Hi and thanks for adding me to the forum. I found this forum via MSE
I have received a summons from Lowell for under £1000 but have no idea if it is valid or not. I have therefore lodged a complete defense to their claim.
Lowells claim to have bought the account in January 2009 which is five years and ten months. That alone stinks as it would mean that the bank account was sold on to Lowells when just two months into the red or am I reading that wrong? It looks to me that their claim could have been fiddled to keep it inside the six years. The last I heard about this account was in 2005 at the very latest and am pretty sure it was only a fraction of the claimed amount.
Lowells have ignored my request to issue any paperwork such as a copy of the original agreement, default notice(s) and bank statements for what the money was supposed to have been spent on so I have no idea if their claim is genuine or pumped up.
Questions. How do I find out if the claim is statute barred? Would Lowells claims to have written to me count as unbarring the claim?
How do I apply for a trike out and what reasons do I give for requesting it?
I am on Pension Credit, do I have to pay a court for requesting a strike out? What form would I use for this?
If it goes against me can I make an offer for a full and final settlement, and if so would I make this to the court, Lowells or Capital One?
What sort of percentage of the claimed amount should I offer? Can I pay Capital One rather than these leeches?
I have received a summons from Lowell for under £1000 but have no idea if it is valid or not. I have therefore lodged a complete defense to their claim.
Lowells claim to have bought the account in January 2009 which is five years and ten months. That alone stinks as it would mean that the bank account was sold on to Lowells when just two months into the red or am I reading that wrong? It looks to me that their claim could have been fiddled to keep it inside the six years. The last I heard about this account was in 2005 at the very latest and am pretty sure it was only a fraction of the claimed amount.
Lowells have ignored my request to issue any paperwork such as a copy of the original agreement, default notice(s) and bank statements for what the money was supposed to have been spent on so I have no idea if their claim is genuine or pumped up.
Questions. How do I find out if the claim is statute barred? Would Lowells claims to have written to me count as unbarring the claim?
How do I apply for a trike out and what reasons do I give for requesting it?
I am on Pension Credit, do I have to pay a court for requesting a strike out? What form would I use for this?
If it goes against me can I make an offer for a full and final settlement, and if so would I make this to the court, Lowells or Capital One?
What sort of percentage of the claimed amount should I offer? Can I pay Capital One rather than these leeches?
What do I do?
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