Overdales on behalf of lowell

[Riordan44]

I have received a claim form, but did not receive a Letter before action/pre action letter.

They have added the following:

£204 interest
£118 court Fee
£80 legal cost
£402 in Total

I called them this morning to say i am happy to pay the debt owed minus the fees added above as there was no pre action letter received and as per a previous letter in the year before we called staright away to set up a payment plan.

They are now saying the following:

Must pay in full to avoid CCJ and the defaults being marked as satisfied
If i only pay the debt and not the fees that have been added then they will only mark the defaults as partially satisfied.

Is this true, is there anything I can say or do to get them to drop all of the fees they have added including the interest or do i have to pay it all in order to avoid the CCJ and to have the defaults marked as satisfied?

Also is there anything I can do to get the defaults removed following settlement?

Many thanks in advance.

[echat11]

Hi RIORDAN44

They've issued a claim.

So you need to acknowledge service, that can be done online, you get an extra 14 plus 5 days to file your defence.

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

Fill in the following:

Received a claim? Yes/No:
Issue Date:
Have you Acknowledged the Claim?:
Total Amount Claimed : ( approximately please do NOT use EXACT figure given on the claim form, round up to next £100 or £1000)
Claimant’s Name:
Solicitors Firm:
Original Creditor:
Original Debt (eg. Credit card/Loan/Overdraft) :
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?):
List any letters you have sent (eg: CCA/ CPR ):
Any Other Information or Background Details:

https://legalbeagles.info/library/gu...y-court-claim/

You haven't received a letter before action, so Overdales / Lowells aren't following CPR Rules, you can use that in your defence.

Make a formal online complaint, do it online -

https://www.lowell.co.uk/contact-us/