Hi , wonder if anyone can help,

Lowells are threatening legal action ,

i.e having assessed our options,

we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan.

Some background

phone and iPads taken out on contract in early 2012, payments dropped off late dec 2012 due to losing job,

then had a major accident in early 2013 ,

was off immobilised/unable to walk for 11 months,

in the meantime I offered and was paying orange £10 per month,

which by 2014 had stopped,

no money,

yep buried head in sand,

just before christmas 2016 ,

had the letter that lowells had bought the debt

...they have sent various letters over the last 10 weeks ,

the last one being i.e having assessed our options,

we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan.

Any ideas on how to move forward.

..also the sum is quite large around the 2k mark.

..I acknowledge i owe ,

but not that much...

I do not have that kind of money.

..nowhere near..

.can anyone suggest best way forward...

don't want a cjj ,

was thinking of offering a payment of £5 per month, but want a breakdown of charges...

not a lot you can do really

the bulk of the debt will be termination fees or the cost of the full contract running to full term.

I intend to take my dog out soon

if I do is another matter.

its getting close to its SB date I expect?

so that why they've started willy waving.

what does your credit file say.

had any discount letters yet?

Never checked credit file

yeah I had a feeling Statue Barred was coming up in about 10 months,

had no discount letters

if there is not a lot I can do

If I offer to pay only £5 per month , do they have to accept ...will the default if there is one drop off in 10 months...regardless if I enter into a payment plan with them or does that start the six year default process..

and thanks for your help , much appreciated

oh god no don't start offering payments

you'll reset it

go get your credit file

even if they do do court

if its mostly rest of contract summed

then they rarely win ..

Ok , got credit file from Noddle ...only default is a vodafone contract , which i paid off ...lol, will be speaking to Lee if he is still around...no orange account , no searches by lowells

I have checked other credit reference agencies...nothing , no accounts for orange, no searches by lowells etc, however did show a couple of things that were not on noddle...but nothing related to lowells

lees not hear anymore you have to go via their webchat thing I thinkj.

so no sign of this then..urmm..

could it have been earlier?

and the default has reached 6yrs thus removing the account?

An account was started in 2011 cannot remember time of year , I just added to the account in early 2012 , but there is nothing on any of the credit reference agencies no orange account , no searches by lowells, just searches where i have applied for financial products...

So what would you suggest is the best course of action ...? I have a sneaking feeling they are fishing

go ring EE and ask last payment date.

What if EE cannot give me that info ...and can lowells still chase me ..?, even though they said they will check my credit file in one of the letters they sent the one before they decided they said will take legal action...

oh and thanks...much appreciate this help

Just remember a DCA is not a bailiffs

They have no more powers than you or i

But can they take this court... even if I just ignore it...I assumed the account had to be showing on your credit file...for them to take control of it and default it

A debt buyer can't default a debt..

Only the original company can

No it doesn't need to be on your file to go to court

But as I said

If you or I are owed Money

All we can do is raise a CCJ claim form

That's all a dca can do as well

Might pay you to read HERE rather than elsewhere

So what is the best way forward...ignore them...and wait to see if they issue a CCJ claim ...once issued will that appear on my Credit File ?, and thanks again

If you lose it will appear yes

Fat chance of that though methinks

Ring we first get that info...

Ok will give them a ring....willl they inform lowells of the call...?

No

Nothing to do with them now

ok , will update here, once Ive called

Hi , before I make the call. just want to enquire, will EE place a default on my file as I have got in touch with them?

post 18 apllies

Okay , just called them , last payment was in dec 2014

Any idea where I go from here...do I wait for lowells and then apply what this poster has done

http://www.consumeractiongroup.co.uk/forum/showthread.php?473809-Lowell-Lowells-Solicitors-Claimform-old-Orange-mobile-debt/page3

you wait

but pers I wouldn't be following that thread too closely

the op wtih the greatest respect has little clue what they are doing and are making mistakes by not following advise properly.

loads of others here

but why worry

we'll help

but if you do get a claim

comeback here FIrst before you do anything!!

Hi Thanks

What do find strange is reading lowells letter about EE having sold the debt , in the guff they have written , it says EE Limited has registered details of an unpaid balance on your credit file in the form of a default...but they have not...I checked all credit file agencies