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  1. Received a letter today from Vanquis and also Lowells together stating my £1900 CC debt has been passed to them CCA Lowells and SAR Vanquis?
  2. Hi guys/gals its been awhile since I posted and needed any help so bare with me. Lowell have bought an old Vanquis debt, I have had loads of letters and ignored them, I haven't had any contact with them on the phone either so I've not acknowledged any thing. On Saturday received court papers, I have registered with money claim AOS as I want to defend. I was told about a 3 letter process to send to Lowells solicitor but don't know what the letters are. Any help greatly appreciated, thanks.
  3. Hi I received County court claim back on Friday 4th January despite it states issue date 31 December 2018 it did not arrive in post until then but no matter what I assume date on paper work stands. I then received 15th January a warning from Lowell that they had sent it to court and I should receive something soon their letter was dated 7th January so that came very late. Okay I will get to the facts really hoping for your urgent help and assistance in this as I have suffered with sickness this month and also at same time struggled as had to keep work balance. I don’t want to use any excuses other then It was easier for me to hide this away and just wish for better things. But I did submit my AOS and full defence within the 2 weeks on Sunday 13th January and was received and noted by court on Monday 14th January. I did receive the proper letter regarding Lowell would submit to court and I had the 30 days before end of November 2018 so they followed rules for that. To try put facts about my debt down short basically was a credit card I took out with Capital One back in 2011. To be fair I am not 100% sure when my last payment was and if its statue barred. It was at a lower limit then years later was setup to £1000 limit. I fell into a dispute regarding some £12 charges etc and also had contact through phone and emails I then stopped payments and kept going up. I did not get proper response on my emails etc I was even trying to settle a solution. My fault for ignoring further letters with request for payments and debt was sold to solicitor Lowells in 2014. To cut to the chase I need to submit my defence tonight as I understand and I have not got CCA and CPR (31.14) letters sent off despite I have made them ready. Can I still get these sent off tomorrow morning with Royal mail 1st class recorded delivery and then attach £1 postal order for each? Also because of my dispute with Capital One I really wish to claim back all charges and the 8% interest etc but how do I deal with this now? Can I sent letter to them or does that has to go to Lowell? Hope for your assistance guys I would be so grateful. I have attached Claim Form and also I have done a draft Defence for me to submit tonight hope it looks okay? here is my defence draft Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. I have had an agreement in the past with Capital One but any alleged balance is and remains in dispute for charges/services. 3. Paragraph 2 is denied I am unaware of any legal assignment or Notice of Assignment allegedly served over 1 year ago. 4. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of agreement/assignment/balance/breach requested by CPR 31. 14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement with the Claimant; and (b) show how the Defendant has reached the amount claimed for; and © show how the Claimant has the legal right, either under statute or equity to issue a claim; 5.As per Civil Procedure icon Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 6. On the alternative, if the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit icon Act 1974. 7. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief. Signed I am the Defendant - I believe that the facts stated in this form are true xxxxxxxxxx 27/01/2019 Defendant's date of birth x/x/19xx Address to which notices about this claim can be sent to you xxxxxxxxxxxx
  4. started a new thread as advised. my wife started to get letters about debts from lowells. all have had cca requests sent on 4th july this year, but they have all been acknowledged and all the accounts are on hold except capital one. the paperwork they have sent suggests the debt isnt as old as we thought. i have attached all the letters in pdf format. capitalone.pdf
  5. Good morning all Have been an avid reader of CAG for some time. I currently have an alleged debt with shop direct which is being dealt with by Lowells. The debt is for £2k+ I have read the guides and templates available and sent a CCA request to Lowell's in November. I finally received 2 signed documents. You can see on one document the key financial info is set at £36. The other document Is signed and the account number is the same as the first document. Note that the dates are different so the documents were not signed together. Any help or pointers would be greatly appreciated. Many Thanks
  6. Hello, I have had an ongoing problem with Lowell for the past few years for 3 three mobile debts. Now yes I had contracts for these but I left due to lack of service and the fact that the phones were practically useless as none of the 3 could ever get signal in the house. The debts are for the cancellation fees that Three applied to the account. I have written to Lowells asking them to prove it, only to be sent the statement form three of the charges that were applied, now it is my understanding that mobile phone contracts are not under the CCA and therefore I don't have many options other than to pay them? I tested the water with the one for £188 and offered to pay £100, but Lowell declined and instead offered 20% discount and a partially settled mark on my credit file, which is pretty much-ruined thanks to this nightmare. I am looking for some advice on what to do now as this is causing me a lot of upset and stress, and I'm not really sure where to turn. Thank you in advance
  7. Hi all, Looking for some additional advice as I appreciate that this is a topic well covered on the CAG forums. I have had a look on the CAG forums at similar cases to get an idea of how to proceed with a claim that Lowells are making towards my girlfriend - I'll state at this point this is on behalf of my girlfriend as she isn't any good at this sort of thing. Please see below particulars of the case they are bringing. I hope everything is covered.. Name of the Claimant : Lowell Portfolio I LTD Date of issue – 19 Jul 2018 What is the claim for – the reason they have issued the claim? 1) The defendant entered into an agreement with O2 (UK) Ltd under account reference xxxxxxxxxx ('the agreement'). 2) the defendant failed to maintain the required payments and the service was terminated. 3) the Agreement was later assigned to the Claimant on 30/04/2013 and notice given to the defendant. 4) Despite repeated requests for payment the sum of £796.54 remains due and outstanding. And the Claiment claims a) The said sum of £796.54 b) Interest pursuant to s69 county courts Act 1984 at the rate of 8% per annum from the date of assignment to th date of issue, accruing at a daily rate of £0.175, but limited to one year, being £63.72 c) Costs What is the value of the claim? £990.26 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Mobile account When did you enter into the original agreement before or after 2007? I'm guessing after that date! The original account (according to her credit file) was opened 25/09/2007 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? I believe the account was assigned to Lowells as they stated this was 30/4/2013. Were you aware the account had been assigned – did you receive a Notice of Assignment? Not to the best of our knowledge but we've only been together 6 years, and 4 years in our current property. It's possible something was sent to an old address. Did you receive a Default Notice from the original creditor? No idea. In all honesty a lot of these because of the age and the fact she's no longer an O2 customer go in the bin. There's also the fact we've moved three times, finally settling 4 years ago. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Again not sure, as above... Reading some other CAG threads would this not be applicable as mobile phone contracts are not covered by the CCA? Why did you cease payments? No idea. She had this account before I knew her, and I believe it may have possibly had something to do with her state of mind at the time. She split from her ex who she was with for 15 years and got a bit depressed. Working as a carer on basic minimum wage and living alone for a time, so probably got swept away. What was the date of your last payment? No idea on this. Have contacted O2 with a kind of altered SAR directly by E-mail requesting details they hold on her 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 planicon? No I'm going to fill out the AOS on-line on her behalf (praying that this doesn't get as far as court as neither of us will be up to that) However I would appreciate some advice on whether this would possibly be statute barred? I understand why they are bringing the claim now as it's just under a year before the 6 year period runs out. But surely the 6 year period runs from the last date a payment was made? Am I right to go down this route of defence? And am I right to hit O2 with a SAR. (I'm expecting them to have little information though on her as the account was opened 6 years ago, although assigned to Lowells just under 6 years ago) At this stage should I specify that I'm contesting the entire claim or just part of it? She had an account and it's likely the contractual term hadn't ended but it's hard to know exactly at this stage what terms she was under as the account was opened 5+ years before it was assigned to Lowells. Given all the uncertainty I'm leaning towards contesting part of the claim? Would that be the best course of action? and then hit them with a CPR 31.14? Many thanks in advance,
  8. I also obtained this from them regarding a JD Williams account. It does not makes sense. Debt written off. No copy of contract, can't remove default as information was correct at the time but they can't send or have copies of nothing..? letter below including the reply from Exuifax, which tells me that the dca can't leave a default if it buys the debt? so something really wrong here.
  9. Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell
  10. Claimant - Lowell Portfolio 1 Ltd Date of issue – 23 January 2018 What is the claim for – 1) The Defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference XXXXXXXXXXXXXXXX ('the Agreement'). 2) The Defendant failed to maintain the required payments and arrears began to accrue. 3) The Agreement was later assigned to the Claimant on 31/03/2014 and notice given to the Defendant. 4) Despite repeated requests for payment the sum of £742 remains due and outstanding. And the Claimant claims a) The said sum of £742 b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.163, but limited to one year, being £59 c) Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? Unsure What is the value of the claim? £931 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? 2009 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? Unsure Did you receive a Default Notice from the original creditor? Unsure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unsure Why did you cease payments? Unemployment What was the date of your last payment? Unsure Was there a dispute with the original creditor that remains unresolved? Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Unsure ---------- Hi First of all, thank you to everyone who helps on here, you're amazing! I've been issued a Claim Form from the County Court Business Centre regarding a 2009 Vanquis credit card debt which is now with Lowells. I used MCOnline to register and Acknowledgement of Service 10 February 2018 and have a PDF showing this date (I think I just made it in time!) I ticked 'defend all of this claim' and 'I intend to contest jurisdiction' (advice from another thread before landing here). That same thread said to send a CPR18 Request for further information, which I am doing now from their template as well as a separate CCA Request letter. Looking for advice on whether this is the right course of action. Thank you all so much.
  11. I received a Letter of Claim from Lowells today and now my heart is racing and a sense of panic is setting in. Particulars of debt: On 22/6/2009 you entered into an agreement for Lloyds account. You failed to make payment in accordance with the terms of the agreement and it was later terminated and subsequently assigned to our client by Lloyds Bank PLC on the 24/11/2015. Notice of the assignment has been previously been given to you and you may request a copy of the agreement on the enclosed reply form you are required to make payment of the of the sum outstanding £11931 within the next 30 days. Please advise as i certainly do not have that type of monies available.. Silly silly me for stopping my repayments
  12. Hi long time reader, first time poster. I requested a CCA from Lowells in October of last year relating to a Llyods/TSB credit card debt. The card in question was taken out in April 2004 and fell into default in late 2012. 4 months later they have sent me what appears to be a copy pasted set of terms and conditions and a copy of the last years worth payments to the account. The terms and conditions have an error in the address I was living at when the card was taken out, they've used the postcode for an address I was living at 10 years later, otherwise it's correct. There's also no date for when the agreement was taken out, nor is there a signature (I'm unsure if this is required or not). Would I be right in thinking that a reconstituted CCA is only valid for debts after a certain date? I would be grateful if someone could take a look at the attached PDF to see if what I received meets the requirements of a CCA request and if not, what do I do next? 2017-03-07_12-43.pdf
  13. Hello people, Its been a long time since I've had to do this so I'm looking for guidance. My Partner has received a County Court Summons dated 22 March2018 for a Lloyds credit card. The card was taken out in 2000 and the last payment made was in 2014 - according to the particulars the agreement was assigned to Lowells in March2015. I am presuming there will have been letters from them but my partner WILL have ignored them, which is why I am guessing they have gone down this route - hoping this will be ignored and then gain judgement by default. The total claim is £2126.77 Obviously this is now time sensitive so I need to get moving with it - How do I reply to the summons and then how do I deal with Lowells? Sorry its so sporadic but I do a lot of travelling with my job so sometimes its difficult to get things achieved. Any advice, as always , gratefully received. regards OOT
  14. Hi I have received a county court claim form from Lowells for an old catalogue debt of £186 and I dont know the first thing to do , can anyone help me please? I cant even remember having the catalogue they say its from December 2011
  15. Hello Caggers! Back in January I went to court against Lowells for a debt that didnt exist and won. I've just looked at my credit file for another reason and am astounded to see that Lowells are still registering defaults on this account - the most recent being updated last week. The Judge decided there was no case to answer and that the account had been closed satisfactorily in 2013 with a zero balance. Looking at the credit report, it clearly shows the account is considered active and Lowells have updated the default every month since August 2014 until last week. Is there anything I can make them pay for this? This account was found by the Judge to have never been in debt at any time (other than during the normal operation of the account). I never went near my credit limit and always paid in full, every month without fail. The account was paid off in August 2013 and closed the next day. He also found there was no legal basis for any collection activities to take place, including adding defaults. I did get a default notice last year, around the same time I got the N1 from the CCBC, but none at all this year. I really want to make Lowells pay for this. The judge dismissed all their claims and categorically stated I owed no money to any person or entity with regards to this account. They are ignoring this. There should be NO defaults registered against this account at all. What can I do? Ian
  16. Hi, It’s currently 4:30am and haven’t been able to sleep tonight worrying about this situation I find myself in so apologies in advance for bad spelling/not making sense. I opened a littlewoods account around 2/3 years ago now when I’d lost everything and was immature and stupid I ended up maxing out the account to a total of £600...100s of letters/phone calls of being ignored I’ve finally been hit with a county court claim. Came on the 4th but had the date of 1/06/18 on it. I briefly read through it and started to panic on how real this could be getting. I haven’t filled anything in I was just going to ignore it and just let things plan out as I did do with quickquid years ago which just gave up but reading more into the forums here and the words county court are starting to seem more serious. I have no job and has been like that for 6 months now, No money at all and living with my mum. We’re set to move in a few months so If I just ignored what will happen? I’ve not once been in contact with them like most have on here it’s just been a straight case of me ignoring it whilst giving myself a slap everytime a letter came through the door asking myself why was I so stupid back then. if someone could help with advice I would really appreciate it, Also my credit rating is so bad and I really don’t expect to be looking for any credit related items in the next 5-8 years so would an CCJ really affect me? Lowell’s now ask for a sum of £860 odd in total Thanks and sorry for any ignorance in this message
  17. Morning everyone Received letter from Shop Direct on 28th March to say they sold my Very account to them. Shop Direct is still showing on my credit file. Could anyone advise who I should SAR? Thanks so much
  18. Hi I CCA'd Lowell as they held a Default against me for Morses Club for £329 which I do not recall owing back in 2009, which was defaulted in 2015. Lowell have come back to me sending me a printed statement, which to be honest, I could just type up on a few sheets of paper! The letter states "we note that you state that we have failed to comply with your request for information under sections 77-79 of the Consumer Credit Act 1974 and as such you feel that this account is unenforceable. The duty to supply documentation under Section 77-79 of the Act does not apply to an account under which no sum is, or will, or may become payable by the debtor. Therefore it would not apply where the balance has been written off, as is the case with this account". "In accordance with Schedule 2, paragraph 2(a) of the Act that deals with the exceptions to any request under Section 10, Lowell is not prepared to cease processing your data in respect of the debt claimed from Morses on the basis this is required for the performance of the said contract to which you are a party. At the point of application of this account with Morses a Fair Processing Notice was agreed to by you to share/pass personal data. Consequently, when Lowell purchased the rights to and benefits of the account, this included the Fair Processing Notice and the requisite permission". Section 136 of the Law of Property Act 1925 requires Lowell to give you notice of the assignment of the debt to them from Morses. Our records show that our letter of assignment sent to you on the 23rd June 2015 following the purchase of the debt from Morses which satisfies the relevant provision of the Law of Property Act 1925". "We are not prepared to remove any default registered with the credit reference agencies in respect of this account as we consider the data remains correct and accurate". It goes on but it's the same standard blah blah blah. Any help would be really appreciated in response to their letter, thanks
  19. 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...
  20. a quick question.. ...I can't find a link for the 'account in dispute' letter. ....I've a debt going back to 2010 with JD williams that Lowells bought last year it's mainly made up of late payment £12 fees and over credit limit £12 fees.. ...Lowells solicitos have now sent me a 'letter of claim' to commence court proceedings... ...I sent a CCA request back in september last year, but received a generic set of T&C's and a copy of a credit agreement that has my details filled in, but not my handwriting and no sig ....I feel it best to put the account in dispute for the time being to give me some breathing space but can't find the template. ...can anyone help?.....thanks
  21. Hi everyone, I was away a few weeks ago when I came back there was a claim form from Lowells. It is about a Capital One debt that is not statute barred. I quickly sent the 'acknowledgement of service' but now I am running out of time to do anything. The deadline for submitting the defence is next week. Someone has advised me to ring Lowells and try to arrange a payment plan, but that I would still probably end up with a CCJ. Other have said I should defend, but I don't know on what basis. I did request a copy of the credit agreement from Capital One a few years ago and they sent a reconstituted credit agreement, which I still have. What would you do in my position? Thanks for any advice at all.
  22. 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
  23. Hi, Im currently in the process of challenging lowell solictors for a shop direct catalogue debt they allege i have to which we are at the mediation stage. Today i return home to find a letter from lowells saying im behind on my county court payments for another shop direct account which i have no idea what it is for, this is the first correspondence ive had on this from them. I've checked my credit file and i do indeed have a CCJ on my file for the balance they say i owe. Where do i stand on this? They obviously had my address as Im challenging the other account in question , why have ive not received anything yet its gone through the courts and they have gone in their favour? Can i still challenge the debt even though its gone through the court? I am fuming, If anyone could point me in the right direction I would very much appreciate it Have a great weekend Thanks Andy
  24. Just got in a Court Summons today from Lowells. What it actually says is Claim Form in the County Court Business Centre, Northampton. I live over 100 miles away from there so doubtful if I could appear in person. The debt in question is a Provident loan dating back to around 2008 or 2009. At that time we were having severe financial difficulties, my then husband's job was commission based and making ends meet were hard. He has since died and left us penniless, save for two very small pensions. My adult son has been in and out of hospital like a yo-yo as he has been a renal patient since the age of 15, spent 7 years on dialysis, got transplanted which lasted 6 years and has been back on dialysis for coming up for 2 years again This year I have lost count the number of procedures he's had and the numerous spells in hospital. To cap it all, I lost my job a month ago through no fault of my own (that's in the hands of the Union solicitor). During the difficult time, our regular agent stopped working for Provident and we got a different agent. I had a small amount of arrears on the account which I cleared. I asked the new agent if it was possible for her to come on a different day. She agreed - then never came back. To this day I have never seen anyone from Provident again. They started sending threatening letters, then it was passed first to one DCA, then another and another and finally Lowells. All went quiet with them for a while then they started up again. I have also been getting strange phonecalls both on my mobile phone and the house phone (the house phone is ex-directory and I know who has my house number). I have had no contact whatsoever with any of these DCAs. I have not answered one of their letters which vary in degrees of threats and "if you pay half the amount..." blah-blah. So, now they have decided to take me to Court. I have 28 days to respond. What's the best way of dealing with this? Also, today I have received a letter from Ruthbridge chasing me for a credit card debt (Barclaycard) going back to well before 2004. It would seem that Cabot have passed that one on to them. I did have PPI on that but it was refused on the spurious grounds of my being in temporary employment at the time. They knew this but were quite happy to sell me the PPI but unwilling to honour it. My attitude to that was, you've rescinded on the PPI so you can sing for your money. It was a small debt - only £450. My credit rating can't be that bad as I now have two credit cards. The limit on one was just recently increased although I am very, very careful with them. It never rains but it pours and why do these ghastly companies ALWAYS do things like this just before Christmas. We are going to have yet another lousy Christmas this year as I'm not working at the moment (very few jobs where I live). It's like they know you're down and have to have a good kicking at you
  25. Last year Lowells lodged a county court claim against my wife for money she clearly did not owe. We defended the claim in the county court and Lowell's claim was dismissed in December 2016. In February 2017, to my astonishment (although I'm not sure why - its Lowells after all) they started chasing the same money all over again through the usual letters. The most recent one was today, where they very generously offered us a 60% discount on the debt the county court says we don't owe them. Surely there must be some course of action we can take ? Any and all suggestions welcomed. Cheers, Dave
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