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Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

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  • Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

    I have written about my predicament on a few occasions. BC are chasing a debt on behalf of Lowell. The process started back in April and now is a court stage. The hearing is towards the end of October. I originally wrote a CPR letter (cant remember if that’s the right acronym but it was a request for info, albeit in an old format) and then never understood the follow up action I could have taken!
    I stand by that this debt is statute barred but the whole process was started as I noticed two altered file dates on my credit report – it appeared back in January 2014 and I queried the dates with Lowell via my credit report website. I disagreed the default dates purely through knowing my situation during this period – I have no written evidence but the default date would have been in 2007, possibly early 2008 at the latest.
    After reading one success story, in which they backed off 15 days prior to the hearing date, I have a few queries. As I have a complaint in process with both Lowell and the financial ombudsman, with regard to the release of contractual info, BC wrote to me months ago to advise the court proceedings were on hold. Obviously, this hasn’t occurred and the most recent letter from them states they put the ‘account’ on hold, rather than court proceedings. I, at least, have all of this in writing. Will it be worth highlighting this in my evidence prep? Can I also add a statement regarding my living situation at the time of a payment accusation made by Lowell/BC (I think more BC than Lowell, to be honest)? I feel they may say they came to my residence and a cash payment was made, as a card payment cant be proved to have been made, I have the evidence for this already.
    BC have only ever replied stating the evidence will be presented at court. If they had definite information would they be able to strike the defence out prior to any hearing? So, I guess my question is, does this give me abit of hope? The last communication I had from Lowell was that it was taking ‘sometime’ to get the info from the original creditor in order to deal with my complaint. I have heard nothing since. Could BC be acting independently from Lowell at this stage? So, a last minute attempt to scare me? If they had the evidence and I was guilty then would they still wait for court, or would they be more aggressive in their tactics?
    I’m coming up to the 11th hour and don’t want to be bullied into paying when I think the debt is SB but, if I did, am I past the point of avoiding a judgement? I see Lowell are also pursuing more debts that are most certainly SB – notably one from 2006 – if I start to pay I’m worried it will lead to more questionable tactics. I definitely think my credit file has been altered and wonder if this is easy to do, from the debt company’s point of view.
    Is there anything else I cant write to BC/Lowell for a final defence? To clarify my situation? I feel very unprepared for court and understand I need to keep it short and to the point.
    Any pointers would be very confidence boosting! Everyone is always very sure with their responses here but it’s a tricky situation – I am terrified at the thought of going to court and, not only losing, but not being able to get my point across (terrible at public speaking). Last minute ammo is greatly appreciated! I'm very stressed.

  • #2
    Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

    Originally posted by okateo View Post
    I have written about my predicament on a few occasions. BC are chasing a debt on behalf of Lowell. The process started back in April and now is a court stage. The hearing is towards the end of October. I originally wrote a CPR letter (cant remember if that’s the right acronym but it was a request for info, albeit in an old format) and then never understood the follow up action I could have taken!
    Yes, it would have been a CPR request. As you have a hearing, you must have submitted a defence and gone through the motions. What was your defence?
    Originally posted by okateo View Post
    I stand by that this debt is statute barred but the whole process was started as I noticed two altered file dates on my credit report – it appeared back in January 2014 and I queried the dates with Lowell via my credit report website. I disagreed the default dates purely through knowing my situation during this period – I have no written evidence but the default date would have been in 2007, possibly early 2008 at the latest.
    Did you submit a SBd defence?

    The default dates on your credit file have no relevance with regards to SBd. If there's been no payment or written acknowledgment (such as a repayment offer) in at least 6 years (in England and Wales), then it would be SBd and the onus would be on THEM to prove it isn't, not on you to prove it is. Do bear in mind the clock stopped ticking when they issued proceedings, if it was back in April, then it would be 6 years up to April not up to now.

    Originally posted by okateo View Post
    After reading one success story, in which they backed off 15 days prior to the hearing date, I have a few queries. As I have a complaint in process with both Lowell and the financial ombudsman, with regard to the release of contractual info, BC wrote to me months ago to advise the court proceedings were on hold. Obviously, this hasn’t occurred and the most recent letter from them states they put the ‘account’ on hold, rather than court proceedings. I, at least, have all of this in writing. Will it be worth highlighting this in my evidence prep?
    That would be just one of their template letters which are pre-worded like that, it can be misleading when people fail to file a defence, but that wasn't the case here so it won't make any difference.
    Originally posted by okateo View Post
    Can I also add a statement regarding my living situation at the time of a payment accusation made by Lowell/BC (I think more BC than Lowell, to be honest)? I feel they may say they came to my residence and a cash payment was made, as a card payment cant be proved to have been made, I have the evidence for this already.
    I've never heard them use that argument, it would be rather unusual to argue that you paid cash to a doorstep collector, they'd still have to show PROOF.

    Comment


    • #3
      Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

      Originally posted by okateo View Post
      BC have only ever replied stating the evidence will be presented at court. If they had definite information would they be able to strike the defence out prior to any hearing? So, I guess my question is, does this give me abit of hope?
      What sort of evidence is that? Evidence of a payment made in the last 6 years?
      Originally posted by okateo View Post
      The last communication I had from Lowell was that it was taking ‘sometime’ to get the info from the original creditor in order to deal with my complaint. I have heard nothing since. Could BC be acting independently from Lowell at this stage? So, a last minute attempt to scare me? If they had the evidence and I was guilty then would they still wait for court, or would they be more aggressive in their tactics?
      BC wouldn't be acting independently of Lowell as such but they are their appointed lawyers and have a duty to do what's best for their client's interests. As they have taken you to court, they can't be any more aggressive in their tactics, there is nothing they can do at this stage until the court decides which way it goes.

      Originally posted by okateo View Post
      I’m coming up to the 11th hour and don’t want to be bullied into paying when I think the debt is SB but, if I did, am I past the point of avoiding a judgement? I see Lowell are also pursuing more debts that are most certainly SB – notably one from 2006 – if I start to pay I’m worried it will lead to more questionable tactics.
      They can pursue all they want, what they are hoping for is that people won't know about SBd and either admit the claim or ignore it and get default judgment.

      Originally posted by okateo View Post
      I definitely think my credit file has been altered and wonder if this is easy to do, from the debt company’s point of view.
      Credit files can be updated by creditors at any time. The updates can be accurate or inaccurate. If the data shown is not accurate, you can contact them to get the entries corrected, however, none of that matters for the purpose of your court case. Dates on credit files are not evidence of SBd status or otherwise. :nono:
      Originally posted by okateo View Post
      Is there anything else I cant write to BC/Lowell for a final defence? To clarify my situation? I feel very unprepared for court and understand I need to keep it short and to the point.
      Any pointers would be very confidence boosting! Everyone is always very sure with their responses here but it’s a tricky situation – I am terrified at the thought of going to court and, not only losing, but not being able to get my point across (terrible at public speaking). Last minute ammo is greatly appreciated! I'm very stressed.
      Once you've submitted your defence, you won't be adding anything to it in writing at this stage. As far as ammo is concerned, what exactly are you disputing with them? The dates of last payments?

      Comment


      • #4
        Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

        Thanks so much for this. I will need to research the Sbd defence as I know nothing about it.
        I understood I can submit my own evidence 14 days prior? There's been no payments but I don't have a clue about offers-I'm sure Lowell would have sent in offers over the years but I won't have recieved them as they've never had any up to date addresses.
        I formally complained to Lowell about the non release of info requested and the commencement of court action when advised it would stop. They completed a formal investigation and never responded so I esc the the FO. It's with them now.
        I'd really like to look into your response and reply when on my laptop. This site is tough going on my phone! Re written this 3 times now!
        Im really grateful for your response and I'll get my head around your pointers.
        many thanks and hopefully I'll respond better tomorrow!

        Comment


        • #5
          Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

          Sb'd defence basically you want to look at section 5 limitations act 1980
          #staysafestayhome

          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

          Received a Court Claim? Read >>>>> First Steps

          Comment


          • #6
            Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

            Originally posted by okateo View Post
            Thanks so much for this. I will need to research the Sbd defence as I know nothing about it.
            I understood I can submit my own evidence 14 days prior? There's been no payments but I don't have a clue about offers-I'm sure Lowell would have sent in offers over the years but I won't have recieved them as they've never had any up to date addresses.
            I meant offers made by YOU, not them! It doesn't matter how many offers they send you or whether you received them or not, it only constitutes acknowledgment if you, say, responded to one of them saying "I can't afford to pay 70% of the balance as per your letter but I could offer 40%" or you made a written offer to pay a certain monthly amount.

            Comment


            • #7
              Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

              Originally posted by okateo View Post
              Thanks so much for this. I will need to research the Sbd defence as I know nothing about it.
              Originally posted by Amethyst View Post
              Sb'd defence basically you want to look at section 5 limitations act 1980
              Actions founded on simple contract
              5 Time limit for actions founded on simple contract.

              An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.
              http://www.legislation.gov.uk/ukpga/1980/58

              An example: http://www.legalbeagles.info/forums/...957#post390957
              Another example: http://www.legalbeagles.info/forums/...862#post452862

              Comment


              • #8
                Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

                just wanted to say a massive THANK YOU to flaming parrot and amethyst - and anyone else who offered their view on things..... got a letter through yesterday stating the claimant had ceased all court action....... Honestly, if I hadn't have come on here the few odd occasions then I know I would have given into the pressure around about now!!!!!! it's difficult to look at things so logically when you're emotionally stressed about it all, and not very educated regarding the entire process.

                Hooray for this forum!!!!!!!!!!!!!!!eace:

                Comment


                • #9
                  Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

                  :whoo: Congratulations

                  Kx
                  Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                  It doesn't matter where your journey begins, so long as you begin it...

                  recte agens confido

                  ~~~~~

                  Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                  I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                  But please include a link to your thread so I know who you are.

                  Specialist advice can be sought via our sister site JustBeagle

                  Comment


                  • #10
                    Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

                    Originally posted by okateo View Post
                    just wanted to say a massive THANK YOU to flaming parrot and amethyst - and anyone else who offered their view on things..... got a letter through yesterday stating the claimant had ceased all court action....... Honestly, if I hadn't have come on here the few odd occasions then I know I would have given into the pressure around about now!!!!!! it's difficult to look at things so logically when you're emotionally stressed about it all, and not very educated regarding the entire process.

                    Hooray for this forum!!!!!!!!!!!!!!!eace:
                    Well done for sticking with it, I know it can get tough, but remember it is a game of chess and often it is a case of who can hold out the longest xx

                    Check with the court that they have been notified of the claimants decision - putting on hold is different to discontinuing - so need to know exactly what their letter says really to be able to say whether that'll be the end of it or if you need to do something to ensure it is the end of it.
                    #staysafestayhome

                    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

                    Received a Court Claim? Read >>>>> First Steps

                    Comment


                    • #11
                      Re: Court Date Stage Vs Lowell/BC - Last Min Urgent Help Required!!!!!!

                      Originally posted by okateo View Post
                      just wanted to say a massive THANK YOU to flaming parrot and amethyst - and anyone else who offered their view on things..... got a letter through yesterday stating the claimant had ceased all court action....... Honestly, if I hadn't have come on here the few odd occasions then I know I would have given into the pressure around about now!!!!!! it's difficult to look at things so logically when you're emotionally stressed about it all, and not very educated regarding the entire process.

                      Hooray for this forum!!!!!!!!!!!!!!!eace:
                      Glad to have been of help! :grin:

                      Brilliant news, I think congratulations are in order!



                      WELL DONE!


                      Comment

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