Hi everyone. I'm reposting this in this thread, because my first two attempts were in the wrong threads and I can't move the post here myself. I first posted on 24 Feb and I've only had one (very helpful) response so far.
If any admins read this and can consolidate all posts into this thread that would be amazing!
I've received a county court claim form from Lowells. I've put the details below.
Received a claim? Yes
Issue Date: 18 February 2020
Have you Acknowledged the Claim?: No
Total Amount Claimed : £7,300
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: Lowell Solicitors
Original Creditor: Halifax
Original Debt: Credit card
Particulars of Claim:
1. The defendant entered into an agreement for a Halifax (credit card) account under reference xxxxxxxxx ('the Agreement')
2. The defendant failed to maintain the required payments and the service was terminated
3. The Agreement was later assigned to the claimaint on 17/06/2015 by Bank of Scotland PLC and notice given to the Defendant
4. Despite repeated requests for payment, the sum of £6,300 remains due and outstanding.
And the claimaint claims
a) the said sum of £6,300
b) costs
Is the debt Statute Barred: No
List any letters you have sent: CCA sent 24/2
Any Other Information or Background Details:
I'd like to avoid a CCJ but I have no funds to pay the full amount. If I could reach a settlement for a percentage of the amount, I imagine that would be the best outcome, but I am fearful of making the wrong response.
I've had some advice to defend the claim and also to seek a summary judgement because I would apparently have a strong case (although nothing is guaranteed). But I am fearful of costs spiralling and ending up having to pay even more than the £7,300 demanded.
I've also had advice from National Debtline to admit the claim, offer to pay in instalments and also offer a full and final settlement. The verbal settlement offer I made to Lowells on the phone was rejected out of hand. They said they were seeking the full amount and offered me six months to pay, which is not possible for me.
If anyone has any experience or guidance to offer I'd be very grateful. I feel somewhat out of my depth and the clock is ticking!
If any admins read this and can consolidate all posts into this thread that would be amazing!
I've received a county court claim form from Lowells. I've put the details below.
Received a claim? Yes
Issue Date: 18 February 2020
Have you Acknowledged the Claim?: No
Total Amount Claimed : £7,300
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: Lowell Solicitors
Original Creditor: Halifax
Original Debt: Credit card
Particulars of Claim:
1. The defendant entered into an agreement for a Halifax (credit card) account under reference xxxxxxxxx ('the Agreement')
2. The defendant failed to maintain the required payments and the service was terminated
3. The Agreement was later assigned to the claimaint on 17/06/2015 by Bank of Scotland PLC and notice given to the Defendant
4. Despite repeated requests for payment, the sum of £6,300 remains due and outstanding.
And the claimaint claims
a) the said sum of £6,300
b) costs
Is the debt Statute Barred: No
List any letters you have sent: CCA sent 24/2
Any Other Information or Background Details:
I'd like to avoid a CCJ but I have no funds to pay the full amount. If I could reach a settlement for a percentage of the amount, I imagine that would be the best outcome, but I am fearful of making the wrong response.
I've had some advice to defend the claim and also to seek a summary judgement because I would apparently have a strong case (although nothing is guaranteed). But I am fearful of costs spiralling and ending up having to pay even more than the £7,300 demanded.
I've also had advice from National Debtline to admit the claim, offer to pay in instalments and also offer a full and final settlement. The verbal settlement offer I made to Lowells on the phone was rejected out of hand. They said they were seeking the full amount and offered me six months to pay, which is not possible for me.
If anyone has any experience or guidance to offer I'd be very grateful. I feel somewhat out of my depth and the clock is ticking!
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