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Lowells Claimform - 3 cat debts.


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Hi All, I'm hoping to get some advice for my partner.


On the 5th August 2019 she received a Claim Form for the County Court.

 Its from Lowell Solicitors Ltd and is for 3 outstanding debts.

Shop Direct for £5669.77

Grattan PLC for £508.92

Grattan PLC for £302.24

Interest on the debts of £447.19 and £100 Legal representatives costs.


The form came with options if my partner wants to contest the debts, admit all debts, admit partial, pay in full, ask for time to pay.

My partner is unemployed, she is actually in the process of trying to claim pip due to her having severe osteoarthritis, degenerative discs damage, and psoriatic arthritis.

She is unable to work and her illness has slowly been getting worse. 


I'm unable to help my partner with her debts because I have been on long term esa.

I suffer from Borderline Personality Disorder which causes me to have depression, anxiety, self harming, suicidal thoughts and attempts to name just a few parts of my mental illness.


We have worked out my partners money which is only Child benefit and child tax credit and once important bills like rent, council tax, tv licence, car tax is deducted and shopping etc she is lucky to be left with £10-15 a month.


On the forms she has the option to offer a payment, she was thinking of offering £1-2 per month.


 Should she do this?

 The debt is her's and she doesn't dispute that but we have never CCA any of the companies or anything.

To be honest we have just buried our heads in the sands.


Been a very tough few years with me losing both my parents and illness in general. We have just ignored the constant phone calls and ignored the letters, which I know is our fault but life sometimes just sucks you down.


 She doesn't know what she should do. 

 Any advice would be appreciated.


 I have my own debt problems and I'm currently in the process of CCA the relevant DMA such as Lowell and Lucas Credit.

But I'm not asking about my issues, I will seek help from you guys as and when.


 My Partner just wants advice as what to put in these forms.


Thank you in advance



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please complete this:



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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