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Lowell / overdales solicitors letter

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  • Lowell / overdales solicitors letter

    Hello all,

    finding the info on this site very informative but would like some advice before I action anything
    Tags: None

  • #2
    Accidentally pressed post reply ^

    I have received a letter from overdales solicitors regarding an old next account I had stating that I have 30 days from the date of the letter to either make a one off payment, agree a payment plan or respond to this letter

    for the record I have never spoken with Lowell or any solicitors about this debt


    Received a claim? Yes/No: not from Northampton county court but an overdales type reply form (Box A - I owe the debt, box B - I owe some of, but not all… , box C - I don’t know if I owe the debt, box D - I dispute the debt)

    Issue Date: letter dated 30th nov 2022
    Have you Acknowledged the Claim?: no response made or calls to overdales/Lowell since receiving
    Total Amount Claimed : £1000 before fees if a court claim is initiated
    Claimant’s Name: Lowell
    Solicitors Firm: overdales solicitors
    Original Creditor: next directory
    Original Debt (eg. Credit card/Loan/Overdraft) : catalogue
    Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
    Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): last payment made in oct 2019 -nothing since - had a conversation with next before they sold it to Lowell but since had no contact at all about it
    List any letters you have sent (eg: CCA/ CPR ): none yet, will be doing this as soon as someone can advise what I need to send (templates would be very useful)
    Any Other Information or Background Details:

    Would be really appreciative to have some support on what is best to do to manage this before it goes to court. I need to avoid a CCJ at all costs so if my only option is to pay, please advise that

    thanks in advance!


    Comment


    • #3
      Entered agreement with next retail ltd - 04/2015
      assigned to client - 06/2021

      Comment

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      SHORTCUTS


      First Steps
      Check dates
      Income/Expenditure
      Acknowledge Claim
      CCA Request
      CPR 31.14 Request
      Subject Access Request Letter
      Example Defence
      Set Aside Application
      Directions Questionnaire



      If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.





      NOTE: If you receive a court claim note these dates in your calendar ...
      Acknowledge Claim - within 14 days from Service

      Defend Claim - within 28 days from Service (IF you acknowledged in time)

      If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.




      We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
      If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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