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County Court Claim received Lowells help please

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  • County Court Claim received Lowells help please

    Hi I today recieved a CC letter from Lowells for 600 for a capital one credit card debt it states the date the debt was transferred to the debt collectors as 17/09/2020 but no date of original contract. Can I ask for a copy of the contract now that it has gone to court and use as a defence if they do not provide it? If i can what is the process I have no idea

    Appreciate any help
    Tags: None

  • #2
    Any help with the court process would be gratefully recieved as well. Thanks in advance

    Comment


    • #3
      Hi Dazzle1969

      You need to Acknowledge the Claim, that will give you 28 days to file your defence.
      Follow the information in the link -

      https://legalbeagles.info/library/gu...ledge-a-claim/

      https://www.nationaldebtline.org/fac...nformation-ew/

      Comment


      • #4
        Thanks I will do that and let you know the response.

        Comment


        • #5
          Make a CCA request to Lowells. Template in Shortcuts panel on this page.

          Comment


          • #6
            Many thanks

            Comment


            • #7
              Originally posted by ostell View Post
              Make a CCA request to Lowells. Template in Shortcuts panel on this page.
              Do i need to send anything else to the original lender or Lowell or just the CCA and thats enough? Sorry I'm new to all this

              Comment


              • #8
                CCA Request get proof of posting - send with 1 postal order. keep copies you are dealing with lowells who must of purchased the alledged debt now owners.

                Comment


                • #9
                  First Steps
                  Check dates
                  Acknowledge Claim read these info sheets
                  CCA Request
                  CPR 31.14 Request == only ask for what is stated in the court form.



                  Comment


                  • #10
                    lowells usually not provide at this stage as they do not have items> BUT your defence later will give court information of requesting such, do not worry at this stage about it> defence later.

                    just go on line and Acknowledge claim = Stating Defend ALL no defence needed just now, once acknowledged an extension of time limits extends so defence later on> but get those request off and acknowledge claim now<

                    Comment


                    • #11
                      Thanks Mike top man

                      Comment


                      • #12
                        Originally posted by MIKE770 View Post
                        lowells usually not provide at this stage as they do not have items> BUT your defence later will give court information of requesting such, do not worry at this stage about it> defence later.

                        just go on line and Acknowledge claim = Stating Defend ALL no defence needed just now, once acknowledged an extension of time limits extends so defence later on> but get those request off and acknowledge claim now<
                        So does the CPR go to Lowells solicitors but the CCA just to Lowells?

                        Comment


                        • #13
                          Sorry im confused could you outline what i need to send to who. At thr bottom of letter in red it says about a copy being sent of credit agreement. Do i send the letters together. Sorry

                          Comment


                          • #14
                            Also is the date for defence 28 days after original CC issue date. Sorry this is hard

                            Comment


                            • #15
                              CPR to solicitors - get proof posting = no fee

                              CCA to originator with 1.00 postal order get proof posting also send copy to lowells solicitors - just copy no fee

                              Comment

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                              SHORTCUTS

                              Pre-Action Letters
                              First Steps
                              Check dates
                              Income/Expenditure
                              Acknowledge Claim
                              CCA Request
                              CPR 31.14 Request
                              Subject Access Request Letter
                              Example Defence
                              Set Aside Application
                              Witness Statements
                              Directions Questionnaire
                              Statute Barred Letter



                              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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