Hi I need some help from you experts out there. A few months ago i received a letter from Lowell saying i had an outstanding debt in excess of £600 on a mobile contract. I sent them a letter asking for proof of debt after several months i have received a statement of account which runs from Oct 2010 to may 2014. The final balance on the account shows £400 not £600 with the last payment in Jan 2014. I do not believe i actually owe this money i changed my phone in the EE shop in late October 2013 as i was working abroad at the time and they got me a deal where i got inclusive minutes and it looks like they did not do the upgrade properly. I still have my contact with EE and it is upto date. What can i do to contest this ? All help gratefully received

Hi All, I have been contacted by a company called Cohen Cramer regarding an alledged debt for a mobile phone bill with Orange back from 2013. I do not recall having a mobile phone from that period, although I did have a mobile internet dongle thing which I believe was on a one month rolling contract. I really wanted to know what I should send them in order to find out more information. I am aware that mobile phone contracts are not covered by the CCA, so is there a template for a letter I can send, and also what documentation will they legally need to be in possession of in order to win if they decide to take this to the county court. Appreciate your help in advance! Thanks!

Hi all, I just received a County Court Business Centre Claim Form from the above mentioned companies and any help as to my course of action would be grateful... Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – 20th April 2017 What is the claim for – 1.The claim is for the sum of £2093 (rounded off) due by the defendent under an agreement regulated by the Consumer Credit Act 1974 for a Provident Personal Credit Limited account with an account reference number of xxxxxxxx. 2.The defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. 3,The debt was legally assigned to the claimant on 29/Aug/2014, notice of which was given to the defendant. The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of these proceedings in the sum of £167 (rounded off) The claimant claims the sum of £2260 What is the value of the claim? £2445 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Personal Loan When did you enter into the original agreement before or after 2007? After 2007 - One 22/8/08, One 23/8/09 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. Lowell Portfolio Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? Not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not that i'm aware of Why did you cease payments? Entered into a DMP with the CCCS (as it was then) and thought they'd paid the debt What was the date of your last payment? Roughly 2011 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? As stated - entered into a DMP which finished in 2012 Looking on my Noddle credit file, there are 2 Lowell accounts on there (neither corresponds with the account number stated in the claim), one for £1850 and the other for £250 - it appears they have 'lumped' them together - Can they do this? If I recall rightly, the larger amount is for a loan which included paying off the first loan which is still showing as £250 If i'm correct, my first step is to send a CCA request to Lowells and a CPR 31.14 request to Cohen Cramer which will be done in the morning.... I presume I need to acknowledge the claim prior to doing this via moneyclaim online? And then what are my next actions? I'm going to try and locate my old CCCS documentation which is on an old mothballed desktop computer in our attic! Any help would be gratefully received Swisstoni

around 11 months ago Lowell started sending letters claiming money owed to them for a debt they bought from shop direct. the amount they claimed was ridiculously high when i received a letter i simply just binned it. on the 26th April 2016 i received a letter from Cohen Cramer saying that because i have ignored all previous letters from Lowell and Lucas Credit Services (client agent) if i did not contact them within 14 days they would issue a claim in the County Court. I decided to write to both Lowell and Cohen Cramer. I sent Lowell a CCA request I wrote to Cohen Cramer explaining that i had requested the info from Lowell as to ascertain where this debt and the amount claimed had come from. I asked Cohen Cramer to hold court action until i got the info. After i sent both letter dated 3rd May 2016 i received a reply from Cohen Cramer dated 10th May 2016, stating that they had received my letter and that their client has given them a minimum period of 45 days from the date to send the documents which i presume they was referring to my CCA request. I then received a letter yesterday, dated 16th July 2016, attached to the letter was a double sided photocopy of a letter of assignment, but no credit agreement (not even the standard 1 page photocopy with no signature). This was not what i asked for from my CCA request to Lowell. They have now stated that if no reasonable proposal is forthcoming within 14 days then legal proceedings will be instituted. Just wondering if anyone could help and give some advice as i am unsure of what to do next. I was wanting to contact Cohen Cramer again but i am not sure what to put in my letter. any help would be greatly received, thank you for your time Letters From Cohen.pdf

Today i got a letter for my son he no longer lives at our address and has not for some time. He has had a lot of mental health issues and is diagnosed Autism, learning disabilities and also depression. At present he resides in a care home with his only income DLA and ESA. out of that money he has to make part payment each week towards his stay in the home. He has to pay £100 per week towards his care which he pays out of the money he receives. he called around today to get his post and in there were a couple of letters one from the court and one from cohen cramer... the court letter stated that he had not replied to the form and therefore it was judged that he owed just under £500 and should pay £50 per month starting the 14th November. .. the other letter from cohen cramer said the payments should be made to lucas credit services. all his post is delivered to our address and we give it him whenever he calls up. he is adamant he never received the claim form and as far as we know nothing ever came in the post. the fact is the court made a decision but unfortunately due to is financial situation and the fact he didn't receive the form is there anything we can do to sort this out. there is no way after paying out everything he owes he can afford the sum asked for per month and also as he does not live here what can we do regarding the order. any help would be greatly appreciated thank you for looking

Hi My father received a claim form dated 7th Dec 2015 a couple of days ago I would appreciate any help or advice on how best to deal with this. My father has mental health issues so needs my assistance to respond to the claim form. I wrote to Lowell a couple of weeks ago (in my father's name) in response to a letter from them asking what the debt relates to etc but have not received a reply. The details of the claim form are - Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 7 Dec 2015 Date submit defence ) - by 4pm 8th jan What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £1330 due by the Defendant under an agreement regulated by the consumer credit Act 1974 for a Vanquis account with a reference of xxxxxxxxxxxxxx The defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. 2.The debt was legally assigned to the claimant on , notice of which has been given to the defendant. (NOTE: No date was entered here) 3.The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per anum from the date of assignment to the date of issue of these proceedings in the sum of £106 The Claimant claims the sum of £1436 What is the value of the claim? £1586 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? Not sure but would think after 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. Assigned to Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure - my father has no paperwork but may have ignored/been confused by/binned. Did you receive a Default Notice from the original creditor? Not known Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Not known Why did you cease payments? If he did stop payments then probably because he got ill and lost his job What was the date of your last payment? Not known, but nothing in last 3 years Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No Any advice greatly appreciated, thanks

OK, all new to this so bear with me. Had a credit card with Vanqis. I eventually got fed up of their charges and after several arguments finally disputed everything with them. When they wouldn't play fair, I finally stopped paying them. Disputed account then sold on to Lowell. I have now received a claim form, initiated by Cohen Cramer on behalf of Lowell. Before I fill in the details from the sticky, there is one other complication. The card was taken out in Scotland. But I am now in England. I assume that English law now applies? Or should it be Scottish? I have no problem attending court in Edinburgh if necessary. Obviously I'll be defending. Morally, I would have had no problem paying off the card if Vanqis had been fair. Since I was left with non payment as a last resort, I don't have a problem now with trying to wriggle out of this if a lawful means is available to me. As far as I'm concerned, they've trashed my credit file for long enough. I'm damned sure I'm not going to lose any sleep over trying to fight their trashing it for a further 6 years. So what I guess I'm trying to say is, anyone trying to tell me, I ran up a debt so I should pay will simply get ignored. Now to the claim stuff... Name of the Claimant ? Lowell Portfolio 1 Ltd Date of issue – 7 Dec 2015 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) - 9 Jan 2016 ( I think that's right if I understand the above) - yes but thats a w/end so file by 4pm Friday the 8th - dx What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £2766 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a Vanquis account with a reference of xxxxxxxxxxxxxx 2.The defendant failed to maintain contractual payments required by the agreement and a Default notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on , notice of which has been given to the defendant. (NOTE: No date was entered here) The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per anum from the date of assignment to the date of issue of these proceedings in the sum of £221. The Claimant claims the sum of £2987 What is the value of the claim? £2987 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit Card When did you enter into the original agreement before or after 2007? After (I think) 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. Assigned to Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? Not as far as I remember. I THINK the first I knew was an email from a debt collection agency. I'll have to check to see if I still have emails. Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Vanquis trashing my credit file due to disputed default charges, so I decided to force them into defaulting me to stop the 6 year clock. What was the date of your last payment? About 3 years ago. Was there a dispute with the original creditor that remains unresolved? Yes. Unlawful charges. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No Just going to see what I have to do now to start the ball rolling.