LOWELL County Court letter help

[MrFeud]

I can't afford a lump sum as I'm already in debt with 3 credit cards and two guarantor loans and payday loans I'm trying to pay them all back.

If I can avoid fees with thwithout would be helpful i also want to not have the ccj on my file is there a way around this I could afford £50 a month just to get rid of it but again I'm really suffering.

[MrFeud]

Also since it is stayed will they have the stay lifted?

[MIKE770]

They would have to pay to unstay. It is up to them now. Tactics they try to enfreighten you into submission for their illgotton gains. Sit tight and see ewhat if ever they get unstaye Read threads get to know tactics and how they can fail at the last moment before loosing their fees at court in the hope.you panic

[MrFeud]

Okay thanks I've been looking and it's really scary I don't want to end up in my local court over this I will just wait it out and if they win a ccj I guess I will have to deal with it thanks mike

[MIKE770]

If ever it got near a court in the future if things liked bad if we think that not.you there is a Tomlin Order* system could be liked at but not noe

[MIKE770]

Last resort an if we think they have a case??? If they had a case

[MrFeud]

So would you advise me to ignore all communication from them and only respond to the court? I have no idea what to do next I think they will pay to lift if they have all documents

[MIKE770]

No but inform you s if anything artives

[MIKE770]

Inform us should read

[Leaf]

Yes - you could reply to their email. They may insist you do a income/expenditure form - mainly because they have a duty these days to ensure any repayment plans are genuinely affordable to you.

[MrFeud]

Okay thanks for your help I will update if I hear anything more

[MIKE770]

Celestine

[MIKE770]

lowells are trying it on two accounts in one of different nature await further responses?

[MrFeud]

Yes Mike that's correct

[Celestine]

The inclusion of two accounts in one claim form is not that unusual, saw it several times even in my old bankruptcy cases and always from Lowell.
Makes it slightly trickier to do a decent defence but not that hard, you just take each account in turn to set out defendable points. It is irritating that telecoms have different CCA rules and often have very few defendable points.
From what MrFeud has said so far about Lowells compliance, it looks like they've sent over everything required? Not that we've been able to examine them but in principle they've complied. All cases are stayed currently, so it is correct that Lowell will need to apply to lift the stay to restart the claim....which will cost them money....which they will pass on to you if you decide to settle later on down the line. Worth considering all the angles.