clients Lowell Portfolio 1, that they will be commencing legal action and issuing a claim at the county court in respect to a debt. If payment or response is not received before the 5th of May they will issue the claim without further notice. I've done the necessary research before troubling yourselves and just want to confirm that I'm on the right track So a little background on my debt. This debt was originally with JD Williams under one of their mail order catalogues. The amount was under £80 but with charges it rocketed up to £437.93 (county court claim states this will go up to £687.53). With my other debts I managed to contact Barclaycard etc. and reduce the debt, but Lowell have refused any sort agreement similar to the others. I therefore refused to pay and put it on the back-burner. They have sent Annual statements on the 17th March 2016, with the line "...sent to you as required by the CCA 1974. On this statement they state that I have made no payments which is true and that the original agreement was made in 2008. Am I right in saying that this indicates the debt is statute barred? Should my next move be to request a CCA from Lowell, sending a copy to bwlegal of the request? Should I also send a SAR request to Lowell in relation reclaiming or removing charges? I'm finally getting a grip of my responsibilities as a debtor and rebuilding my credit rating, the last thing I want is a CCJ. Any help and advice would be greatly appreciated, Thanks for your time.

I hope this is in the right place, please would any mod kindly move if not. I would appreciate any guidance along the way from pple more versed in the small claims court. Lowell Solicitors have lodged a claim with Northampton, particulars as follows. Issue Date: 18-1-2016 Amount approx: under £600 Claimant: Lowell Portfolio 1 LTD Solicitor: Lowell Solicitors Limited Original Credit: Shopacheck Particulars of Claim: 1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Shopacheck under account reference ******** ("the agreement"). 2) The defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The agreement was later assigned to the claimant on **/**/2012 and notice given to the defendant. 4) Despite repeated requests for payment, the sum of *** remains due and outstanding. And the claimant claims a) The said sum of *** 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, acrruing at a daily rate of *** but limited to one year, being ***. c) Costs What I have done so far: 1) Acknowledgement of service - Online MCOL Website (20/01/2016) 2) Sent CCA REQUEST - £1 postal order - Signed For Post (21/01/2016) - Lowell Portfolio I Ltd 3) Sent CPR 31.14 - Requesting Default Notice, CCA Agreement and assignment - Signed For Post (21/01/2016) - Lowell Solicitors I Cannot for the life of me remember having shopacheck, but then again in 2012 my head was up my proverbial **** as my mother died that year. I have never received any default notice from Shopacheck or Lowells, I am very good with paperwork/documents/post, everything that comes that is official if filed in ring binder boxes... If I had received any default notice I would have acted. Also, I never received any letter from Shopacheck / Lowells to inform me that the debt has been re-assigned. I am not denying the loan but also am not accepting it as I just do not know, what I do know is I have had 20 + loans from shopacheck in the past since circa 2000 , so do have a financial history with the company I have looked through any/all paper work kept from previous loans but cannot find details of the one they are referring to with the reference number they gave me in the Particulars of Claim. So, as of 15/02/2016, Lowell Portfolio I Ltd have not replied to the CCA, Lowell Solicitors did reply to the CPR stating they are requesting the documents but that is as far as it went, they refused to answer my question asking for an agreement to extend the time for filing defence. Last night I filed my defence in time for the 15/02/2016 defence deadline. the defence was along the lines of this link Thanks to anyone who can help with guidance along the way

Hi there, This is the first time I have actually used a forum as I am quite concerned regarding letters which have recently been coming through the post from Hoist Portfolio and Robins Way demanding money from a loans from Morses Club. Which was taken out in 2006,2007,2006 but has been shown settled on my credit history in 2/2010. Even though this shows settled it also says "THE ACCOUNT AND LIABILITY HAS BEEN TRANSFERED TO ANOTHER COMPANY" but it doesn't state which company? The first letter appeared on 14/10/15 from Hoist Portfilio Holding 2 Limited which is a NOTICE OF ASSIGNMENT for the total of £2.197.00 Then a letter turned up dated 23rd October 2015 which was a NOTICE OF SUMS IN ARREAS which apparently are official notices that the consumer credit act 1974 which states should be sent to customers in arreas .There are 12 pages and have found these quite overwhelming to say the least. Then on 4th November I received a letter from Robinsons Way who say they are collecting the debt for Hoist Portfolio and states that there is no minimum payment I only pay what I can afford . I am very confused as looking on my credit record it shows that it is settled but with how I have been bombarded will letters and have even heard an automated message left on my house phone which I thought I was ex directory but have managed to obtain my number.I really would appreciate any information to help me to resolve this as i am so worried as i thought it was settled. Thankyou

Hi my wife had an account with Nationwide due to money issues she went overdrawn and with charges the amount went up to over £500. in 2014 unknown to us a company bought the debt from nationwide and then promptly took it to court, last month the MKDP sold this debt on to Hoist Portfolio Holding Ltd who as soon as they got the name changed on the ccj promptly sent it to the bailiffs. We are not sure if at the time of the ccj it was statute bared, I am currently applying to nationwide for all the paper work but I need to apply to set the judgment aside to stop the bailiffs can anyone help and how would fight the original charges because I read that someone had recently removed bank charges through the courts.

Upon checking the new FCA Public Register which is listing "Interim Permissions" in its transitional role from the OFT, I find that Hoist wildcard returns 4 results : Hoist Portfolio Holding Limited (Registered in Jersey C.I.) - IP CANCELLED Hoist Portfolio Holding 2 Limited (Registered in Jersey C.I.) - IP CANCELLED Hoist Kredit Ab (Presumably Swedish Parent Company) - IP CANCELLED Hoist Finance UK Limited - Reference Number 661621 - IP ISSUED Having received a letter from Robinson Way (As we know now owned by Hoist Finance UK Limited) they state that they have purchased an account from MKDP LLP (Compello - Hoist Director is director of Compello also). They state quite clearly and unambiguously that the alleged new beneficial owner of the account is Hoist Portfolio 2 Limited, who clearly are not registered nor authorised to engage in CC activity, and as such cannot legally instruct their associate company Robinson Way to attempt any form of recovery on their behalf. This latest threat to the consumer has all the hallmarks and modus operandi of the last bunch of cowboys who fought their corner for so long and then voluntarily surrendered their licences. I'm not mentioning names, but everyone knows whom I'm referring to. This is now the same old story, one director pulling the strings with an absolute labyrinth of companies who are nothing more than a file on a shelf and a brass plate on an accountants door, representing the fiddles of the strings. I'm making it my business to enquire with the FCA as to the status of Hoist Portfolio 2 Holding Limited just to see and hear from them directly their legal status. They would probably just BS consumers and say "oh well we're all part of the same group" blah blah blah - now where have I heard that before - sounds familiar. Would appreciate all your comments on this matter. Ive been in Court before with people as a MacKenzie Friend against the last mob who tried to collect accounts whilst unauthorised and tried to wriggle with intertwined companies. The Judge generally sees right through it.

i have submitted a Acknowledgment of Service via MCOL Can anybody please advice on how to defend my claim and what steps i should take please? Thank you In order for us to help you we require the following information:- Name of the Claimant ? Lowell Portfolio l LTD Date of issue Date of issue 11/1/16 What is the claim for Particulars of Claim 1) The Defendant entered into an agreement with Vodafone under account reference ('the Agreement'). 2) The Defendant failed to maintain the required payments and a default notice was served and not complied with. 3) The Agreement was later assigned to the Claimant on 10/10/2011 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £490.08 remains due and outstanding. And the Claimant claims a) The said sum of £490.08 b) Interest pursuant to 569 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 £0,107, but limited to one year, being £39.21 c) Costs What is the value of the claim? 659.29 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile phone When did you enter into the original agreement before or after 2007? I have no knowledge of the contract 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? No notice was received too my knowledge Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? No knowledge of the account What was the date of your last payment? ? No knowledge of the account 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?

Name of the Claimant ? Hoist Portfolio 2 Date of issue – 4/2/16 What is the claim for 1.The claim is for the sum of £4900 in respect of monies owing under an agreement with the account no. (16 digit card ) pursuant to the CCA 1974. The debt was legally assigned by MKDP LLP (Ex Barclaycard) to the claimant and notice as been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been server upon the defendant pursuant to s.87(1) CCA. 3.The claimant claims: 1. The sum of 4900 2. Interest pursuant to s69 of the CCA 1984 at a rate of 8% from 23/3/10 to the date hereof xxxx (I've put in 4 x's as it's a 4 digit number that isn't a date, could be a tracking number that hoist use to search on here) is the sum of £2300 3. Future interest accruing at the daily rate of £1.10 4. Costs What is the value of the claim? 7600 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? 2004 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. HPH2 Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure Why did you cease payments? Lost my job What was the date of your last payment? Possibly 2009, maybe before 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? Yes Hi, Received a claim form this morning, great way to start the weekend! It's for a barclaycard debt going back a while. I've checked my credit report and it became defaulted with barclaycard in April 2010 but had been 6 months in arrears before that. I've tried calling barclaycard (to find out when the last payment was made) whose automated system says I need to call Compello who put me on hold then hang up. I reckon that hoist are clutching at straws as my credit report says it's wiped from next month. Suggestions are gratefully welcomed. Thanks in advance. B

Hi, I have been lurking on these forums (and Google) but cannot seem to find any information about the problem I currently want to resolve. I took out a Wonga loan in 2012 which was assigned to Portfolio Recovery Associates U.K. Ltd in June 2013. I am currently on a DMP with Step Change and I am repaying the loan to PRA. I'm aware that Wonga has had to write off loans which were in excess of 30 days in arrears (which mine clearly is) and would not have been approved under the new affordability guideline. I am certain that my loan falls into that category as I was unemployed at the time. My partner took out a loan not long after me, he was employed full time and got into hundreds of days in arrears. However, his loan never got assigned to a DCA and he had made a few payments through Step Change with his DMP. His debt has been written off. Surely because my debt has only been ASSIGNED to a DCA then Wonga should still include my account in the affordability check scandal? I have been emailing Wonga on 5 different email addresses I have found every day but have not yet had a response.

I have been issued a County Court Business Centre Claim form (Northampton unit) from Hoist at a St Helier, Jersey address. It is dated 7 Jan 15 and concerns £7043 (against an old credit card?) plus a further 3379.60 interest . The claim say that that amount due is from 6 Jan 2010 and I certainly haven't been in contact with them in the meantime. Does this mean that it actually covered by the statute limitation of 6 years (out by a day?) and they trying it on? Can I request cancellation under the limitation and also as I am uncertain as to the actual debt itself can I request proof of the original agreement and signature? And also proof that I have contacted or paid anything in the elapsed 6 years? I unfortunately only have till 21 Jan to reply to the court so any help appreciated. Thanks

Hi I received a letter in September from Hoist Portfolio Holding 2 Limited stating the following and that I was to make payments to Robinson way. The first paragraph of the letter is as follows. " We are writing to notify you that MKDP LLP has assigned all of it's respective rights, titles and interest in respect of the above referenced account (Ex Welcome Finance Limited) to Hoist Portfolio Holding Limited effective 10/08/2015. The balance they say is £17580.00." This was a loan that I took out with Welcome Finance and was secured on my home which was subsequently repossessed in October 2010. Further down the letter it states that I should check my credit file and that this account will currently be showing under the name of MKDP LLP. However when I check my credit report (Both Experian and Noddle) there is no mention of this debt in either my Active, Default or settled accounts. When I spoke to Robinson way about this account, I said I would speak to Step Change and this gave me 30 days grace. However the time has now come when they will be contacting me again by phone. Before I speak to them I would like to know where I stand as if it was still a debt surely it would appear on my credit file. I look forward to some advice on this matter. Regards Kim Kitchener

Evening all, Don't know if this is posted in the right section, but here goes. I haven't acknowledged / made payments to any of my debts ( unsecured ) since Sept/Oct 2007. I am not on the voters roll and have not been since I left my house in Sept 2007. My father has just rang me to say that their is a letter for me ( 1st letter in 2/3 years to his address), which I asked him to open. Its from Lowell Portfolio to inform me that HSBC and HFC have sold my bank accounts to them. I am assuming that these debts are ( or very very near ) statue barred, but from what I understand they cant be SB if a CCJ was registered somewhere along the way. Is there any way I can check for CCJ's against me without setting off alarm bells? Also whats the best way to get confirmation that these debts/other debts are now SB? Thank

Hi I have read some of the threads and hope people might be able to help me. Last weekend I received a County Claim Form for an overdraft I had with Santander. I defaulted on this in April/May 2009. I have spoken to National Debt Line and I am speaking to CAB on Monday to get advice. They have suggested it could be statute barred if I haven't made a payment or communicated with them in writing in that time (despite that I may have spoken to them on the phone or ignored letters/calls) I had other accounts and credit cards etc default at a similar time, some I subsequently paid off, others I ignored and they went away etc. This one hasn't. It's been passed to different companies and has now resulted in the form being sent. I threw a lot of old letters away as I had literally hundreds of them. This default has now fallen off my credit history. However I have found an printed version of it from 2013 which shows that the outstanding balance was less than the default balance, and was last updated in May 2010. I have asked my bank for a copy of all bank statements to see if I have made a payment but won't get these until next week. Reading on here I have seen people saying about asking for documents to try and defend. I won't ask a silly question if this is worth doing, could just do with some pointers about what I need to do The info requested of me is here. Name of the Claimant ? Hoist Portfolio Holdings 2 Ltd Date of issue – 3rd June 2015 Date of issue - 3 June 2015 Date to acknowledge by - 22 June 2015 Date to submit defence - 6 July 2015 What is the claim for – the reason they have issued the claim? The claim is for the sum of 1,776.92 in respect of monies owing to an overdraft facility under account number XXXXXX XXXXXXXX The debt was legally assigned by Santander UK PLC to the claimant and notice has been served. The defendant has failed to repay overdrawn sums owing under the terms and conditions of the bank account. The claimant claims The sum of 1,776.92 2. Interest pursuant to s69 of the County Court Act 1984 at a rate of X percent from the XX/XX/XXXX to the date hereof X days is the sum of X.XX 3. Daily interest at the rate of .XX Costs What is the value of the claim? 1,776,92. With costs it is 1,967.76 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007 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. Assigned to others, and then received assignment notice for this debt purchaser and claim issued by debt purchaser. Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not sure, I don’t think so Why did you cease payments? Lost job, other financial debts, they all got ignored for a while and subsequent defaults What was the date of your last payment? Not sure - sent off for copy of bank transactions this week from current account to check if I have made a payment. 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 plan entered into with them. May have spoken to them on the phone 5/6 years ago but I was getting several calls from different places so cannot be sure. Thanks in advance of any help or advice people might be able to give. EDIT - I realise I have come to post this late but it was only whilst thinking of this over and over before speaking to the CAB next week that I googled the companies and found this forum.

i have received a letter through the door indicating i am about to be issued with a stat demand on behalf of a company called P&A receivables plc. it reads 'i have been directed to serve you with a statutory demand issued under the insolvency act 1986 on behalf of the creditor. unfortunately on the letter it does not give any further details. all they say is they will be returning on a date and a time to either issue the demand or post it through the letter box!!! what should i do???