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CCA Received from Lowell - Whats next?

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  • CCA Received from Lowell - Whats next?

    Hi

    Bank in Dec 2018, I had asked Lowell for the CCA and now I have received the CCA from them. They have sent me all the documents that I requested.

    They have given me 30 days to contact them or else they will continue with Pre-Action Process and later a claim.

    Please advice me, what can I do next in my defence. I am not in a position to pay off the debt.

    Many thanks in advance.
    Tags: None

  • #2
    Please can you let me know when you applied for loan of credit card and who the original creditor was.

    You could also send an breakdown of you income and outgoing to show what you can afford.

    You might want want to look at setting a side the ccj which cost 255 and might give you some extra time to find the funds .



    Comment


    • #3
      Hi Matt1201,
      the original lender was Vanquis.

      I might call Lowell Solicitors and see what are the options.

      thanks

      Comment


      • #4
        say after me I do NOT CALL LOWELL unless told to on here, repeat repeat repeat

        Comment


        • #5
          I agree with MIKE770

          Always negotiate from a position of strength.
          To do so, you need to know the full facts, not trust to a debt collector/purchaser who will only be concerned with their own interests.
          CAVEAT LECTOR

          This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

          You and I do not see things as they are. We see things as we are.
          Cohen, Herb


          There is danger when a man throws his tongue into high gear before he
          gets his brain a-going.
          Phelps, C. C.


          "They couldn't hit an elephant at this distance!"
          The last words of John Sedgwick

          Comment


          • #6
            Originally posted by PankajP View Post
            Hi

            Bank in Dec 2018, I had asked Lowell for the CCA and now I have received the CCA from them. They have sent me all the documents that I requested.

            They have given me 30 days to contact them or else they will continue with Pre-Action Process and later a claim.

            Please advice me, what can I do next in my defence. I am not in a position to pay off the debt.

            Many thanks in advance.
            Its worth posting a redacted version of the documents they sent so that people can give an opinion on whether they are compliant or not.
            I work for Wannops LLP . I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.

            If you need to contact me please email me on Ptilley@wannops.com . My firms initial advice is always free.

            I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

            You can also follow my blog on consumer credit here.

            Comment

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