Lowells Solicitors - Letter of Claim

[MrMojo]

Hello all,

I would really appreciate some advice on this matter.

I have today received a 'Letter of Claim' from Lowell Solicitors.

Along with the Vanquis card I previously received help with I also had an Aqua card.

I contacted Aqua when we got into difficulties and was paying £10 a month by agreement although there were several occasions when expenses outweighed income and payments were missed. Eventually I missed several in succession and the debt was assigned to Lowell in 2016. The last payment was also in 2016.

I owe the money but our expenses are equal or greater than our income each month at the moment so paying the full amount is impossible and keeping to monthly payments would be very difficult however a family member has offered to 'lend' us a small amount to offer as a full and final settlement.

My question is do I admit to owing the debt using Box A and then make a reduced full and final 'Offer of Payment' using the Financial Statement form or use Box C and ask for the CCA. My concern is that if I go the CCA route and later offer a 'full and final payment' it may appear I was not being totally transparent and that the amount available could be increased which it can't.

Thanks for taking the time to read this and for any help or opinions offered.

[Setmefree3]

Have you considered this https://www.stepchange.org/how-we-he...ief-order.aspx

[MrMojo]

Have you considered this https://www.stepchange.org/how-we-he...ief-order.aspx

Thanks for your reply.

I have considered it but apart from this card, which isn't for a massive amount, the only debts we haven't managed to eventually pay or otherwise deal with are a couple of mobile phone bills that are in dispute over the final amounts and a £242 debt to Nationwide that is virtually entirely charges and I would prefer to try and clear things without going the DRO or insolvency route if at all possible.

[Setmefree3]

Ok, I’m sure someone will be along to help you look at different avenues. Good luck.

[Setmefree3]

jaguarsuk sorry to tag you in again. Please can you help.

[jaguarsuk]

Firstly I wouldn't go admitting anything, tick box D and in box I list:

Credit Agreement
Notice of Default
Notice of Assignment
Full History of Account

Secondly send a Subject Access Request Letter to New Day as the original creditor asking for the same to see what they have and what Lowell might be able to get a hold of if they try.

[MrMojo]

Ok, thank you. I'll try that.