Help with next step after Lowell responded to my CPR letter

[Moonmonkey]

Hi,

I'm so sorry but I'm not sure what I should do.
I followed advice from kind members of the forum to send a CPR31.14 after receiving a claim.
LOWELL responded saying they could not send me a copy of the agreement.
They did send copies of other documents.
I'm honestly not sure what to do next.
Do I file a defence? Should I just pay the monet they are claiming to avoid further costs?

Any advice or suggestion would be desperately appreciated at this point.

[Amethyst]

It sounds like you need to file a defence based on their non-compliance with the CCA request. Have a read of the example defence and ask anything you want, it can be amended to suit. Example Defence
Relevant CCA part is here http://www.legislation.gov.uk/ukpga/1974/39/section/78 ( para 1 and para 6 primarily interest you for the defence )

What documents DID they send you for the CPR request?
What was the claim for ( credit card? ) ?

[Moonmonkey]

It sounds like you need to file a defence based on their non-compliance with the CCA request. Have a read of the example defence and ask anything you want, it can be amended to suit. Example Defence
Relevant CCA part is here http://www.legislation.gov.uk/ukpga/1974/39/section/78 ( para 1 and para 6 primarily interest you for the defence )

What documents DID they send you for the CPR request?
What was the claim for ( credit card? ) ?

Thank you so much for your reply, sorry about taking so long to respond!!

Their letter said "Your debt relates to a former telecommunications matter which is not regulated by the Consumer Credit Act 1974" and "we are unable to request a copy of this document."

Instead, they sent the Notice of Assignment and Notice of Acting and Statements.

The claim was for a BT bill. I originally had an internet contract with BT but the internet never worked. I asked them to end the contract as I was not getting the service provided and they said I had to pay, which I refused. I believed I was in my right then, and I know there are regulations for companies providing the service they offer, but I don't know how I can use that as part of my defence since I have no evidence of anything ):

Should I still file a defence?

Thank you so much for your time, this whole thing is a nightmare.

[GBExile]

If you do not file a defence then you will lose.

[Moonmonkey]

If you do not file a defence then you will lose.

Okay, so do you advise to file a defence regardless of whether I have any sort of physical evidence or not?

[GBExile]

Okay, so do you advise to file a defence regardless of whether I have any sort of physical evidence or not?

You file the defence & include in your defence a statement that you have requested information/documents (name them) that you have not been supplied with

As AMETHYST has said already.