Hi i registered on the website to acknowledge the claim online, i clicked i wanted to defend it says what are my reasons for defence, what should i out in the box or have i clicked on the wrong part? i havent submitted yet as not sure what to put, other letters have been posted to llowel and bw legal. any advice be great never done this before. thanks

Think it's bw legal or sumthing so I'll send CPR to them thanks x

Other letter (silly predictive txt)

Ok I may as well defend it if they are going to give me a ccj anyway?? This debt has been passed around a handful of dca's and when I've sent cca requests nothing comes back all goes quiet for a while and then another crops up. I'll acknowledge the claim defend it and send the cca request and other kettle mentioned recorded delivery to Lowell tomorrow? Thank you will keep this updated x

'the claimant's claim is for the sum of 390.21 being monies due from the defendant to the claimant under a mail order agreement regulated by the consumer cedit act 1974 between the defendnt and jd williams under the account ref ********* and assigned to the claiment on the 20/12/2012 notice of which has been given to the defendent, the defendet failed to maintain the payment under the terms of the agreement and a default notice has been served and not complied with. the claim also includes intrest to section 69 of the county courts act at a rate of 8.00% catalouge was taken out roughly 5 and half years ago. (most of this amount is charges) where do i go from here im loosing sleep over this i really dont want a ccj and just need to know if me contacting lowell and setting up oayment arrangments is enough to stop this going any further. thank you

Hi issue date 19th feb but recieved today .....its for jd williams catalouge for 310 pounds plus court fees... . Have no idea what to do with it. How do i go forward is it possible to set up payment arrangments without getting a ccj now or am i going to get one anyway? Thanks x

Hi yesterday i recieved a letter from northampton court saying i had 14 days to reply with my admission or denial at a jd williams debt for 310 pounds. This catalouge debt is about 5years old and is mostly charges a couple of years ago i got letters from several debt collectors inc llowell i sent back proof it letters with the pound postsl orders no one came back with anything and all went quiet until the court letters it wants my employers details income outgoings etc.. ...i could really do without a ccj!! Should i contact llowell and ask them to set up a payment plan? Do i tell the court ive done this? I only work 16 hours per week and with 2 kids i can set up payment plan. Never had a court letter so dont understand it all. Thanks in advance Claire.

hi, i sent of my paper tax credits reneweal approx 3 weeks ago and havent heard anything, i know this is there busiest time but im worried my payments will stop as the deadline is tomorow and when i try and ring them it cuts me of saying they are to busy, should the payments continue as long as they have recieved my renewal in the post? my payments havent changed so i know it hasnt been processed yet as i earnt about a grand more than what i did last year so i think they will probs go down a bit. I know it might not seem a big deal but with 2 young kids and only working part time i will be in difficulty should they just stop. thanks in advance xx

Yes they are on there x

Hi, approx 2 years ago I got into financial hardship my partner who is self employed had not much work and I was only able to pay my priority bills as I only work part time and have 2 young children, I defaulted on a barclays loan and a barclays overdraft I offered them a reduced payment and told them of financial hardship yet nothing got resolved I buried my head in the sand stupidly and I think they sold the debt to someone else but not sure who. I checked my credit file and it just says Barclays still with a red number 8 which is obviously bad! I really want to pay them back now but I have no idea how to do this I owe them 1400 personal loan and 482 overdraft. I don't know where any of my letters are as I've moved house since. Please could someone advise that if I wrote to them offering to pay them 150 a month back starting immediately would they accept my payments I don't want to pay a DCA the money I want to pay barclays off. Also what address should I write to them at does anyone have it? I know I've been stupid but just want to put it right now. Any advice appreciated. Thanks Claire.

Hi please could someone give me some advice on power 2 contact / credit solutions i suspect they are the same company. Last year got into financial hardship i work part time my partners self empoloyed buisness doesnt make much money and i have 2 young kids to support, i bascially owe barclays £460 from a overdraft i got in touch with barclays and filled 2 income expenditure forms in for them and offerd them 10 pound per month repayment to be reviewed every six months and if i could pay more i would they didnt reply so now its been passed to credit soloutions who sent me a letter from power 2 contact saying they were coming to my house to recover full amount i was furious as it was so agressive this is the 1st letter ive had of them and that day i had a family bearvement so i sent them a angry email saying i know my rights i dont want anyone at my door and if they come i shall call police they have wrote back saying they offer a door step collection service as a option to our customers in guidelines to office of fair trading they would give me adequate notice of the visit they go on to say they want the full balance immidiatly where its not possible a short payment plan can be arranged however this is simlpy to allow the customer time to gather the full balance. they want financial statements of me detailing all income and outgoings they want to know what benefits i get and they want supporting documentation from benefit agencies they also want copies of wage slips i have to forward all of that straight away. Is that right do i have to send them details of my tax credits etc i dont even know where half my paperwork is! and there is a childcare element on my tax creds which doesnt go into my pocket it goes to pay childcare fees but they could say my income is more with that. Any advice on a reply to them?? thanks so much x

sorry for my stupidity what is Linkedin? also how do you know they viewed x

you could send them the doorstop letter from your father in law, send it recorded, you could also send them a CCA request the template is in the library with a £1 postal order. Im sure someone more professional will be along soon to answer, try not to worry to much they dont have any legal rights and you dont have to answer the door or speak to them, have a hand printed door stop letter ready to hand over and shur the door or just chuck it thru the letter box at them. claire

I sent the lewis group a cca request with the pound postal order recorded as they were sending field agents to my home constantly and ignorning the doorstop letter they have replied and said they do not have to issue me with a cca as they are acting on behalf of JD williams so they suggest i submit my request to them they have kept my postal order. What letter should i send back? thanks claire

they must be buying old studio debts i got this very letter this week RE studio £141 pound thats at least 4 and half years old.