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Help with next step after Lowell responded to my CPR letter

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  • Help with next step after Lowell responded to my CPR letter

    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.
    Tags: None

  • #2
    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? ) ?
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    Comment


    • #3
      Originally posted by Amethyst View Post
      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.

      Comment


      • #4
        If you do not file a defence then you will lose.

        Comment


        • #5
          Originally posted by GBExile View Post
          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?

          Comment


          • #6
            Originally posted by Moonmonkey View Post

            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.

            Comment

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