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Hi,
If possible I need a little bit of advice with situation bellow.
Didn't even knew until today that forum like this actually exists. Probably I would spend less time reading and do less mistakes going through sections of justice.gov etc. just to try to understand my options and possibly manage it myself.
Received a claim? - YES by post 09/04/2025
Issue Date: 27/03/2025
Have you Acknowledged the Claim?: Yes - AoS done by MCOL 11/04/2025
Total Amount Claimed : approx. £900
Claimant’s Name: Lowell Portfolio I Ltd
Solicitors Firm: Overdales Solicitors
Original Creditor: O2 UK Ltd
Original Debt: as per claim approx. £700 - Sim only contract
Particulars of Claim:
The claim is for the sum of £**** due by the Defendant under a O2 (UK) Ltd account with an account reference of ********
The Defendant failed to maintain contractual payments required under the terms of the account agreement.
The debt was legally assigned to the claimant on 30-01-24, notice of which has been given to the defendant.
The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £****
The Claimant claims the sum of £****
List any letters you have sent:
- SARs to O2, Lowell and Overdales
- CPR 31.14 Overdales
Any Other Information or Background Details:
Long story short:
case is for O2 Sim only contract what I was believing that time it was properly terminated within 14 days. I wasn't even asking for proof of termination or so.
Contract start date was 09/07/2023 and after few days I've called to cancel that.
I've paid one bill send to me by O2 basically in less than a month and once again I wasn't questioning that total its a bit higher knowing that possible charges was applied.
Until basically now my only defence point was that I was calling O2 to cancel my contract by phone within my 14 days rights. Not much I know
Possible, that to my defence I would add information that I cant fully defend myself without documents or answer from Claimant site as
But latterly now - when I'm writing this I'm also trying to 'cross check' all the information, dates, quotes etc.
Just to be sure and mainly because numbers provided by Claimant doesn't make any sense for me I've got what I think my another main defence point is the actual differences:
Even 8% I'm pretty sure should be calculated for 422 not 421 days.
Also I'm not sure how or what to do when I'm requesting service by E-mail. I've prepared some basic template but once again some websites/law blogs/google search says to add Solicitor name when other don't actually mention - agree or disagree.
Also I have no idea if this is in some case relevant - around the time just before the O2 mess I had some cases assigned to Lowell - and paid in one transaction - few small debts one lump sum.
I wasn't disputing anything only because they was truly my debts and mistakes but I believe that some kind of 'decision making' system or so made them stat this process.
I can upload documents of what I have If needed - and I'm so sorry for my writing mess above.
If possible I need a little bit of advice with situation bellow.
Didn't even knew until today that forum like this actually exists. Probably I would spend less time reading and do less mistakes going through sections of justice.gov etc. just to try to understand my options and possibly manage it myself.
Received a claim? - YES by post 09/04/2025
Issue Date: 27/03/2025
Have you Acknowledged the Claim?: Yes - AoS done by MCOL 11/04/2025
Total Amount Claimed : approx. £900
Claimant’s Name: Lowell Portfolio I Ltd
Solicitors Firm: Overdales Solicitors
Original Creditor: O2 UK Ltd
Original Debt: as per claim approx. £700 - Sim only contract
Particulars of Claim:
The claim is for the sum of £**** due by the Defendant under a O2 (UK) Ltd account with an account reference of ********
The Defendant failed to maintain contractual payments required under the terms of the account agreement.
The debt was legally assigned to the claimant on 30-01-24, notice of which has been given to the defendant.
The claim includes statutory interest under S.69 of the County Courts Act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings in the sum of £****
The Claimant claims the sum of £****
List any letters you have sent:
- SARs to O2, Lowell and Overdales
- CPR 31.14 Overdales
Any Other Information or Background Details:
Long story short:
case is for O2 Sim only contract what I was believing that time it was properly terminated within 14 days. I wasn't even asking for proof of termination or so.
Contract start date was 09/07/2023 and after few days I've called to cancel that.
I've paid one bill send to me by O2 basically in less than a month and once again I wasn't questioning that total its a bit higher knowing that possible charges was applied.
Until basically now my only defence point was that I was calling O2 to cancel my contract by phone within my 14 days rights. Not much I know
Possible, that to my defence I would add information that I cant fully defend myself without documents or answer from Claimant site as
But latterly now - when I'm writing this I'm also trying to 'cross check' all the information, dates, quotes etc.
Just to be sure and mainly because numbers provided by Claimant doesn't make any sense for me I've got what I think my another main defence point is the actual differences:
- I've agreed to O2 Sim Only Plus Plan 150GB £*** Lowell website state: O2 SIMO Ultdmins data 24M £**** Handset: Sim Only
Even 8% I'm pretty sure should be calculated for 422 not 421 days.
Also I'm not sure how or what to do when I'm requesting service by E-mail. I've prepared some basic template but once again some websites/law blogs/google search says to add Solicitor name when other don't actually mention - agree or disagree.
Also I have no idea if this is in some case relevant - around the time just before the O2 mess I had some cases assigned to Lowell - and paid in one transaction - few small debts one lump sum.
I wasn't disputing anything only because they was truly my debts and mistakes but I believe that some kind of 'decision making' system or so made them stat this process.
I can upload documents of what I have If needed - and I'm so sorry for my writing mess above.
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