Hello
I am new to this forum. I have received a claim form (County Court Business centre) today from Lowell for an old T-mobile mobile phone account. The phone contract started in June 2012 and I remember a dispute I had with Tmobile as I couldn't receive an adequate signal to use the contract I was paying for, I paid for around 4 months and found the dispute with Tmobile too stressful as they wouldn't reply to me etc so I stopped paying them so that they would cut off the phone and I went with another provider (I know this was a really silly thing to do on my part but actually forgot about it until now). I have read the 'first steps' link and understand that I need to log in to moneyclaim.gov and acknowledge this claim letter. My confusion is mostly regarding the possible outcomes? I guess I made the mistake in the first place by stopping payment, although I believed my argument about poor signal etc was valid. I don't have any paperwork, letters etc to back up my original dispute and can't even remember exact details as it was so long ago. I didn't receive demands for payment until now.
I have a few questions:
1) I just wondered, do I have the option to contact Lowell to arrange a payment plan (I really don't understand the process) or will this go to court now for definite? 2) As I've received a claim form am I going to get a CCJ even if I pay Lowell straight away? 3) Do i have any defence at all? 4) Should I borrow the money (I really can't afford it) and pay Lowell in the next few days to avoid a CCJ? 5) They are claiming £590.38 (plus court fee £60, Legal rep costs £70). However the amount under the 'particular of claim' is £546.65?
'
Full details below:
Received a claim? Yes
Issue Date: 24 Jan 2018
Amount approx: £590.38 (court fee £60, Legal rep costs £70) TOTAL £720.38
Claimant: Lowell Portfolio Ltd
Solicitor: Lowell Solicitors Ltd
Original Creditor: EE Limited (formerly T-Mobile UK Ltd)
Particulars of Claim:
1) The defendant entered into an agreement with EE Limited (formerly T-Mobile UK Ltd) under account reference XXXXXXXXX ('the agreement').
2) The defendant failed to maintain the required payments and the service was termintated.
3)The agreement was later assigned to the claimant on 30/06/2014 and notice given to the defendant.
4) Despite repeated requests for payment, the sum of £546.65 remains due and outstanding.
And the climate claims
a)The said sum of £546.65
b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.120, but limited to one year being $43.73
c)Costs
Is the debt Statute Barred? Don't think so
List any letters you have sent: None
Any Other Info: Above
Any help would be so appreciated. Thank you in advance.
I am new to this forum. I have received a claim form (County Court Business centre) today from Lowell for an old T-mobile mobile phone account. The phone contract started in June 2012 and I remember a dispute I had with Tmobile as I couldn't receive an adequate signal to use the contract I was paying for, I paid for around 4 months and found the dispute with Tmobile too stressful as they wouldn't reply to me etc so I stopped paying them so that they would cut off the phone and I went with another provider (I know this was a really silly thing to do on my part but actually forgot about it until now). I have read the 'first steps' link and understand that I need to log in to moneyclaim.gov and acknowledge this claim letter. My confusion is mostly regarding the possible outcomes? I guess I made the mistake in the first place by stopping payment, although I believed my argument about poor signal etc was valid. I don't have any paperwork, letters etc to back up my original dispute and can't even remember exact details as it was so long ago. I didn't receive demands for payment until now.
I have a few questions:
1) I just wondered, do I have the option to contact Lowell to arrange a payment plan (I really don't understand the process) or will this go to court now for definite? 2) As I've received a claim form am I going to get a CCJ even if I pay Lowell straight away? 3) Do i have any defence at all? 4) Should I borrow the money (I really can't afford it) and pay Lowell in the next few days to avoid a CCJ? 5) They are claiming £590.38 (plus court fee £60, Legal rep costs £70). However the amount under the 'particular of claim' is £546.65?
'
Full details below:
Received a claim? Yes
Issue Date: 24 Jan 2018
Amount approx: £590.38 (court fee £60, Legal rep costs £70) TOTAL £720.38
Claimant: Lowell Portfolio Ltd
Solicitor: Lowell Solicitors Ltd
Original Creditor: EE Limited (formerly T-Mobile UK Ltd)
Particulars of Claim:
1) The defendant entered into an agreement with EE Limited (formerly T-Mobile UK Ltd) under account reference XXXXXXXXX ('the agreement').
2) The defendant failed to maintain the required payments and the service was termintated.
3)The agreement was later assigned to the claimant on 30/06/2014 and notice given to the defendant.
4) Despite repeated requests for payment, the sum of £546.65 remains due and outstanding.
And the climate claims
a)The said sum of £546.65
b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.120, but limited to one year being $43.73
c)Costs
Is the debt Statute Barred? Don't think so
List any letters you have sent: None
Any Other Info: Above
Any help would be so appreciated. Thank you in advance.
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