Hi all can I say I really appreciate any replies and advice I get in advance so recently I received a letter from Lowell solicitors stating that I owe them £1008 for a credit account i allegedly had and that they have an CCJ that they obtained in 2015 which is correct as I checked my credit profile and can see it I didn’t realise I had a CCJ I contacted Lowell and disputed the debt that was for a mail order account I had in 2012 which I don’t remember ever having I did admit to having mail order accounts that did default in 2007/08 but for small amounts around £150-£250 and wondered if it was for one of those Lowell state it isn’t after sever emails back and fourth I was told the debt was passed around between agencies and had interest and charges placed on it I asked several times for a signed CCA to prove the debt was mine after 5 weeks they provided me with a digital unsigned CCA I was just wondering where I’d stand at setting this aside sorry for the long post
Set aside help
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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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Court Claim ?
Guides and LettersSHORTCUTS
Pre-Action Letters
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Witness Statements
Directions Questionnaire
Statute Barred Letter
Voluntary Termination: Letter Templates
A guide to voluntary termination: Your rights
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