I received a letter of pre-action from Lowell's solicitors, Cohen Cramer back in Oct last year concerning an alleged catalogue debt. I requested all the information required as part of my defense. I finally hear from them nearly 100 days later. They sent me a CA with all T's & C's...interest rates etc, however not signed and no X in the box. Also a list of transactions, and a letter (Copy) informing me that the debt was assigned to Lowell...bla bla bla.
I am a realist, and understand that options are limited. Would I be better writing to their solicitor (Cohen Cramer) with a Full and final settlement offer? I don't have a lot of money, and I am already paying them back on a CCJ from years ago, which is going to take several years to clear at £20 a month.
The Debt is just over £2k, and wonder if it would be accepted, and what course to take if they reject it....also, what amount should I offer......thank you in advance.
I am a realist, and understand that options are limited. Would I be better writing to their solicitor (Cohen Cramer) with a Full and final settlement offer? I don't have a lot of money, and I am already paying them back on a CCJ from years ago, which is going to take several years to clear at £20 a month.
The Debt is just over £2k, and wonder if it would be accepted, and what course to take if they reject it....also, what amount should I offer......thank you in advance.
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