Hey all, quick update. BW Legal finally responded with a letter. The basics of the letter as follows: Original creditor: Capital One Balance due: £451.19 A county court claim has been issued against you. On 20/01/2014 our client issued a county court claim against you in the northampton(county court bulk centre) Accordingly we enclose by way of service particulars of the claim response pack If we do not hear from you within 14 days of the date of this letter(on the letter its printed as 11 february, however on the envelope it says it was posted in leeds on the 18 of february) we shall apply to the court to enter a county court judgement against you. Basically what should I do next, I received nothing from capital one saying that the debt had been transferred to someone else. It is a debt which I had forgotten about. I'm concerned about the time frame as I am unable to get anything in the post to them until Tuesday at the earliest. I do not contest that i actually owe money to capital one but I'm not so convinced that I owe that amount. I'm happy to pay what I owe but I cannot afford to pay it all in one go, what are my options?

Thank you for the info, I'm unable to open the link you gave me but do I need to send a cpr31.14? Or do I wait and see if they respond?

Thanks citizenB, yes I have acknowledged the claim online

No they have not replied, I have received nothing

Post #9 in your thread? Thank you I will get that sorted Thanks again

No, I sent a letter asking what the debts are basically, not really sure what I should be doing! I have copied this from another post, is this what you mean? Account No: After conducting an audit on my account I wish to request a copy of my dafault notice and copy of the assignment. Further to this, I have no recollection of ever receiving such a notice, and I therefore require you to substantiate this data. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit. Your obligation also extends to providing a statement of account. I enclose a £1 cheque to cover the statutory fee. 2. Please also supply me with a signed, true certified copy of the original default notice. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. I would request that this data is provided to me within the next 14 days. If you are unable to provide this data then I require all adverse information to be removed completely, including any defaults that may have been applied. Please note that mere correction or amendment to the entry will not be acceptable. Yours faithfully

These people(Lowell/BWLegal) are not replying to my letter, I have not received the information they say that they have! What do I need to do in this situation?

Hi all, well I sent a letter to Lowell/BWLegal and have not received a reply! Is there anything else I should be doing? What should I do if they don't reply? I have acknowledged the claim online but not sure what to do next! Thanks in advance

Thank you, I will write and ask them what they are made up of Thanks again for the help

Thanks for the relies, the issue date was 20th of January 2014

Thank you for the reply, not had one of these before so do I just fill in the forms and return them to BW?

Hi all, It's a while since I've been on, but your advice in the ast has been excellent so thank you. Today I received a claim form from NorthamptonCCBC, Claimant - Lowell/BW Legal. It says that I owe £451.19 but it does not say what its for or who its from so I'm rather confused! I have had debts in the past but obviously if I don't know what it's for how can I be expected to pay it, Don't get me wrong, If I owe it then I'll pay it but I have absolutely no idea what it's for! Please see attached photos of the form and thank you in advance for any help

Have received this email from amazon, How is this legal? "Greetings from Amazon.co.uk. We have reviewed the buyer's claim and the information you provided. As mentioned previously, the item you sold was different from the item referenced on the product detail page. As such, the buyer is not required to return the item to you and is entitled to a refund." So they have refunded him despite my saying that I will refund the buyer as soon as the phone is returned. There must be something I can do, This is basically theft

I have also noticed today that there are phones advertised in the same section that state the same as my ad, that they are locked to networks, so how come amazon does not remove them?

Hi guys, I recently sold a mobile phone on amazon, The hone was locked to O2 but there was no specific section to advertize in so I put it in the unlocked section and made it very clear in the write up that the phone was not unlocked, anyway it was sold on the 6th of November 2011. It was received by the buyer and I heard nothing else until the 20th of December 2011, the buyer said that he did not realize that it was locked and wanted a refund and he raised a claim with amazon. I was told by amazon that i had to refund the buyer because it was not advertised in the correct section. That is fine as said I was aware of that and made it clear that the phone was locked to O2, However according to amazons own terms and conditions, returns must be made within 14 days of purchase, as you can see from the dates above he actually asked for the refund 6 weeks after purchase! Basically amazon have said that I must refund the buyer even if he does not return the phone, They have actually put my account in the red by £134 by refunding the buyer and I have not even had the phone returned, is this actually legal? I have asked them so many times about the terms and conditions stating 14 days to return electrical goods and they refuse to answer. I said that I was perfectly happy to refund the buyer when I received the phone in the condition it was sold in, they told me then that they "We understand that you may not agree with this decision, but we will not be able to assist you further with this claim and there will be no further response to your e-mail messages regarding this transaction." Then the next email I received said this "We have previously requested information related to the below order due to the A-to-z Guarantee claim received from your buyer. This message is to inform you that, in accordance with our agreement with you, we have determined that you are liable for the following Amazon.co.uk A-to-z Guarantee claim because this claim has been unsuccessfully represented. As such, Amazon.co.uk has advanced credit to the buyer on your behalf." But they didn't answer me when I represented my case, they just brushed it off and didn't answer my questions!!! Now they have to left me owing them £134 and to be honest I cant understand how they can get away with it, They have said that they will not answer my emails and the buyer is also not answering my emails asking for the phone to be returned. Is there anything I can do or have I been conned somewhere along the line! I have kept all the emails received from amazon and sent by me to amazon.