Just had a call from mobile number 07900742258, which turned out to be Lowells. Cheeky f***ers. Most bizarrely, even though I received court papers recently advising me that Lowells are pursuing me through court and threat of a CCJ etc, the woman on the phone today from Lowells told me they had an address for me that I haven't lived at for 7 years, and that was why I hadn't received any of their letters. can anyone kindly enlighten me WTF is going on??

i know! whats that all about then??

Bizarrely I've just had a call from lowells, and it transpires that they've been writing to me at an address I haven't lived at since 2006. does this help my case at all?

I should also add that I suffer severe mental illness, am registered disabled as a result, and am generally unable to deal with my own paperwork. Which is why i didnt deal with this earlier. I'm under the care of the CMHT and have a CPN and support worker who help me with it but on this occasion they thought I'd do better getting advice on here.

Will do - ill pop to the library and print them off and send next day delivery.

Thank yooouuuuu! There's a link on here somewhere that lets you send letters online that they print and send magically somehow. Can I use that? If so do you know how to find it? I found it yesterday at the library but can't remember how.

Thank you so much for replying! I'm totally confused. Usually I'm clued up on stuff like this but the legal stuff has me baffled. right. I went online before 14 days and said I'd received the court papers, and said defend all, if that's what you mean? If I send those letters off you mention, and the companies have x amount of time to respond, and that deadline is after the court date, does that mean I'm stuffed?

Oh blinking heck. I've got 9 days left. What do I doooooo????

Please can some kind soul explain in simple terms what I need to do next? Many, many thanks.

In order for us to help you we require the following information:-* Name of the Claimant: LOWELL PORTFOLIO I LTD RE: LOWELL FINANCIAL LTD Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to.* 14 APRIL 2014 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) What is the claim for – THE CLAIM IS FOR £1354 THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND/OR SERVICES AND/OR GOODS. THIS DEBT WAS ASSIGNED TO/PURCHASED BY LOWELL PORTFOLIO I LTD ON 28/06/2013 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925. PARTICULARS: RE. K & CO, ............ AND THE CLAIMANT CLAIMS £1354. THE CLAIMANT ALSO CLAIMS INTEREST PURSUANT TO S69 COUNTY COURT ACT 1984 FROM 28/06/2013 TO DATE AT 8% PER ANNUM AMOUNTING TO 85.15. What is the value of the claim? Has the claimant included section 69*interest(8%)within the total claim or is it shown separate within the Particulars but not added to the debt?* Is the claim for a current or credit/loan account or mobile phone account?*NO. IT'S A HISTORICAL DEBT. When did you enter into the original agreement before or after 2007? BEFORE. Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.* DEBT PURCHASER Were you aware the account had been assigned – did you receive a Notice of Assignment?* NOT SURE. Did you receive a Default Notice from the original creditor?* I THINK SO. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?* NOT SURE - I DIDN'T OPEN THE LETTERS. Why did you cease payments:-* WAS SKINT. Was there a dispute with the original creditor that remains unresolved?* YES. Did you communicate any financial problems to the original creditor and make any attempt to enter into adebt management*plan?* YES.

Hi, I've just received a Northampton Court Claim Form for a debt owed to Lowells/Bryan Carter. This debt is about 7 years old - in fact I'm not sure who the original credit agreement was with. I set up nominal payment agreements with all my creditors about 5-6 years ago, which I am still paying (£1 a month). However lowells arent on the list, and they bought the debt off another DCA on 28.06.13. I assumed that if they bought the debt, then they also bought the payment arrangement by default. I have consistently thrown away all DCA correspondence unopened, assuming my payment arrangements were in place and sufficient to avoid court proceedings. Putting aside the questionable wisdom and maturity of my behaviour in dealing with this, does anyone have any advice on how to proceed I can't pay the amount owed and I'm hoping I can somehow contest this on a technicality, and not admit to the debt. Or to argue that I'm still sticking to the original payment arrangement, and it's not my fault if they're not receiving it. I've looked at the threads on here with the legalese and templates and stuff, but I can't make head nor tail of it all! If anyone has any idiot proof advice for dummies I'd be hugely grateful.