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Lowells Stayed claim


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Hi, I am hoping for a little advice

 

Lowells issued a claim against me for the sum of £5200 I confirmed the claim and sent defence in I also requested copies from them of default notice, statements of accounts, credit agreement (post 2007) and also that they legally owned the debt. I received nothing and the claim was stayed. A few days ago I received a statement of accounts and credit agreement and although the covering letter says the default notice is enclosed is was not there, the covering letter basically threatens me to contact them or they will apply for a default judgement to be made against me.

 

After going through the statement I see that out of the total amount owed there is over 3k in interest charges and over 200 in ordinary charges. also there are numerous entries on the statement for accidental death plan for £5.95, in the adjustments part there is also things added such as $400 for TRANS EX TERMS :?:

 

They urge me to contact them and the questions I have is should I and try and negotiate because of the interest charges and other charges and also things like death benefit charges, I mean how many do you need? Should I do this before they potentially lift the stay, Can I argue about these interest charges at all? Or should I write to them and offer them payment to stop any action but acknowledge that I only owe part of the debt?.

 

I cant upload any docs as I dont have the means to but the credit agreement was on 4/12/2007 unsigned but on statement of accounts it says account opened 25/11/2008

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Hi Frank and welcome to CAG

 

Its your choice whether to contact the claimant and enter into dialogue pre allocation but we normally advocate your defence does the talking until such time they inform the court they wish to proceed....as you state you have already requested disclosure to which they have complied.Does the agreement look enforceable?

 

Perhaps provide a little background to the claim and then we have the whole picture and history.Take a read of the following link and copy and past the qs and your responses back here.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

Regards

 

Andy

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Link in post 2 please

And scan up your agreement to a pdf

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Use you phone camera?

Read the upload

As for the link in post 2

We need that done soonest to be able to help you

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I shall fill all this in tomorrow thanks for the help, just out of curiosity can I challenge the interest charges?

 

We cant really say...until we have all the details and defence / particulars of claim

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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