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Hi LBs, I sent a CCA to Lowell's who have eventually replied with a statement of account and credit agreement. The agreement isn't the best to read and it's only one A4 page in size. Whilst I don't mind paying off what the OH owes I do mind paying over the odds with extra charges etc. I was expecting to also see a default notice so I could see what she actually owed before extra charges were put onto the account. Would my next step be to send a SAR to Lowell's as I'm pretty sure from the letter attached to the CCA response suggests they will now go for court action if we don't agree a repayment or ignore them, which we won't. I just want to make sure they don't take any further action pre court or otherwise until I have all the relevant information to make the right decisions. Thanks MM
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SHORTCUTS
First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire
If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.
NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service
Defend Claim - within 28 days from Service (IF you acknowledged in time)
If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.
We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over £10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.
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