Lowell pre legal assessment letter

[DRE]

Hi, I have received multiple letters from Lowell regarding a pre legal assessment, for a credit card debt of just over £7k that defaulted in 2015. I have read that Lowell are known to take court action, help what should I do?

[Amethyst]

Is this a letter of claim you have received ? ( if so there should be a reply form )

If not I'd wait until you do then post back as you'll need to reply asking for documents /info and at the same time send a CCA request https://legalbeagles.info/library/gu...etter-example/

If it's not a letter of claim then I wouldn't do anything just yet in case the are just fishing to find if they have the right address/person. I'd expect it to progress in coming months though as they will likely take court action before any limitation period ends.

You could send a sar https://legalbeagles.info/library/gu...ccess-request/
to the orignal lender to get some info ahead of the game xx

[DRE]

Hi, thanks for your quick response, no there is no reply form, the letter states if they take court action, court fees and solicitor fees will be added. It will reach the 6 year limit in 6 months time, so I don't know whether to ignore it and hope they don't proceed to court, if they do proceed to court what is the likelihood that it will have to be repayed? I will do noting as you said until I receive a letter of claim. Thank you.

[DRE]

Hi I have now received a notice of acting from Lowell solicitors, say there are instructed to initiate legal proceedings unless I pay over £7k and have listed estimated interest, court fees and Solictor fees to a total of over £1k. What should I do, the last payment made was on 11th March 2014 so the 6 year limitation period is 7 weeks away!! I don’t know what to do?*