I have received a pre court paperwork from Lowell Solicitors to fill out and send back.

I am disputing the debt as belonging to them but not sure what I need to do next.

the debt was assigned/Sold to Lowell 18 months ago

they are claiming the full amount outstanding to Vodafone, but on checking my credit file bot Lowell and Vodafone are marking my credit file as the debt belonging to them.

the other thing I would like to get hold of is how much Lowell paid for the debt because this debt is subject to VAT and if they only paid a percentage of the debt, they can not claim full amount because of the VST debt relief Scheme

if Vodafone used this to claim back VAt on debt Lowell can not claim the part of the debt claimed back by Vodafone. any ideas what to do next

No sure where you are reading about that silly vat stuff

Doesnt play a part

Now ill gather you have a pre action protocol letter of claim with an i+e reply form to fill in?

We have a guide please use that

The fact you have 2 defaults for the same debt is immaterial it doesnt hurt you twice as long the defaulted data is the same

Hi,

I don't want to get your hopes up but if you read other Lowell/Vodafone threads you will see that when a court case is defended, on occasion, Lowell drop it at the last minute. The main reason being that they cannot locate the agreement. Vodafone use an off site storage location for all the contracts but they are rarely kept in any order so when a contract is needed, they have great difficulty finding it. I don't know if this applies to contracts taken out online but with paper contracts, this is what happens.

I have revive a letter today from Lowell solicitor saying that it is not governed under consumer credit act but it was a service I will post letter on here once I have blacked out my personal info

Revive??

The should read received predictive text strikes again

Who ever said it was?you didnt send a cca request did you?

I did send a cca and the reply form

ok well let it run.

if you look at the many mobile debt claimform threads

use the search cag box of the red toolbar

you'll see that they rarely succeed IF they do issue a claimform as the debt is normally contractual monthly sums to end of contract which is unfair and unlawful as per Ofcom statement we use in the defence

dx