Great but it says on the letter and I quote Of course there is no such “evidence” I could provide, but what would happen if I just ignore now and they go for a ccj

Looking at it from that view yes I agree. Now I know I’m asking over and over and taking up your time but I do really appreciate all the help I have received from you, what would you suggest my next move is?

Yes cap1 was online signup. Studio - it says this is my copy but no boxes ticked or signed on this copy. Once again this was also online sign up

Thank you I’ll look read it and get right on this. letter of claim reply 2023.pdf

Good evening dx100uk I followed all instructions and got that sent to them. Today i received an A4 envelope, full with all the documents I requested. Do you have any advice on my next step/steps. Thanks in advance

No I understand Once again thanks you very much for the much needed advice.

Thanks yes now I understand. No I am at the same address the debt is registered.

Sorry I don’t understand? In big red letters in top left hand of first page it says “you have 30 days to avoid a County court claim”. and page 2, “ If you fail to make payment or respond to this letter as set out in the enclosed documents within 30 days of the date of this letter, we will issue a County Court Claim” Once again I’m sorry for not understanding. As for the debts Capital one, entered agreement on 09/04/2019 terminated and assigned to Lowell on 16/12/2021. I have not spoken to or responded to Lowell about this debt at this point. Studio Retail, entered agreement on 21/09/2020 terminated and assigned to Lowell on 30/05/2022. I have not spoken to or responded to Lowell about this debt at this point. Many thanks for responding

For some reason it won’t let me upload a photo of the letter but, it is from their client Lowell Portfolio I Ltd for the payment of £1163.80 rising to estimate of £1414.42 with court fees etc. I have 30 days to avoid a county court claim. Capital one credit card £278.79 Studio retail ltd £885.01

Hi all I have recently received a Letter Of Claim. Can somebody please advise me on what to do next, any help is much appreciated. thanks in advance.

Thank you very much for the advice it’s much appreciated

Ah great so, by the sounds of it I can just ignore from now on? I know it’s not the moral thing to do but I’m not really in much a better situation than I was. Any advice for if they do contact in future

Hi thanks for the quick reply it was with NatWest and no I changed banks i think in January 2017 as everytime I needed money out I had to go in branch. I’ve not heard a single thing from them except the apology letter.

Hi all, I got a loan in 2015 for the sum of around £10,000 a year later I lost my job and everything started to fall apart. I was already struggling with depression etc and this just made it worse. I obviously couldn’t keep up with the repayments and in November 2016 was the first payment I missed from here a default was registered on 31 January 2017 to be honest I went on and eventually forgot about this as I never heard anything from them. Then around 2 years ago I received a letter issuing an apology as they are meant to send something out every so often which they didn’t do. I can’t remember what this was. fast forward to now, the debt has gone from my credit file and I’ve still not heard anything from the bank. Is this now statute barred or can this bite me back. thanks for any help or advice in advance