Notice of pending legal action

[Savwarny]

Hello.

Sorry if this in in the wrong section. I am new here.

I have attached a letter I have received and would be grateful of some advice.

Please note that I am pretty sure I would of only made one payment on this if any at all as it was a difficult period for me.

The period of statement is the period from when lowell would have purchased the debt. And that is the said default date on my credit file.

I have never acknolodged this debt.

Any advise on what steps to take next would be great.


Regards

[warwick65]

Re: Notice of pending legal action

Hi
Along with that letter were there forms to complete and return? If not there should have been.

Just to check, are you in England and Wales or maybe Scotland- it might be important

[Savwarny]

Re: Notice of pending legal action

Hi
Along with that letter were there forms to complete and return? If not there should have been.

Just to check, are you in England and Wales or maybe Scotland- it might be important

Hello. Thanks for the reply.

I am in England. I received a reply form and a debt advise form.

Reply form is attached.

Regards

[warwick65]

Re: Notice of pending legal action

Hi
Right
Sorry I am not on my home PC so dont have easy access to all my bits n pieces

You have some time to answer this letter but
I would send a separate CCA request to Lowell Portfolio 1 - this is entirely separate to anything you do with this

Somewhere , I think it is in the 'received a court claim' section are some options for how to respond to this

Found it http://legalbeagles.info/forums/show...tion-Protocols

I would tick box D - I dispute the debt - you can always change this later

In box I I would ask for these
-A copy of the written contract for the debt
- A full statement of account, including details of all interest and charges included on the outstanding balance of the debt, explaining how they have been calculated, and any payments already made toward the debt
-A calculation of the interest claimed
- The annual or daily rate of interest
- A description of the nature and amount of any administrative charges included in the debt
- A copy of the notice of assignment of the debt
- A copy of the Deed of assignment

You could ask for a copy of the default notice but asking does give them more time to come up with one.


One more question

have you been getting notices of sums in arrears on a regular basis - not quite sure how it works but they are important . I woulkd not be asking for them at the moment though if you have not been receiving them

Of course, if you really feel you want to settle this then you can follow the I admit the debt and fill out the I and E and make an offer but my personal view is, why roll over when they should prove they have a right to make a claim against you.
After all, if I wrote to you saying I bought your account with company x off them and you now owe me the money- would you just pay up? If the answer is yes can i have your name and address please

[Savwarny]

Re: Notice of pending legal action

Thank You.
I will do that and report back how it goes.
Many thanks