Lowell/Lowell sols claimform - old Very Shop Direct 'debt'

[Roddaz77]

I need some help

 

I have recieved a claim form off Lowell solicitors through Lowell portfolio for a Very (shop direct) debt of £1,684

 

I just need to know what options I have for this.

 

They have been sending out letters to an old address which I no longer reside

but have somehow got my parents address where the claim form has been sent to.

 

I haven't admitted anything yet to them but wanted to know my options from them

and they have told me that it's now £2,040 and needs to be paid off in the next 14 days.

 

They then informed me they could extend this to 21 days but to Avoid a ccj I need to pay it in whole.

 

They bought the account off very on the 12.12.14

 

Please can someone advise me.

I haven't got the money to pay this outright but I'm also in no position to get a ccj that will last 6 years

 

Help please

[AndyOrch]

Thread moved to Financial Legal Issues.

 

Hi Roddaz and Welcome to CAG

 

If you would read the following link and then copy and paste your responses back here to enable the best advice on how to proceed with your claim.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-December-2014**

 

Regards

 

Andy

[Roddaz77]

Thank you I will do so when I get laptop access tonite/tomorrow

[theoldrouge]

in the meantime could you confirm the date of issue of the claim please

[havinastella]

And last payment/date account was opened!

[Roddaz77]

25th March issued the claim

 

Last payment was approx 2 yrs ago

 

Account opened approx 2013

[Roddaz77]

Just been on noddle and got this info

 

Account opening date: 17/08/2012

Opening balance £1,248

Date of default 10/12/14

 

Upon getting the claim form for the county court it's now £2,000

 

I'm trying to pay this by borrowing money off my parents however I need help still as £800 in fees and charges?

 

Can I get this back to the original debt??

If I get the extra days by asking for time at the courts then accepting it it says I can offer Lowell a figure to pay in full how does this work as I don't want a ccj but don't want to pay £2,000

[Roddaz77]

Claimant: Lowells

date of claim :25th March

What is the claim for –

 

1.The Defendant entered into a consumer credit act 1974 regulated agreement with shop direct

under account reference ****** ('the agreement')

The defendant failed to maintain the required payments

and a default notice was served and not complied with

 

2.The agreement was later assigned to the claimant on 12/12/204 and notice given to the defendant

Despite repeated requests for payment the sum of £1,688.00 remains due and outstanding

 

3.and the claimant claims

The aid sum of £1,688.00

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 accuring at a daily rate of £0.370 but limited to 1 year being £135.04

 

What is the value of the claim? 2008.04

 

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? CAT account

 

When did you enter into the original agreement before or after 2007? 17/08/2012

 

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

 

Were you aware the account had been assigned – did you receive a Notice of Assignment? no

 

Did you receive a Default Notice from the original creditor? No

 

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Had nothing

 

Why did you cease payments? Cant remember exactly but possible around middle of 2013

 

What was the date of your last payment? Again would guess at 2013 middle of

 

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? No

[AndyOrch]

Great ...now you need to send a CCA /CPR request as advised in the above link.

 

Andy

[dx100uk]

ACK [AOS} the claim on MCOL website

defend all

leave juris unticked

 

 

CCA request to lowells

CPR 31:14 to Lowell solicitors

 

 

read all the post in the two click link threads FIRST

do NOT sign anything

[dx100uk]

I hope you filed a defence on this in time and its now stayed?