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I've received a court claim this morning from Lowells/Overdale relating to two debts. Being honest I've buried my head in the sand the last few years when it's come to debt, so any help would be gratefully received.
Received a claim? Yes/No: Yes
Issue Date: 3/7/2024
Have you Acknowledged the Claim?: No
Total Amount Claimed : £1300
Claimant’s Name: Lowell Portfolio 1
Solicitors Firm: Overdales
Original Creditor: Sky & Capital One
Original Debt (eg. Credit card/Loan/Overdraft) : Sky - presume relating to TV & broadband subscription, Capital One - credit card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
1. The claim comprises the following agreements entered into:
a. Sky UK Ltd with reference xxx and current balance £yyy
b. Capital One ((Europe) plc with reference xxx and current balance £yyy
The agreements were terminated as payments were not maintained and subsequently assigned to the claimant.
And the claimant claims:
a) the total of the said sums being £xxx
b) interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year being £xxx
c) costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Both debts under 6 years old
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details:
Sky account ended when I moved house in April 2019, gave correct notice, all payments including final payment up to date (paid by direct debit) so no idea what this is for.
Capital One - stopped paying and buried my head in the sand
When was the account opened? Sky - January 2018, Capital One January 2021
Received a claim? Yes/No: Yes
Issue Date: 3/7/2024
Have you Acknowledged the Claim?: No
Total Amount Claimed : £1300
Claimant’s Name: Lowell Portfolio 1
Solicitors Firm: Overdales
Original Creditor: Sky & Capital One
Original Debt (eg. Credit card/Loan/Overdraft) : Sky - presume relating to TV & broadband subscription, Capital One - credit card
Particulars of Claim: ( Please type out in full excluding names/account numbers/exact amounts ):
1. The claim comprises the following agreements entered into:
a. Sky UK Ltd with reference xxx and current balance £yyy
b. Capital One ((Europe) plc with reference xxx and current balance £yyy
The agreements were terminated as payments were not maintained and subsequently assigned to the claimant.
And the claimant claims:
a) the total of the said sums being £xxx
b) interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, but limited to one year being £xxx
c) costs
Is the debt Statute Barred (have you had any contact with the creditor or claimant over the last 6 years?): Both debts under 6 years old
List any letters you have sent (eg: CCA/ CPR ): None
Any Other Information or Background Details:
Sky account ended when I moved house in April 2019, gave correct notice, all payments including final payment up to date (paid by direct debit) so no idea what this is for.
Capital One - stopped paying and buried my head in the sand
When was the account opened? Sky - January 2018, Capital One January 2021
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