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  1. #1
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    Default lowell v shirazi

    issue date: 07/04/2017
    amount: 775.05
    claimant: Lowell Portfolio Ltd
    original creditor: O2 (UK)

    I have received a County court business centre "claim" form from Lowell portfolio LTD. which was sent to my parents household where I have not lived now for nearly six years. It was a mobile phone bill from 2013 with O2 (approx £40) which I could not afford to pay at the time being a student and living abroad during summer. Despite informing O2 at the time, the bill continued to increase with added penalties (£597), which meant it become more and more unaffordable. I'm assuming the debt was passed onto Lowell Ltd with whom I have never responded to in anyway at all. Looking for some advice on what I should do now and how to go about it, as I have no experience with this type of thing. It would be very much appreciated ! thanks.

  2. #2
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    Default Re: lowell v shirazi

    First Steps |

    - - - Updated - - -

    First Steps |CPR 31.14 Request CPR to solicitors no charge send Recorded Delivery and keep copy on your request copy file

    - - - Updated - - -

    go on line to MCOL top of blue N1 form sign in details, and acknowledge of claim, and tick defend all, others will be here soon no doubt to further advise @Diana M @nemesis45
    Last edited by Kati; 14th April 2017 at 11:08:AM.

  3. #3
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    Default Re: lowell v shirazi

    can you upload the claim form but cover up personal details and reference numbers?

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    Default Re: lowell v shirazi

    Quote Originally Posted by shirazi View Post
    issue date: 07/04/2017
    amount: 775.05
    claimant: Lowell Portfolio Ltd
    original creditor: O2 (UK)

    I have received a County court business centre "claim" form from Lowell portfolio LTD. which was sent to my parents household where I have not lived now for nearly six years. It was a mobile phone bill from 2013 with O2 (approx £40) which I could not afford to pay at the time being a student and living abroad during summer. Despite informing O2 at the time, the bill continued to increase with added penalties (£597), which meant it become more and more unaffordable. I'm assuming the debt was passed onto Lowell Ltd with whom I have never responded to in anyway at all. Looking for some advice on what I should do now and how to go about it, as I have no experience with this type of thing. It would be very much appreciated ! thanks.
    Hi Shirazi,
    @MIKE770 has pointed you very clearly to what do.

    Is this being processed by Lowell Solicitors Ltd?

    Have you acknowledged service of the claim? You can do this on line at MCOL ( information on this is on the claim forms.

    You have 14 days initially to respond the from the issue date on the N1 form once acknowledged you have 28 days from the issue date.

    So acknowledge and state intention to defend in full but do not enter a defence at this stage.

    If you fail to respond in time you are in danger of getting a judgment against you by default.

    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





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    Default Re: lowell v shirazi

    I have now acknowledged the claim online and I have also attached a copy of the form (hope it works). i wasn't sure about this part of the CPR request and wether the CPR 31.14 actually applies to this form. thanks again for your help!

    NB: ONLY LIST HERE DOCUMENTS THAT ARE MENTIONED IN THE PARTICULARS OF CLAIM ON THE FRONT OF THE CLAIM FORM - eg. IF THEY DON'T MENTION ' DEFAULT NOTICE' YOU CANNOT ASK FOR IT UNDER CPR 31.14, IF THEY MENTION CONTRACT rather than AGREEMENT - ask for the CONTRACT...IF IN DOUBT TYPE OUT THE PARTICULARS OF CLAIM AND ASK ON THE FORUM.
    ( and remove this paragraph too!!!!)

    for EXAMPLE
    1. Agreement / Contract
    2. Default Notice
    3. Assignment
    4. Formal Demand





    Attached Thumbnails Attached Thumbnails Form 5.jpg  
    Attached Files Attached Files
    Last edited by shirazi; 19th April 2017 at 21:13:PM. Reason: wrong files attached

  6. #6
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    Default Re: lowell v shirazi

    I have now acknowledged the claim online and I have also attached a copy of the form (hope it works). i wasn't sure about this part of the CPR request and wether the CPR 31.14 actually applies to this form. thanks again for your help!

  7. #7
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    Default Re: lowell v shirazi

    Quote Originally Posted by shirazi View Post
    I have now acknowledged the claim online and I have also attached a copy of the form (hope it works). i wasn't sure about this part of the CPR request and wether the CPR 31.14 actually applies to this form. thanks again for your help!
    CPR31.14 applies as said to the documents mentioned in the particulars or the claim only e.g. an agreement, default notice , notice of assignment these are the documents most mention in POCs. The form posted is the instruction on how to deal with a claim Form N1 is the claim form.
    nem
    The Advice I Give and Draft Letters Provided Are Drawn From Personal Experience and Career Training And Are Given Freely And Without Liability.
    Please make your own decisions with care and if necessary seek qualified legal advice.
    I will not advise by Private Message. If Specific Advice is Needed please Tag me in your post by typing @Nemesis45 . If you receive messages from anyone offering advice for a fee please report it to the site team. Animo et Fide.





  8. #8
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    Default Re: lowell v shirazi

    Repost your claim form and remove your password.

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