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Advice on Lowell & o2 Debt

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  • Advice on Lowell & o2 Debt

    Hello, I am looking for some help with an ongoing dispute with Lowell. I have an outstanding debt of 724.32 in regards to an o2 account from 29/03/2010. Lowell have been chasing and harassing me relentlessly for last 2 months and they've now said they have passed it onto "Lowell legal department" and if the balance isn't cleared within 6 months then they will apply for a CCJ. How true is this and is there anyway that I can stop this going ahead?

    Many Thanks,

    Elliott
    Tags: None

  • #2
    Do you have a dispute on the original O2 account debt ?

    Do you know when the account defaulted or terminated ? Is the 29/3/10 date when the account was originally opened ?

    They can't 'apply for a CCJ' they can issue a county court claim which you can defend if you have cause to.

    Are Lowell trying to pressure you into making instalment payments on the debt ( 724 over 6 months = 120 a month ) that are unaffordable ?

    Originally posted by FCA rules
    CONC 7.3.10
    R
    01/04/2014A firm must not pressurise a customer:
    1. (1) to pay a debt in one single or very few repayments or in unreasonably large amounts, when to do so would have an adverse impact on the customer's financial circumstances;
      [Note: paragraph 7.18 of ILG]
    Common Sense .... if in doubt, use it !

    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

    Comment


    • #3
      Do you have a dispute on the original O2 account debt ?

      Do you know when the account defaulted or terminated ? Is the 29/3/10 date when the account was originally opened ?

      They can't 'apply for a CCJ' they can issue a county court claim which you can defend if you have cause to.

      Are Lowell trying to pressure you into making instalment payments on the debt ( 724 over 6 months = 120 a month ) that are unaffordable ?

      Originally posted by FCA rules
      CONC 7.3.10

      A firm must not pressurise a customer:
      1. (1) to pay a debt in one single or very few repayments or in unreasonably large amounts, when to do so would have an adverse impact on the customer's financial circumstances;
        [Note: paragraph 7.18 of ILG]
      Common Sense .... if in doubt, use it !

      “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

      If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

      Find Solicitors offering fixed fees on our sister site - JustBeagle.com

      Comment

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