Search the Community
Showing results for tags 'bryan'.
-
Hi I have received a claim form and intend to fight it but I am unsure what I need to send as I understand mobiles are not regulated under the CCA? Any advice? Thanks -
Evening guys, long story short, had cap one card and not paid since January 2009 so as far as i'm concerned it's statute barred. Default on credit file July 2009 so due to come off in a couple of months. Late last year it was purchased by Lowell who i strung along until it was SB and they've since passed it to Fredricksons and now Bryan Carter who've just sent me a letter advising me to pay (not a chance) or they'll issue proceedings in 14 days without further notice to myself. I've seen on here that they try to bend the rules on SB and say it's from the date of default etc. which we know isn't true, even if they took me to court i think the time will have passed for both SB and the default will be gone. Is there anything i need to do in respect of this letter do you think? Their letter is dated 30/4 and has conveniently just arrived today saying i need to pay by 14/5. Thanks
-
carter defeult ccj- Cat debt - have 30 days to pay.
clairly posted a topic in Financial Legal Issues
Bryan carter solicitors have got a ccj on me by default for an old shop direct account. I hold my hands up and say I ignored all letters from them and automated calls. The latest letter I have had says ccj was entered against me on 20th April and I've been ordered by the court to pay £50 a month,, or pay it in full within 30 days of the 20th of April to avoid it going on my credit file. I want to pay it in full to avoid the ccj, I have 10 days left. Has anyone does this and how can I guarantee that Bryan carter will close my case and inform the court ive paid? So I avoid the ccj being registered? -
Hello everyone! Its the first time Im using this site and I am in need of urgent help with dealing with Bryan Carter Solcitors. About a month ago I received a letter from Bryan Carter, on behalf of Lowell Financial Limited requesting that I pay an overdue debt owed to o2 of £661.34 within 14 days, otherwise a court claim will be initiated. I read around on the forums and replied with a 'prove it' letter and received the following response. Dear ******, We write further to your recent correspondence, the content of which we note. We confirm this account relates to a O2 UK Ltd (the 'Original Creditor') account, account number: *******. WE confirm this account is in relation to mobile number ****** It is the original creditors policy to provide the agreement at the point of contract and statements throughout the duration of the account; consequently, you have previously been provided with validation of the debt and you should refer to your own records. We confirm you may obtain a copy of the agreement from the store where the handset was purchased. we are acting on the instructions of our client who believes the outstanding balance is lawfuly due to them and we are acting reasonably. We trust this clarifies matters and we should be grateful if you could contact us by 7th May with your payment proposals.... Yours Sincerely, Bryan Carter Solicitors They have not clarified/proved anything. Any help would be much appreciated in responding to these people! Thanks!
-
Hi, First time poster, long time lurker, so be gentle! My partner had an old mobile phone debt being chased by Lowell for 3 Mobile. I sent them the Prove it letter in 2011 back not acknowledging the debt and requesting the credit agreement. They sent back one page of an overdue mobile phone bill as proof. Nothing else. The debt would have become statute barred at the end of this month. Fast forward a few years, and it now turns out they issued a CCJ for £350 in January to an old address she has not lived at for 6/7 years, whilst sending threat-o-grams to our current address and our previous address to this one. She has had a letter from Bryan Carter Solicitors yesterday informing her that the CCJ is now in arrears of £150. This was the first we'd heard of any CCJ being issued, never mind arrears, and only today has it appeared on her Noddle credit report under her old address. We have heard nothing from the court at all, but thats understandable given they were provided the wrong address. The noddle report says its £350. They now want £350 for an original £70 debt, which was increased to £209 in 2011, and are adding on these CCJ arrears. My partner has no job (not claiming benefits), no property and no real items a bailiff could repossess. We rent and I own all the items in our flat. I know nothing about CCJ's but a quick google indicates we'd have to pay £155 to apply to have it set aside. They are demanding the CCJ arrears for £150 to be paid in full immediately. I don't know if this is Bryan Carter adding this on, or this is court ordered. We are not married but could they repossess my items as we share a home? What should we do now? Hopefully I've given enough details but please do ask if I've neglected to mention something. -
Hi I am new to this forum and would like some help on a Court Claim form that I have received this morning Name of the Claimant ? Lowell Portfollio Date of issue – . 24/04/2015 What is the claim for – Shop Direct This claim is for 2661.55 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods This debt was asigned to/purchased by Lowell Portfolio 1 Ltd, on 14/02/2011 and notice served pursuant to the law of property act 1925 Particuals Re Shop Direct A/C xxxx And the claimant claims 2661.55 The Claimant also claims statutory interest pursuant to S.69 of the county act 1984 at a rate of 8% per annum From the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 212.94 What is the value of the claim? £3059.49 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue Account When did you enter into the original agreement before or after 2007? Unsure 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. No was issued by Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Possibly Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Loss of employment What was the date of your last payment? unsure prob abt 4/5 yrs ago 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 managementicon plan? No I am not sure that I have done this correctly, I am struggling, sorry -
hi, i need to write a defence for the small claims court and i don't know what to put? i got the summons back in january and done all the usual stuff sent lowell and bryan carter a cca request not no reply to either also crp31.14 request to bryan carter and got no reply - did send them all recorded delivery and have the receipts the defence letter h as to be there by 30th april - i can actually drop it into the law courts but i need help in writing the defence - thanks in advance
-
Hi. One of my old mobile phone accounts was purchased by lowell and bryan carter has been acting on their behalf. I have no reason to dispute this account and I have been paying them £1 per month for a while now. An oversight on my part meant that I missed last months payment. Its only been a couple of weeks and today I have a county court claim form. I have never had to deal with courts so I am hoping for some advice before I do anything. Many thanks Paul -
Bryan Carter issued court papers to me on 11th Feb 15 regarding an old t-mobile debt the last payment to them left my bank account on 23rd December 08. I even have a statement issued by lowell covering the period 01/10/08 to 30/04/12 showing nil payments and the balance is still the same today. They can even get their statement right. I filed a defence stating that the debt was statute barred under section 5 of the limitation act 1980. Have received response from bryan carter saying they intend to proceed as the limitation period runs from the date the original creditor became entitled to demand payment. Default was issued 10th July 2009. They want me to settle the matter by way of Tomlin Order. Any advice on how to proceed I thought statute barred was from the date of last payment which was the cause of recovery action. Regards -
I have received a letter today Dated the 10th of march. Claiming that I have "failed to make repayments as ordered by county court judgement" and stating that i am now " in arrears with the order in the sum of £***.**" I have been given instructions to make payment immediately to bring the CCJ order up to date and prevent further enforcement action being taken against me. they have given me this web URL www dot bryancartersolicitors dot co dot uk and this phone number 08458396157 Apparently their client has instructed for them to take further enforcement action if i do not pay the arrears or contact them within 7 days . They have then listed what this enforcement action may include; Warrant of control, Attachment of earnings, Charging Order, Order to Attend court for questioning. Their client is apparently Lowell financial limited The brand/ product is Vodafone I can provide the account number if needed and the claim number also. They have also given me a reference number. Any advice would be greatly appreciated as I'm very naive with this sort of thing and want to get as clued up as possible before throwing the book back at them so to speak. What should be my first actions and who should I contact as this is the first I have heard that i owe anybody any money and have read some reviews on these people and none of it has been good? Thank you in advance. Al -
Hi All, I hope I have found myself in the right sub forum! I've leafed through pages and pages of helpful posts from you guys regarding Bryan Carter and similar situations to mine and I've been taken aback by how helpful people have been on this site with people's problems. I was, however, still unsure how to proceed with an issue of my own i'm facing and was hoping to ask for advice.... To start with I'll lay out the groundwork I had a contract with O2 some years back now (2011?) that originally started in 2009 or so, towards the end of this contract with maybe 3 months remaining on the current rolling deal the phone I was using ceased functioning and I called O2 to cancel the contract. They accepted this (and I have a letter confirming this action) as I had been on the contract for a long time and I dare say they more than made their money off me! I was also paying for two months where I wasn't using the phone because I am horrible at managing my money However some time later I received a letter from O2 demanding payment for the 'unpaid debt' and I responded saying nothing was due (including a copy of the aforementioned letter). Sadly this was ignored and I started receiving letters from Lowells, and Red, and eventually Fredrickson. In all cases I have simply sent a letter saying I have no debt and including the letter, asking for confirmation of what the debt source is. But now I have received a letter from Bryan Carter, and if my initial investigations are anything to go by, I will soon find myself in the unfortunate position of missing work to be dragged to a courtroom. Because of this I would like any advice anyone can offer with regards of how to deal with Bryan Carter, I had my first mail from them today (if no response in 14 days a claim will be issued etc). Am I in better stead because of them playing ping-pong with the debt? Is there anything I can do to keep this out of court? And what is the best way to ensure they drop this ridiculous charade and finally put this to bed instead of someone else sending a letter demanding money I don't owe in a few months time?! Its really rather stressful and I have to admit i've rather had enough. The initial debt was under 100 pounds, Bryan Carter are now estimating (with court fees etc) that they will be looking for 275 pounds. Is there a leg to stand on in that too? Looking forward to hearing back from you. -
Hi everyone, I am having a traumatic time with Bryan Carter Solicitors at the moment. My partner has received a claims form asking for £2600 from a Halifax Credit Card debt three years ago. The claims form was only received on Tuesday 24th February, but was dated 6th February. Now this is what worries me and where I get slightly confused. He called them straight away and they said they will hold off judgement, providing that the debt is cleared within six months. I called them as what they stated to my partner, didn't sit well with me, nor do I trust them AT ALL! And initially they said they cant send anything in writing to confirm that they will hold off judgement for six months. But they did change their tune when I mentioned the FCA and said they will get a letter out confirming that 'if he says true to an agreement, they will hold off judgement'. But again I don't trust them. I feel slightly stressed and confused, as I feel that I have lost the chance to do anything now, as N9A form should of already been submitted (I only know slight information regarding how CCJ's work, as I dealt with litigation in an insurance firm) so any help/advice would be greatly appreciated. Many thanks -
Hi, Hope I can seek some advice from everyone having received a court claim form for a Halifax O/D. Having trawled the forums and read lots of great advice, I think I'm going to go the route of defending the claim but would appreciate any input given. The Background - May 2010 - Agreed to repay small authorised overdraft @ £50 pcm & Halifax agreed no further charges. All this is in writing. July 2010 - Had made first two deposits by end of June, but Halifax still hitting a/c with charges. £230 worth of charges!!! - Wrote to Halifax reminding of our agreement for "me pay in, you no charge", no response. Oct 2010 - Wrote Halifax again - "I'll start paying in when you stick to your side of the agreement and refund charges".. No response. Dec 2010 - A/c has been passed to Blair, Oliver & Scott. First I knew was a letter from B.O.S. Wrote them about agreement Halifax broke. Jan 2011 - A/c now passed to Fairfax. Wrote them about agreement Halifax broke. June 2011 - A/c now passed to Robinson Way. Wrote them about agreement Halifax broke. At this point, the charges applied to the account were refunded but the a/c has not been returned to the Halifax. Aug 2011 - A/c now passed to Moorcroft. Wrote them about agreement Halifax broke and that the account needs returning to Halifax for me to recommence repayment as there has never been anything from the Halifax stating the a/c would be assigned to a DCA. That was the last I heard until... July 2014 - Letter from Byran Carter. Wrote back with same response I gave Moorcroft. Oct 2014 - Letter from Byran Carter. Wrote back reiterating what I had previously said. I also asked for a breakdown of the alleged debt to see what were charges etc and that I would be charging for my correspondence at the same rate Halifax do!! Feb 2015 - Claim issued by Bryan Carter. Followed up with a letter from them. The claim is dated 5th February, giving 10th + 14 for a response? That said, I've already logged onto MCOL and registered and prepared a CPR31.14 to send to Bryan Carter. Is this correct - send to the solicitor, not the claimant? What now? Return the AoS to the court (should I just do this on line? Is that enough?) and then the defence or enter a defence right now based on one of the many splendid examples on CAG? Many thanks in advance for your support, Essemess -
Hi I am hoping for some advice regarding proceeding to court, I will try and outline what has gone on so far! I was contacted by Lowell Portfolio some time last year regarding an old Vodafone debt. I was not aware what this was as I had previously had a Vodafone contract but terminated the contracted and as far as I was aware settled the account. I do remember querying the account with Vodafone at the time but to my knowledge this had been sorted. I have repeatedly asked Lowell and later Bryan Carter to send me a copy of the contract and information relating to the debt this was never sent. I then received a claim form and filed a defence of having no knowledge of the debt and despite repeated requests been given no paperwork. they then sent me a TOMLIN order and told me that I could sign this and pay or they would take me to court. I again asked for paperwork and told them whilst I did not wish to go to court I would not be bullied or harassed into paying a debt I had no knowledge of. The court mediator called and (sounding very cross) told me there was no point in mediation as I had no paperwork relating to the debt so there was no way a settlement could be reached (I quite agree). She said she would refer onto the small claims court. After this I contacted Vodafone myself to get to the bottom of it, they have said it is in relation to a contract that was terminated in January 2009, which is when the last DD was received on the account and apparently they then added an early termination fee. Money owing on the account was then paid between July 2009 - June 2010. I asked if they could send me a copy of the contract and they said they would no longer have it but would send me a breakdown of what was owed - not that helpful as I do not believe I was in a contract a the point I left them. I have received a General Form of Judgement It is ordered that: or Order today and it states: 1. Claimant do file and serve by 4.00pm on 16th February 2015 a copy of the agreement in accordance with CPR PD 16 paragraph 7.3 together with a schedule of payments to the account. There after file to be referred to the judge. 2.This order having been made by the court pursuant either to rule 3.3 or rule 23.8 of the civil procedure rules 1998, any party affected by this order has a right to apply to set it aside, vary or stay it by application made not more than 7 days after this order was served on the party making the application. Sorry for the very long post but having got this far I am not a bit confused if I need to do anything in relation to this letter? -
Hi received court claim form from Bryan Carter solicitors dated 20th jan 2015. Only other contact I have had off Bryan Carter solicitors is text messages which say the following I have ignored these as there was no name to it it was relating to ie me my husband etc. Text message reads Please call Bryan Carter solicitors llp on 0203 xxxxxxx quoting ref 1xxxxxxx further info may be obtained at w.byrancartersolicitors.Co The court documents read This claim is for 938.78 the amount due under agreement between the original creditor and the defendant to provide finance and / or services and / or goods This debt was assigned/ purchased by Lowell portfolio ltd on 08/11/2013 and noticed served pursuant to the law of property act 1925 Particulars Re. EE ltd formerly t mobile A/c 7xxxxxxxx The claimant claims 938.36 The claimant also claims statutory interest pursuant to s.69 of the county court act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 75.08 I have looked at noodle and can't find this debt on there. Also I have have tesco mobile for over 5 years so I believe this debt is statue barred but how do I do the defence, what do I put. I haven't told oh as we are only just managing we have two children with special needs and also I suffer with lung disease so the stress of this is making me ill. The texts are now coming through every 2 to 4 hours Can someone help me please -
Hello, I hope that I am on the right forum/ thread. I have received a CCJ claim form for an old mobile phone that was with Orange. It is from Bryan Carter solicitors on behalf of Lowell Portfolio. I have responded at MCOL tonight stating the intention to defend and asked for additional time. The claim was issued on the 21st Jan. We constantly had issues with the signal of the phone and called numerous times over the three months before we stopped paying the contract and took another contract out with another company who provided us with a vastly improved signal. On the times that we called they agreed that there was issues with the local mast being out of order and they admitted that there was a problem. However we have no evidence of these conversations, although I would hope they are on a call log somewhere. There is no information at all about this account with the claim form, No dates of original contract etc. We estimate that we had the contract about 3-4 years ago, possibly longer. The amount is for less than £200. Your advice and help would be greatly appreciated.Many thanks
-
Hi All Had a number of card issues over the years which I have managed to keep at bay with the help of this website - but Bryan Carter won't back down. They have failed to provide a signed copy of the CCA and have now submitted their Court Bundle which includes a the a 3 paragraph Credit Card Account Agreement - but the T&C's are a separate 13 pages without any signature and could have come from anywhere. They have said they will not be in Court and state they did not receive my requests for CCA, nor did the original card supplier - I have kept the Post Office receipts of recorded delivery. Are they playing brinkmanship and hoping I bottle it or have things changed since my last couple of battles 2 years ago? Thank
-
Hello Just some advice please. A friend has a debt with Lloyds who have passed the collection to Bryan Carter solicitors. she has received papers from her local county court to take part in a mediation (?) telephone call in connection with the debt. Is this a new procedure through the county court? What happens if she chooses not to take part? Is this just a form of intimidation. The debt is approx 4K - she has asked for copy agreement etc from Bryan Carter and Lloyds - but no response. Your views would be most appreciated. Thanks -
I received a claim form dated 12 Dec 2014 for in my opinion overdraft charges from HBOS plc I have studied the forum and acknowledged the claim on MCOL stating that I intend to defend, can you help me as I work my way through it Regards -
Hello all, I'm here to ask for a bit of help, My uncle recommended you guys, so I hope you can help. When I got home today I had a letter through the door (11/12/2014) from County Court Business Centre. below is the information i believe you require, now if im correct, i think there may be a mix up. as its dated 26th november 2014. Name of the Claimant ? Lowell Portfolio Limited Date of issue – . 26th November 2014 What is the claim for – "THIS CLAIM IS FOR 381.34, THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDENT TO PROVIDE FINANCE AND / OR SERVICES AND/ OR GOODS. THIS DEBT WAS ASSIGNED TO / PURCHASHED BY Lowell Portfolio I Ltd, ON 07/03/2013 AND NOTICE SERVED PUSUANT TO THE LAW OF PROPERTY ACT 1925. PARTICULARS: RE- O2 (UK) Ltd A/C NO .......*** , AND THE CLAIMENT CLAIMS 381.34 THE CLAIMENT ALSO CLAIMS STATUTORY interest PURSUANT TO S.69 OF THE COUNTY ACT 984 AT A RATE OF 8% PER ANNUM FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO DATE BUT LIMITED TO A MAXIMUM OF ONE YEAR AND A MAXIMUM OF 1000 AMOUNTING TO 30.51 "£381.34 for debt of phone contract " What is the value of the claim? 381.34 Is the claim for a current or credit/loan account or mobile phone account? Mobile (O2) 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. Debt Purchasher (Lowell) Were you aware the account had been assigned – did you receive a Notice of Assignment? "Not that im aware of" Did you receive a Default Notice from the original creditor? Not that im aware of Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? "Not That Im aware of" Why did you cease payments? "I had Lost my job, I remember phoning them asking if i could send the phone back and they said no, and i had informed them that i was not able to pay it." What was the date of your last payment? back in 2010 Was there a dispute with the original creditor that remains unresolved? "only what i had said above" Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? "No as they wouldnt let me because I had no income at the time" also total ammount including court fee + solicitors fee is £496.85. Please could someone try and help based on the information i have tried to provide. I hope its enough, but whats worrying me is that it dated the 26th november and it only came today. if you have any more questions or if you could help me with the next steps that would be great and i would be so thankful. Regards. Dan
-
I've received a county county claim form from Bryan Carter solicitors. It is from a credit card I had 2 years ago. I do owe around £1,400 and have tried to make a payment plan of £5 per month with firstly the credit card company and then also another debt collection company. I asked them to stop please stop adding charges and instead to help me arrange a payment plan. I never received a reply or even an acknowledgement from either. The next thing I know I've received a Claimform from Carter. I didn't even know the debt had been transferred to him and Lowell. I have been in hospital so if they have sent anything recorded I wouldn't have been able to sign for it so it would have been returned to them. I'm presuming they didn't send anything though as I've had no card through the door. I do owe around £1,400 but they are now trying to claim over £2,100 plus £99 interest. I've got till Thursday to reply and am worried about where to go next. I'm not currently working as I've recently had a baby and have no job to go back to as I only worked casually occasionally. I know I only owe part of the amount being claimed but if I admit to that part of the claim what is likely to happen? Would I have to then go to court to defend the rest of the claim? Would it cost me to do this? Would I be most likely to lose and the court would see this £700plus as reasonable charges? Thank you in advance.
-
Good evening, I will outline my situation as briefly as possible... Bryan Carter put in a claim for approximately £2260 relating to a credit card I had with Capital One to Northampton County Court Business Centre, issue date 08th Aug 2014. The debt is not statute bared I responded to the claim appropriately on the money claim website and informed them I would be defending my case. I then proceeded to send CCA and CPR requests to BC and Lowell Finance. All requests were denied in writing by BC on the basis that the courts protocol was followed and that my case was most likely be allocated to the small claims track. All of a sudden the due date for my defence was upon me and I had nothing to go on so called the court advisers who advised me to file the form N244 with a fee requesting an extension to file my defence. While researching how to fill in form N244 I stumbled across a forum post detailing a situation where the defendant in similar circumstances had not only requested an extension but requested that the judge ordered the claimant to supply the defendant with all the appropriate and relevant paperwork. I effectively copy - pasted his covering letter, filled out the form appropriately and emailed it all off to the court with copies of the letters BC had sent me denying their obligation to send me the paperwork. Weeks went by and I'd heard nothing from BC or the courts I called the courts to find out what was going on. Only to be informed that they had not received my N244 and covering letter etc. It transpires I'd made a mistake with the email address. I was advised to resend it immediately which I duly did, this time receiving a delivery receipt. This was early November. The very next day I received an envelope from BC containing a copy of my signed credit agreement and statements. No copy of the default notice? Today I received a letter from the court informing me that the judge had deferred my application with the comment "The Defendant must provide reasons within the application" My question is... Where do I go from here? regards
-
Hi I would appreciate a few pointers on this. The dreaded BC has obtained a CCJ by default againt me. The problem is that I never received the original claim form, so had no opportunity to defend the claim. I'm not even sure what the claim is for, but it's possible it's for an old Co-op bank account overdraft which has been in dispute since 2008. I want to apply to set it aside, but I've been reading that it's very difficult to do this. Also the fee of £155 seems a bit steep!! I understand that if I can get BC to agree to a set aside it will only be £50. The whole debt, including fees, is just over £500. I believe the claim form was sent to my old address, although I have a redirection in place, the claim form was not redirected. I Have not received any correspondence from BC or anyone else demading money either, so I'm a bit puzzled really. Had I received any correspondence I would have just sent him the usual account in dispute. It may even be statute barred anyway. Had I also received the claim form I would have dealt with it. The problem I have is that I can't find out from the Court at the moment the details of the claim because I'm having trouble getting through. I don't want to pay out £155 if there is no chance of getting it set aside and if it is the Co-op Bank, I'm not sure I have much of a defence as I probably do owe some of the money but not the amount they were demanding. They simply refused to send me any statements or an explanation of how a closed account incurs charges! I am minded just to pay it off within the timescale but another thing that concerns me is if I have to pay BC direct what guarantee have I got that he informs the Court that it has been paid within the timescale and not to register the CCJ? How do I know he won't register it anyway? I also thought I could try and get BC to agree to a set aside and then negotiate a payment plan. I'm not sure how likely that is bearing in mind his reputation. I would appreciate some advice on the best way forward.
-
carter/lowells claimform - o2 debt***Claim Struck Out***
neil24103 posted a topic in Legal Successes
hi all hope some one can help with what to do next received a letter from a solicitor called bryan carter saying they have been instructed by fredrickson international ltd on behalf of their client Lowell financial ltd regarding a 02 account. to commence legal action and issue a claim against you in the county court in respect of this debt should you fail to respond to this letter within 14 days a claim will be issued against you without further notice current debt = £763.06 estimated court fees = 60.00 estimated solicitor cost = 70.00 estimated total = 954.10 to contact them by the 17 nov 14 I have not contacted them as yet I did have a 02 in 2012 paying £49.00 a month unlimited call text ect all was fine until june when I got a bill for £59.00 I rang 02 asked why my bill was £10 higher the rep on the phone could.nt find out why I just paid the £49 and refused to pay the £10 charge until they told me what it was for. he then told me I had 3 days to bring my account upto date or my phone would be restricted . I still refused they then ended my contract. I told them to send a jiffi bag to send the phone back as I had only had it 6 months.never got one. never heard anything from them again. this year in march started getting letters from a company called Lowell portfoillo saying they had purchased the debt also enclosed was a copy of a letter of assignment I ignored all further letters from them then letters from a debt collectors called red I ignored again. now a letter from bryan carter solicitors. can anyone advise how I should respond to this letter ? I have till 17 nov to respond thanks in advance for any help dealing with this just checked my credit file with noodle and Lowell have put a default on it for sept this year -
Hi i had a bank account with a £250 overdraft , i cancelled a standing order but the bank paid it which sent me over the limit the the following month i got £39 charges which took me over the limit again ( after they paid the standing order i contacted them and they said i didnt give enough time to cancel the payment i did it online . so after they made the payment i stopped using the account as i was mad with the charges as they shouldnt have let the payment out . Anyway this was in 2008 i have had different letters from different companys i sent letters to lloyds requesting unfair charges back but was fobbed off so when i got a letter from these debt agencys i sent them a request for a signed credit agreement then they would close account and then months later different company same again . So today i have received a letter from bryan carter solicitors about county court proceedings the balance is £374.72 , with charges being just over £300 so most of the balance is made up of charges on the account , from one of the companys they said lloyds do not supply agreements with these type of accounts and were unable to supply a copy of the overdraft facility letter i requested . the last payment out of the account the 24th nov 2008 everything after was charges ( how does the 6 years status barred work ? ) as its nearly 6 years to the last time something come out of the account 14th nov 2008 was the last time something paid in . sorry for the long post many thanks for any help .
