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Thread: Court Claim - Lowell Portfolio 1 LTD / Shop Direct Group - 10-8-2017

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  1. #26
    warwick65's Avatar

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    Default Re: Court Claim - Lowell Portfolio 1 LTD / Shop Direct Group - 10-8-2017

    Hi
    It is entirely up to you

    You can use mediation to make some sort of settlement offer that would not end with a cci and may be affordable to you.

    Just because they haven't sent anything now doesn't mean they won't send anything later

    Did you add SB to your defence?

    have they sent anything at all in the way of paperwork- even an acknowledgment ?

    Have you had any reply back from your SAR other than asking for ID?

    You could use mediation to tell them you know nothing of the debt and they should therefore discontinue
    Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
    I have no formal legal training
    Any advice is offered without liability
    If in doubt take professional legal advice or contact the CAB

  2. #27
    MIKE770's Avatar

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    Default Re: Court Claim - Lowell Portfolio 1 LTD / Shop Direct Group - 10-8-2017

    mediation will ask you if you have the necessary documents to mediate - your answer in not is NO = they will inform you that due to this no mediation can take place and send case back to court system for their next stage but read the post above

  3. #28
    warwick65's Avatar

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    Default Re: Court Claim - Lowell Portfolio 1 LTD / Shop Direct Group - 10-8-2017

    Quote Originally Posted by MIKE770 View Post
    mediation will ask you if you have the necessary documents to mediate - your answer in not is NO = they will inform you that due to this no mediation can take place and send case back to court system for their next stage but read the post above
    I must disagree.

    This is your opportunity to tell them that this is not your debt (if you are sure it is not) and ask them to discontinue. You may even want to tell them there is a history of fraud on your name

    Nothing you say can be used in court

    My worry for you would be that this is your debt and it took them some time to default it- you say it is on your credit file . Did you only know this because of the claim or have you known this for some time. If I were Lowell I would want to know why you had not raised the fraud issue before

    @Diana M


    Any advice or opinions I offer are based on my experience dealing with personal debt as well as other life events.
    I have no formal legal training
    Any advice is offered without liability
    If in doubt take professional legal advice or contact the CAB

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