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Hello,
My parents urgently gave me a couple of letters from an old address and 3 recent letters and a claim form dating from the 26th June 2018.
This is in regards to an old mobile phone contract from Orange dates from Dec 2011. I stupidly believed that I had paid off part of this contract in late 2012/ early 2013 since I was then recently unemployed however this old debt has caught up with me.
I have no papers regarding my original contract with Orange and only a few warning letter from Lowell including the claim form. The dept is: £482.95 including court and legal representative fees.
Issue Date: 26th july 2018
Amount approx: £397.95 amount claimed
Claimaint: Lowell portfolio I ltd
Solicitor: Cohen Cramer solicitors
Original Creditor: Orange
Particulars of Claim:
The claim is for the sum of £368.47 due by Defendant under Orange account with an account reference of XXXXXX
The defendant failed to maintain the contractual payments required under the terms of the account agreement.
The debt was legally assigned to the claimant on 27/Aug/2014 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 £29.48
The Claimant claims the sum of £397.95
Is the debt Statute Barred?- I do not know since I don't know when the debt started.
List any letters you have sent: none
Any Other Info: Since I have no information on the original contract I don't have much to add. Although the amount claimed may seem low I highly dispute that I owe even that much I remember contacting Orange via telephone in late 2012 in regards to my difficulty paying monthly bills in the coming months, they said I would have to pay the full amount of the remaining contract over time. I continued paying the monthly bills for a couple of months until I could not longer pay. My correspondence with Orange stops here and I receive no letters or phone calls from them. The letters from Lowell offer no insight into the dept other then the date of the contract with Orange (8th Dec 2011) and the amount claimed. I would be foolish to assume I owe no debt here but since the details are so thin and the amount seems inflated I am not sure how to proceed.
Due to my lack of knowledge of this account I'm not sure whether to acknowledge the claim yet or wait until I send a CCA and CPR to Lowell and the solicitors. Since the Claim form dates from the 26th June I should have a bit of time to get a clearer picture of what I owe but any advice would be greatly appreciated.
Thanks.
My parents urgently gave me a couple of letters from an old address and 3 recent letters and a claim form dating from the 26th June 2018.
This is in regards to an old mobile phone contract from Orange dates from Dec 2011. I stupidly believed that I had paid off part of this contract in late 2012/ early 2013 since I was then recently unemployed however this old debt has caught up with me.
I have no papers regarding my original contract with Orange and only a few warning letter from Lowell including the claim form. The dept is: £482.95 including court and legal representative fees.
Issue Date: 26th july 2018
Amount approx: £397.95 amount claimed
Claimaint: Lowell portfolio I ltd
Solicitor: Cohen Cramer solicitors
Original Creditor: Orange
Particulars of Claim:
The claim is for the sum of £368.47 due by Defendant under Orange account with an account reference of XXXXXX
The defendant failed to maintain the contractual payments required under the terms of the account agreement.
The debt was legally assigned to the claimant on 27/Aug/2014 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 £29.48
The Claimant claims the sum of £397.95
Is the debt Statute Barred?- I do not know since I don't know when the debt started.
List any letters you have sent: none
Any Other Info: Since I have no information on the original contract I don't have much to add. Although the amount claimed may seem low I highly dispute that I owe even that much I remember contacting Orange via telephone in late 2012 in regards to my difficulty paying monthly bills in the coming months, they said I would have to pay the full amount of the remaining contract over time. I continued paying the monthly bills for a couple of months until I could not longer pay. My correspondence with Orange stops here and I receive no letters or phone calls from them. The letters from Lowell offer no insight into the dept other then the date of the contract with Orange (8th Dec 2011) and the amount claimed. I would be foolish to assume I owe no debt here but since the details are so thin and the amount seems inflated I am not sure how to proceed.
Due to my lack of knowledge of this account I'm not sure whether to acknowledge the claim yet or wait until I send a CCA and CPR to Lowell and the solicitors. Since the Claim form dates from the 26th June I should have a bit of time to get a clearer picture of what I owe but any advice would be greatly appreciated.
Thanks.
