Lowell’s - Received Court Action

[Albatherben]

Hi There.

please can someone help with this as I’m not sure how to defend this.

I have received court action from Lowell’s solicitors on 16th Feb. Not acknowledged or anything yet. I have debt problems as I have been out of work. I started a job on 15th Feb so contacted payplan to start a DMP which will have its first payment next month including Lowell’s.

The court papers say -

The claimant claims the sums of 7507.93 in respect of 2 balances of 2 debts due by the defendant with interest under s.69 of the county courts act 1984 at a rate of 8% per annum in the sum of 412.84 making a total of 7919.77. Detailed particulars of claim will follow and be served separately.

How can I defend this when I don’t even know which creditors they are? Should I write to Lowell’s and request the credit agreements and particulars? And can my defence be that I have no idea which creditors these are? Also, if I contact Lowell’s and tell them I’m starting on a DMP with payplan will they stop this action given the circumstances. I really don’t want a CCJ.

Many Thanks in advance.

[Albatherben]

Received a claim? Yes
Issue Date: 16 Feb 2021
Have you Acknowledged the Claim?: no
Total Amount Claimed:£ 7917.77
Claimant’s Name: Lowell Portfolio I Ltd, Leeds
Solicitors Firm: Lowell Solicitors Ltd, Leeds
Original Creditor:
Original Debt:
Particulars of Claim:

I forgot this sorry.