County Court Claim received Lowells help please

[Dazzle1969]

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

[Dazzle1969]

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

[echat11]

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/

[Dazzle1969]

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

[ostell]

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

[Dazzle1969]

Many thanks

[Dazzle1969]

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

[MIKE770]

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.

[MIKE770]

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.

[MIKE770]

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<

[Dazzle1969]

Thanks Mike top man

[Dazzle1969]

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?

[Dazzle1969]

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

[Dazzle1969]

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

[MIKE770]

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