• Welcome to the LegalBeagles Consumer and Legal Forum. Please register to get the most out of the forum. Registration is free and only needs a username and email address.
  • LegalBeagles® is a free forum, founded in May 2007, providing legal guidance and support to consumers and SME's across a range of legal areas.

    Please do not post your full name, reference numbers or any identifiable details on the forum.

Letter of Claim Recieved, help please!

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Letter of Claim Recieved, help please!

    Hi, I hope someone can be of assistance,

    I received a Letter of Claim along with a Reply Form in the post on 10/04/2019 from 'Lowell Solicitors'. I am unsure as to the certainty of the balance as the 'agreement' was entered 15/04/15, during that time I lost my job and fell on hard times, (any accounts of any kind held at the time would have been frozen), having £0 income and 0 benefits (due to no entitlement), up until 08/18 when employed until 12/18 again, leaving me in the same situation as before.
    Looking at Creditscore shows, Lowell closed the account on 15/07/18, but when checking Noddle today, it shows the account reopened by Lowell on 06/04/2019.

    Received a claim? Yes/No: No - (Letter of Claim - 30 Days)
    Issue Date: Letter dated 04/04/2019
    Have you Acknowledged the Claim?: No
    Total Amount Claimed : £390
    Claimant’s Name: Lowell Portfolio LTD
    Solicitors Firm: Lowell Solicitors
    Original Creditor: Vanquis
    Original Debt: Credit card
    Particulars of Claim:

    "On 15/04/2015 you entered into an agreement for a Vanquis Account. You failed to make payment in accordance with the terms of the 'agreement' and it was later terminated and was subsequently assigned to our Client by Vanquis Bank on 08/12/2017 and notice has been previously given to you, and you may request a copy of the agreement on the enclosed reply form.
    Our Client previously contacted you to agree an affordable payment plan and you failed to set up or maintain payments as required."

    The said Cureent Balance sum of £390~
    Threatened with County Court Claim if not paid within 30 days, increasing sum to £500~

    Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):Unsure, but the account was closed 15/07/18.
    List any letters you have sent (eg: CCA/ CPR ):None yet.
    Any Other Information or Background Details: See top.

    Any help would be appreciated, as I'm not completely sure how to go about this matter.

    Regards
    Last edited by AUserName; 17th April 2019, 16:33:PM. Reason: Edited for clarity due to mis-understanding.
    Tags: None

View our Terms and Conditions

LegalBeagles Group uses cookies to enhance your browsing experience and to create a secure and effective website. By using this website, you are consenting to such use.To find out more and learn how to manage cookies please read our Cookie and Privacy Policy.

If you would like to opt in, or out, of receiving news and marketing from LegalBeagles Group Ltd you can amend your settings at any time here.


If you would like to cancel your registration please Contact Us. We will delete your user details on request, however, any previously posted user content will remain on the site with your username removed and 'Guest' inserted.

Announcement

Collapse
1 of 2 < >

SHORTCUTS

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



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.
2 of 2 < >

Need Formal Help?




Search and Compare fixed fee legal services and find a solicitor near you.

Find a Law Firm


See more
See less

Court Claim ?

Guides and Letters



Search and Compare fixed fee legal services and find a solicitor near you.

Find a Law Firm


Loading...
Working...
X