bw/Lowells claimform - old welcome finance loan 'debt'

[claboon]

Hi I have recieved a county court form from bw legal stating that they have been assigned a debt from welcome finance. I have checked my credit report and can't find any record of this debt with the amount that i apparently owe. Does this mean they haven't got a leg to stand on?

 

Any help appreciated

[AndyOrch]

Hi claboon and welcome to CAG

 

Court Claim from Northampton?

 

Regards

 

Andy

[claboon]

Hi thanks Andy. yes it is from Northampton

[citizenB]

Your thread title implies that you have received a claim form from the court ? Is this correct ?

 

If so, you need to have a read of the link below, respond to the questions asked, by putting your answers in this thread. We will then be able to help you.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

If it is just a letter from BW Legal advising that they are assignees of the debt (Actually it will be Lowells) then can you either post a copy of the letter, suitably edited or type out exactly what it says.

[claboon]

It is a county claim form that I received

 

the date of issue 26 Jan 2015

 

the particulars;

the claimant's claim is for the sum of 414.93 being monies due from the defendant to the claimant under a personal loan agreement regulated by the consumer credit act 1974 between the defendant and welcome finance services ltd under account ref ******* and assigned to the claimant on 30/08/2012 notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the aggreement and a default notice has been served and not complied with. The claim also includes statutory interest pursuant to section 69 of the count courts act 1984 at a rate of 8.00% per annum (a daily rate of 0.06 from the date of assignment of the agreement to 23/01/2015 being an amount of 52.62

 

the value of the claim is 329.93 court fees 35 solicitors fee 50 total claim 414.93

 

i believe its for a personal loan taken out either 2006 0r 2007 but its hard to tell if i still needed to pay debt since theres no sign of this debt on my credit report or any matching balances in default

[claboon]

I have recieved other notices but like i said there is nothing relating to this debt on my credit report

[claboon]

I'm not sure which parts that i need to include in these sections of the CCA request letter...

 

 

This letter is a formal request pursuant to s.77/78/79(delete as appropriate) of the consumer credit Act 1974.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77(4)a/78(6)a/79(3)a(delete as appropriate) will apply

 

please help kind regards Claire

[fkofilee]

Have you checked your credit file for Lowell? BW Legal work with Lowell to collect Welcome Debts.

[SabreSheep]

follow post #4

[AndyOrch]

Its section 77 but if you could complete the link and provide answers to all the questions then we can advise accordingly with what you need to do now.

[claboon]

I have checked for lowell on my credit report and a couple of defaults have come up

but with different amounts than the one being claimed.

 

 

As for answers to the other questions its hard to say when payments stopped as its not shown on my report.

 

 

I did go into a debt management plan but ended that in 2010 around june july time

as i was unable to pay due to unemployment and starting uni so i could work towards putting myself in a better financial position.

[dx100uk]

link in post 4 please.

 

 

post the results here

dx

[claboon]

Ok I am in the process of sending the CCA letter to Lowell and BW Legal and will keep you updated,

 

Thanks Claire

[dx100uk]

CPR to BW