Hi this is for an old Shoe Tailor account from Dec 2004. I've checked my credit record and it's showing Lowells default date 4 January 2012. I have had no letter of intent from the Solicitors? I have made payments to this debt so pretty sure it is not statute barred. It has been to lots of different DCAs. I have now entered into a Debt Management Plan and Lowell have more than one account with me and do know this. I had passed accounts to Stepchange, which i informed all creditors of. Having checked my email I only put reference for the other account i have with them in the email i sent them notifying them of my move to Stepchange. I believe I last paid this account on the 23rd December 2014. The particulars of the claim are: The claim is for 3352.20 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods. The debt was assigned to/purchased by Lowell Portfolio Ltd on 20/12/2012 and notice served pursuant to the law of property act 1925. re: JD Williams account. What do I do now? As its a catalogue I'm guessing they wont have nor need a signed agreement? Also I can only see 12 months of my record on my credit file but believe this debt has become more than double the original value i had with Williams originally as although i was making payments they charged me more than my payments.

hi, I need some help as I have received a claim form from Bryan carter solicitors whose acting on behalf of Lowell portfolio I ltd. I believe its for 02 account which I didn't pay. I had a dispute with them and terminated the contract. I left it at that. then all of sudden iv received the claim form from county court business centre. date issue was 17th of October. any help will be appreciated many thanks.

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 .

I am all a bit new and ignorant of how to deal with this! I have an old debt with BT an old phone contract where I ended up with a huge bill due to a load of spam texts which I disputed, the bill racked up to £950.00 and dates back to 2009. After falling pregnant and being in a vulnerable financial situation I did the typical head in the sand syndrome and returned all letters no longer at this address return to sender! I moved last month and with that redirected my mail, this week I received a letter from Bryan Carter Solicitors stating they were chasing the debt on behalf of Lovell Limited and have now issued litigation proceedings in the County Court! a day later I received a letter from Northampton County Court with the claim letter asking me to complete all my details, both letters are addressed to my old address! I have just started improving my financial situation which is difficult as a single working parent to a toddler however I do not want a CCJ against me, is it too late to deal with this? If i return the court form and offer monthly payments - which admittedly will be small as i have huge childcare costs and living costs which consume my whole wage and working tax credits. However I just want to sort this out now! or do I just ignore both letters and send them back return to sender NO longer at this address? will I still be issued with a ccj, which is what i want to avoid as I do not want this held against me for the next 6 years? also how long does it take for this CCJ to appear on my credit file? is it immediate? Can I call Bryan Carter and arrange a payment agreement or does the court letter mean it has gone past that stage? Please excuse my ignorance I have read through some of the threads on this company and you all seem very knowledgeable on this but this is a first for me, I am just a hardworking person who wants to maintain a reasonable credit file should i need it over the coming years. Any help is much appreciated.

Hi Please can someone help me. I had an old debt with mbna for approx £10k. I couldn't pay at the time so ended up with a default in 2006, in 2007 I arranged repayment of £70PCM and have been paying until last month, last week I wrote to Byan Carter saying they should write off the debt because I am unable to pay due to illness bryan carter wrote back I still owe £5000 and they can only reduce £500 but ill have to pay another £4500 to settle and they are not charging me any interest. My question is can I send CCA request even though Ive been paying for 7 years. also can I still negotiate a reduced settlement amount with bryan? much appreciated

Hi Firstly thanks for any info / help you can provide. I have received a summons this morning from Bryan Carter Sols on behalf of Lowell's. The claim I think relates to an overdraft I had with Lloyds Bank a few years ago, but as normal I have not received any information apart from on the summons it shows Re: Lloyds and an account number. The summons also says "The Debit was Assigned / Purchased by Lowell Portfolio Ltd. I did have an account with Lloyds for many years, but when I had issues getting work and failed to keep up repayments on a loan I had with the them they closed my account and took me to court for the outstanding loan. I'm at a bit of a loss in what I need to do now and wondered if there is any way I can fight Bryan Carter / Lowell's in this case. It seems strange that Lloyds took me to court for the loan which was not much more than the overdraft but decided to sell the overdraft debit on. Thanks Potman100

I was made redundant in November 2008 and unfortunately still seeking employment. I only receive JSA (£60.50), housing benefit and council tax relief. The housing benefit is paying most of the rent, less £80 per month until 15th February and the Council tax relief is only £12 per week. At present I am in deficit of £60 per week. I have two loans with Welcome Finance, one is a personal loan (£3689) and the other was for hire purchase on a car. I have succeeded in a Voluntary Termination on the car account, so it has now reverted to a none priority debt (£6002.26). Since being made redundant I wrote to my local Branch and notified them of my financial situation and that I would not be able to make payments on the accounts for the time being. All started well with this, but they soon started phoning me constantly asking for payment, even asking me to BORROW money so that I could make a payment to them. With all this happening I sought advice from the National Debtline, who advised me on what to do. First thing was to ask Welcome to hold any action for 28 days and freeze interest and charges. This they refused to do. In one week the car account balance increased by nearly £100!!! Still the calls persisted. I spoke to their Call Centre and they said I should speak to the Manager of the branch. This I did, and she agreed to not contact me until my circumstances change. Which is what I asked for in the first place. Still no mention of interest freezing though. I then sent a letter asking again for charges and interest to be frozen for at least 28 days, offered a token payment of £1.00 per month and that all future correspondence be in writing. Today, I received a phone call from the local branch, again asking me if my circumstances had change, even though it had only been three days since I had spoken to the manager. Again, he asked if I could BORROW money, to which I said he was out of order and acting illegally. Should I know push forward with a complaint to OFT and the Financial Ombudsman? Or make a complaint to their complaints department first? Any advice would be greatly received. These people are killing me.

Received a claim? Yes Issue Date: 17-9-2014 Amount approx: 900 Claimant: Lowell Solicitor: Bryan Carter Original Credit: HFC Bank Particulars of Claim: The claimants claim is for the sum of £750 being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant HFC Bank Ltd under account ref xxxxx and assigned to the claimant on 01/09/2006 notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. Stat Barred? Yes Have sent: Acknowledged the Claim, Sent a CPR 31.14 request Other Info: Hi, I've received a claim form on the 19th from the court and wondered if anyone could clear up a few details if possible. Bryan Carter solicitors are acting on behalf of Lowell Portfolio Ltd and they chasing an old debt I had with HFC bank which was assigned to Lowell in 2006 (according to the court claim form). I'm 99% sure this debt is Statute barred and these "people" are chancing it. I've been reading around for a few hours and so far I've logged into moneyclaim.gov.uk and I confirmed "intention to defend all of this claim". I've also borrowed and sent a couple of letters (thanks to the people who put their time and effort into it ). My questions are: 1. Will I receive confirmation from the court that I have 30 days from the issue date (17th sept) to enter a defence online. 2. Is it worth submitting a SAR request to HFC Bank along with the 2 letters below just to remove the 1% doubt about it being statute barred? 3. Am I doing it right? 4. What should I expect next? Thanks. The first is this letter which I sent recorded delivery on the 22nd sept to both Lowell and Bryan Carter. The second letter is this one which is a bit longer (sorry!) I received the following reply for Carters yesterday. I cant post URLS but it was along these lines. We write further to your request for disclosure under Part 31 of the civil procedure rules. Someone has suggested going down the embarrased defence route and sending the following letter next along with another request for info to lowells which is also shown below.

Been playing ping pong games with Uncle Bryan for a while now - I get free paper and stamps. They wanted payment proposals.. so offered them £1.00 per month for two months.. they accepted £1.00, but said it would be reviewed in 90 days.. I pointed out their error and reminded them it was for 2 months and not 90 days.. But my offer was still on the table. They got their crayons out to say they have passed the account back to CrapOne.

Hi all, I have got myself in a mess and probably do not deserve help as its my own fault but here goes. Today i received a Notice of issue of warrant of control from my local county court. The letter states that I have seven days to make a payment of £172 including fees with a remaining balance of £500. If i do not pay this fee then bailiffs will attend in 7 days. Now I think I recall receiving a claim form several months ago from the Northhampton bulk centre court and I ignored it (I am regretting this now). I have several old debts from the early 2000's when i was a student and have moved several times and some remain unpaid. I am unsure what this debt is for. I also received a letter from Bryan Carter today explaining the warrant of control and saying they may take a payment. I know that this means I have a ccj against me but I have a feeling that the debt was statue barred when the ccj was taken out. My questions are: What do I do next? contact Bryan Carter and do a payment plan? What if the debt was statute barred when the ccj was taken out? by ignoring the claim form is it too late to set aside the ccj? I am currently unemployed (living with husband) so cannot offer a substantial amount per month, how do i negotiate with Bryan Carter? I would be really grateful for any help Thank you

Dear All New to this site and have been reading through today. Thankyou in advance for any help you can give me with this issue. I had an HSBC current account dating back to 1994 when I was a teenager. Later when I was a university student they gave me an overdraft with limit £1000 in approx 2001. After losing my job in October 2008 I no longer had an income to put into the account. interest charges took me over the limit and HSBC then put on excess charges for being over the limit and additional charges every time they added more interest taking me further above the limit. After a few months after informing them of my situation they subsequently took the decision to convert the overdraft into a loan. I could not make the loan payments (I'm not 100% if I paid the first one or not) and the account went into default. Either just before the default or maybe a month or so after I sent out letters to all my creditors with offer of a token payment of £1. Although I'm not 100% because of the length of time passed I am assuming I would have written to HSBC who were the second biggest creditor. Again I may have also made the first token payment but unsure if I did. I don't have a record of the default notice from HSBC in my paperwork and do not remember if I received one. In fact the only paperwork I have on this account is a DCA chaser letter from a company called Direct Legal and Collections. For the next year or two I received various chaser letters from Direct Legal and Collections. All of which I binned. Having checked my Experian two years ago I saw an entry for the debt default logged by Lowell Portfolio. This was along with a default logged by HSBC for the same amount with defaults 5 days apart. Both in may 2009. Agreement start dates also differed (HSBC 2008 Lowell 1994). The account number/details also differed. HSBC default was for the new loan account whereas Lowell claim is under the original current account number (although they refer to it as a loan on Equifax/Experian). I also do not have in my records a letter of assignment of the debt to Lowell. Earlier this year I queried the double entry with Experian who contacted HSBC and they removed their record. I have had no other letters about this account for a number of years. Account number on the Lowell record and on the DLC letters differ. A letter has been sent to my mothers address (my original address but I did update HSBC with my change of address in 2009) from Bryan Carter Solicitors who have been instructed by Fredrikson International to commence legal proceedings unless payment is made within 14 days. What would now be the next step?

I received a letter from Bryan Carter Solicitors threatening Court proceedings because I hadn't paid Lowell who were chasing a credit card debt of £1569 on behalf of The Cooperative Group. The credit card debt, although in my name, was racked up by my now ex husband along with lots of other credit cards! We divorced in 2007 and the last payment I made was March 2007. Since then I have been chased a couple of times by letter and phone, but nothing excessive. I was contacted by text a couple of times a couple of weeks ago by Bryan Carter, so last week I wrote to him/them using the statute barred letter, however in the meantime I have received a Claimform. What should I do?

Hi can anyone help me please? I have today received 2 letters - one from Bryan Carter and one from Northampton Court. The one from Bryan Carter says> As you have failed to make repayments on the above account we have now issued litigation proceedings in the County Court. You will recieve a claim form in the next 48 hours direct from the court. Balance including interest court cost and solicitor fees is £1125 I emailed Bryan Carter this morning with the following> Ref your letter dated 18th July 2014, with instruction to pursue through court please find below Re:− Account/ xxxxxx Reference Number :-xxxx I do not acknowledge any debt to your company or its clients. With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement, under the legislation contained within s.78 (1) Consumer Credit Act 1974. 2. A full statement of account. 3. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 4. A copy of any other documents referred to in the agreement. I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a copy of our credit agreement on request. Please note that under no circumstances should this payment be set aside against any alleged debt. If you are unable to supply the documentation requested. I understand a copy of our credit agreement should be supplied within 12 working days. I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act. I look forward to hearing from you, as the alledged matter does not show up on any of my credit reports and i shall defend this in court. Their reply back was> LOWELL PORTFOLIO I LTD V xxxxxxxxxxx ACCOUNT NUMBER: xxxxxxx CLAIM NUMBER:xxxxxxxx Thank you for your email, the contents of which we have noted. We confirm that we are instructed by Lowell Portfolio I Ltd to act on their behalf in relation to the collection of an outstanding balance in the sum of £1,125.70. The debt relates to HFC Bank LTD account number xxxxxxx which was assigned to our client. It is the original creditor’s policy to provide an agreement to its customers at the point of contract and statements throughout and therefore you have already been provided with validation of the debt. Our client will provide a validation of the debt in accordance with the court’s directions. A Claim was issued in this matter on 17 July 2014. Please respond to the claim using the Response Pack provided by the Court. You should comply with the deadlines outlined by the Court in order to avoid a default judgement being entered against you. We recommend that you seek independent legal advice in this regard. Yours sincerely Bryan Carter Solicitors LLP 11 De Havilland Drive, Weybridge, Surrey KT13 0YP Tel: 0845 219 8686 Fax: 01932 341 517 e-mail: info@bryancartersolicitors.co.uk I checked my credit file and i have nothing showing on my account for this debt. The last time it was acknowledged was July 2008. I have had no letters from either HFC or Lowells. Nothing I have signed for by anyone. The date on the claim form says 18th July. The claim form says it was assigned to Lowell portfolio ltd on 23/10/2013 pursuant to the law of property act 1925 What do i do as really do not want to get a ccj as i want to move in 6 months time. Please can anyone help me ==================================================================================== What is the value of the claim? £1125.70 Is the claim for a current or credit/loan account or mobile phone account? Credit account for pc When did you enter into the original agreement before or after 2007? JUly 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. Debt purchaser who has issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? No nothing at all. I would remember if i had Did you receive a Default Notice from the original creditor? I think maybe so yes but if i did it is not showing on my credit file for either experian, equifax or Callcredit for anything relating to this matter Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Nope nothing Why did you cease payments:- Completely forgot about it when the now ex was pregnant and we was struggling Was there a dispute with the original creditor that remains unresolved? Nonei know to - theyve never contacted me Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No never

Hi there Firstly apologies I'm sure this has been done to death but I'm feeling very stressed and I want to make sure I do what I can to get get this stopped or at least to mediation. I also have no idea what this debt is, it seems to relate to Welcome Finance who I suspect may have been a cheque cashing service I used a while back and refused to pay some unfair fines around £300. The claimed amount is £5057 is there a simple list of stuff I need to do. I have registered on money claim but I'm not sure who I send the CCA letter to? Ie To Bryan Carter or Lowell? There is reference to a Welcome finance account ref but nothing else from them. also what do I put in the moneyclaim defence box? Please help

Hi People, just joined this site today as I need advice regarding the aforementioned firm. Late last year I started receiving text messages from a firm called Henderson International asking me to call them and quote the reference on their text message. I called and they wanted my personal details for verification. I declined and asked them to write to me. I didn't hear anything since. However, today I received a similar text from Bryan Carter Solicitors LLP with a reference number to quote. I called them and ironically their manner over the phone was very similar to that of Henderson International. They started off by asking me to confirm my name, DOB, tel no. etc. I refused to confirm my DOB until they told me what it was about. They said they could not until they verified my identify. They also said that they had written several letters to me, none of which I received....perhaps a very old address. I work in finance and have always maintained an impeccable credit record. I checked my Experience Report today which confirmed that there was nothing outstanding. I am perplexed as to why they are contacting me and it seriously concerns me. I am not sure how I should deal with this? Should I provide them with my personal details for verification to find out what it's all about? My concern is that if they are fraudulent they could use my information. Any advice would be much appreciated. Regards

Hi, I hope someone can help me. I have received a County Court Form for a Lloyds current account. So I sent a CCA to Lowell and Bryan Carter. I also sent a CPR 31.14 request to Bryan Carter. I got this reply from Bryan Carter: We write further to your recent letter requesting disclosure under Part 31 of the Civil Procedure Rules. We confirm the Claim Form was issued by the Northampton County Court Bulk Centre and that the Court's Protocol was followed when issuing the Claimant's Particulars of Claim. Practice Direction 7C point 1.4 (3A) eliminates the requirement to attach the documents to the Particulars of Claim when they are issued by this Court. We confirm this matter will most properly be allocated to the Small Claims Track as this is a simple contractual matter and Part 31 of the Civil Procedure Rules will therefore not apply. In any event the Notices of Default and Assignment left the control of the Claimant when they were dispatched to you. It is the original creditor's policy to issue agreements at the start of the start of the contract and statement throughout the duration of the agreement and, in this regard, we ask you to refer to your own records. We confirm we are not agreeable to an extension for filing your defence. We recommend you seek independent legal advice. Can anyone tell me what Practice Direction 7C point 1.4 (3A) and why they won't agree to an extension? I filed the acknowledgement of service on 19 Jan, does this only give me 14 days to write a defence? Thanks, B

Hi, I could really do with some advice here please... Some years ago before we met my wife had a Lloyds Bank account and a Credit Card, the first was overdrawn and the second had an outstanding balance. Both were open / taken out way before 2007 and due to personal circumstances at the time she had to pretty much start a new life. ..We think that the account and card stopped being used around 2007; however neither was ever formally closed and they were left in a state of monies outstanding. Some years ago we started to receive letters from different DCAs and each time I sent the standard response requesting the signed CCA etc. The way I figured an overdraft is an informal 'loan' and as such that and the credit card both require a signed CCA? we have never received a response to any requests and each time a new DCA got involved. Recently a company called Lowells have been sending letters in; initially we ignored them (foolish I know); however they started to threaten legal action i once again sent the standard request for the CCA and sent the £1 PO. This was on 25th November 2013 and to this day no response has been received. It was all sent recorded and I have proof of delivery. Again the lack of response suggested this had gone away but low and behold we get a letter from Bryan Carter expecting us to receive a Court Claim Form within 48 hours and true to their word it landed on the mat today. I have done some reading on this site and most cases seem to be around outstanding Catalogue balances and in some cases only part of the money was being claimed, in this case all of the debt is being claimed by BC. Please can someone advise what my next move should be; we still have no response to the CCA from Lowells and although we cant prove it we believe this debt is over 6 years old I wondered if the Statute Barred comes into effect here? I opened an Experian account for my wife today and there is no reference to this on her credit file at all as a default account? I am guessing that I should send a CPR 31.14 Request to BC and also acknowledge the Claim with the courts and contest it? I have read so much on here today that my head is spinning so any assistance would be very gratefully received. Many Thanks, Mat

Hi everyone I hope someone can help me. On the 17th July I received a letter from Bryan carter advising me that they were taking me to court and I would receive the documents within 24-48 hours, I received the court document the same day from Northampton court. The debt is for Halifax 2009, a debt which was an overdraft (£69) and ended at £539.00 I don't remember this debt and vaguely remember the overdraft, never that amount. I checked my credit file to obtain this information,although that hasn't been updated since December 2009. I have requested an CPR 31.14 from Lowells as these are the claimant and shall enter my acknowledgement of document tomorrow as there is an error on the website (444 error? ) the date of the court document is 17th July. The debt was purchased by Lowell in June 2013, which I had no knowledge of. Now with my defence can I dispute the amount owed ?, what is my next steps once I acknowledge the forms ? Thank you for your help.

Hi,all my wife has just received a letter from Northampton C.C stating that Bryan Carter solicitors LLP, are taking her to court and we have 14 days to respond over a debt of £175 plus interest then £75 court change total £270. i have no idea as to what to do now , it is my wifes debt but in her maiden name. i see that B.C has a bad reputation on here, all help appreciated , thank you

could anyone help with this , i have lowell chasing a debt that they purchased from barclaycard some years ago , im fairly certain that this is SB , on my credit file there is no reference to barclaycard there is reference however to the debt by lowell who have been reporting it since 2008. The account was actually opened in 2004 but as there is nothing under barclaycard i believe it to be SB as lowell only started reporting it when they bought the account , have i made the correct assumption on this?

I guys need some help been sent a claim form from Northhampton CC on behalf of Lowells Portfolio Ltd and Bryan Carters Solicitors regarding a debt we have no knowledge of, seems a bit cliché but we actually do not know how we have this debt. Out of the blue we had a letter two days ago regarding their intentions and then voilà the claim for arrived. I have dealt with debt agencies before but never has the happened so fast, I really need some help and advice on how to deal with this, Thanks

Hi, I would be grateful if anyone could give me any advice with regards to Lowell and Bryan Carter Solicitors. On the 28/06/2014 I received two letters one from Bryan Carter Solicitors dated 25/06/2014 ‘Sent Second Class’ stating that I have 48 hours to respond but the other letter is from the County Court Business Centre ‘Claim Form’ dated 25/06/2014. This is with regards to a debt from Vodafone for £472 that has never been proven by Lowell nor anyone else and I have never spoken to any company about this debt. I have one CCJ put on my file 3 years ago without knowing that this had been done, I don’t know if it was sent to my old address or something. This is the first letter I have received from Bryan Carter Solicitors about this debt. I’m totally confused what is the best action? I have uploaded both letters in question.

Hi , my wife had an old Halifax account that she hasn't used in over 5 years (last used around Feb 2008) and she accrued a debt of over £1400 on the credit card + £500 on overdraft. The original debts were well below these figures but added charges + accrued interest on top, makes these figures as things stand. We then left for Australia as part of my work, and only recently been back. Fast forward now, and the greed machine have been grinding away hard, the latest company to have taken over is Bryan Carter LLP (no less !). This outfit now sent a letter three weeks ago to my wife threatening court action and CCJs. After reading few useful (always!) articles here, I decided to CCA Bryan Carter (+ £1 as per law) and I was about to SAR Halifax. To my surprise, Bryan Carter sent back a reply within 2 days, and they say: "We thank you for your recent letter the contents of which we note. If you require documentation under Consumer Credit Act 1974, you may request this directly from our client with the appropriate fee". In the meantime, please contact us with your payment proposals". How can they chase this debt then if they cannot or do not hold any valid, relevant and original agreement? What is the course of action in this case? Thanks for your help and for reading this.

Hi I hope some one can help, I am in debt like a lot of other people, and have tried to ignore it too, but finally pulled myself togeter and its time to face it head on. I owe HSBC overdraft £215 account taken in about 2000 (approx guess) HSBC CC £1366 taken in 2005 I believe? Co-op Student over draft £2124 taken in 2007 (with lowells and bryan carter now) Very £321 (with lowells) taken 2011 isme £289 (with lowells) 2011 littlewood £649 (with lowells) 2011 I got in trouble after uni as I thought getting a degree would mean a job but as the ecconomy crashed in the middle of my time at Uni, it proved difficult and all the credit that is offered as a care free student soon gets nasty when you finish and dont get a job. I had low paid jobs to start with and couldnt afford repayments, then I had an injury at work, which is when i resorted to catalogues (stupid idea I know). I have sent CCA's to all accounts with Lowells and bryan carter several months ago!! they did not respond with in 12 days?? the only response I've had is 2 days ago a letter from Bryan carter with a copy of my statements from co-op?? nothing else! the letter says I hope this resolves the issue?? what do I do now?? Also the smaller debts with Lowells I was hoping to make a full and final payment offer of about 25% (as lots of the cost is interst and charges). Also the same for HSBC over draft and pay 1 a month off? do you think this is possible? I havent heard anything from HSBC when would they be removed from my credit file? if they are still putting a default every month on my credit file will the debt stay there forever? Sorry it's long winded, I've so many questions and I want to get it sorted so I can sleep in peace for the first time in years.

Hi All Had the claim from Northampton court from the above. I saw an earlier CP 31.14 letter so I have got that ready to go. Day 10 will be 2nd may so will submit AOS online then. do I send the letter now or wait until I register the AOS? thanks