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Hello
I am looking for some advice on a letter I have received from Lowell. It's regarding a total debt of approx £600ish which Lowell are now offering to reduce by 75% so if I pay £150ish the debt will be cleared, according to their letter. What's confusing me somewhat is the reason for the offer. This debt is nowhere near to being SB (I think the account was taken out in either 2014 or 2015).
They have tried taking to me to court for this debt last year and I replied to the court asking for a copy of the credit agreement to be supplied to me from Lowell. The court struck out the claim as Lowell never replied in the timescale provided.
I can afford to pay the discounted rate in its entirety so I am wondering if I should just pay it and it will be gone. However, as I have ignored everything they've sent me (with the exception of the court stuff) I am worried that me paying will be seen as me acknowledging the debt and therefore try to take me back to court for the full amount. Advice?
I am looking for some advice on a letter I have received from Lowell. It's regarding a total debt of approx £600ish which Lowell are now offering to reduce by 75% so if I pay £150ish the debt will be cleared, according to their letter. What's confusing me somewhat is the reason for the offer. This debt is nowhere near to being SB (I think the account was taken out in either 2014 or 2015).
They have tried taking to me to court for this debt last year and I replied to the court asking for a copy of the credit agreement to be supplied to me from Lowell. The court struck out the claim as Lowell never replied in the timescale provided.
I can afford to pay the discounted rate in its entirety so I am wondering if I should just pay it and it will be gone. However, as I have ignored everything they've sent me (with the exception of the court stuff) I am worried that me paying will be seen as me acknowledging the debt and therefore try to take me back to court for the full amount. Advice?
