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Hi everyone,
I hope you can help me with this.
I have received a court claim form from the above and will need to respond.
The debt has now accumulated interest and with costs is £3838.39
I had some notification some months ago which said they had checked my credit file and felt I could pay this (well if I could have I would have)
Then a further letter dated 11.11.13 asking for £2721.79
There are a few things that I would like to know if possible.
When the account was taken out it was in the name of Mrs D S xxxxx
The account is years and years old and was taken out over the phone from memory.
I disputed this with the company when they started harassing me as my initials are B S, since Lowell have got hold of it they have changed the name on the account to my first Christian name only.
When I asked Lowell for sight of the original credit agreement they didn't provide it and it seemed to die a death but it has reared its head now.
Whilst I appreciate I owe the catalogue company (now Lowell) money surely they should be chasing me under the name on the agreement and not my name.
Sorry if this all seems a bit vague but any tips here will help. Obviously getting a CCJ isn't ideal at any time, but if there is no other way to defend it (other than paying it) then I will submit an income and expenditure and return the forms to the Court.
Thanks in advance for any help.
JW
I hope you can help me with this.
I have received a court claim form from the above and will need to respond.
The debt has now accumulated interest and with costs is £3838.39
I had some notification some months ago which said they had checked my credit file and felt I could pay this (well if I could have I would have)
Then a further letter dated 11.11.13 asking for £2721.79
There are a few things that I would like to know if possible.
When the account was taken out it was in the name of Mrs D S xxxxx
The account is years and years old and was taken out over the phone from memory.
I disputed this with the company when they started harassing me as my initials are B S, since Lowell have got hold of it they have changed the name on the account to my first Christian name only.
When I asked Lowell for sight of the original credit agreement they didn't provide it and it seemed to die a death but it has reared its head now.
Whilst I appreciate I owe the catalogue company (now Lowell) money surely they should be chasing me under the name on the agreement and not my name.
Sorry if this all seems a bit vague but any tips here will help. Obviously getting a CCJ isn't ideal at any time, but if there is no other way to defend it (other than paying it) then I will submit an income and expenditure and return the forms to the Court.
Thanks in advance for any help.
JW
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