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I need some help please.
I had a very old MBNA debt (05) with Lowells which I have been paying regularly up to the last year. I stupidly stopped making payments about a year ago and have just received a Claim Form through the post from Brian Carter. They sent a letter telling me I would get one within 48 hours and I received one the next day. I had no time to respond to their letter.
The original debt was for about £1,500. Despite numerous requests to Lowell for a statement I never received anything so stopped making payments thinking I must have paid it off by now (9 years later).
The claim form states the debt was assigned to Lowell Portfolio in June 05 and notice served pursuant to law of property Act 1925. I have received letters from Frederickson in the meantime.
I still have no idea of how much I have paid as no statements have been forthcoming. They are now trying to claim £2,800 amount claimed plus court fee £105 and £80 costs but have added over £1,100 interest since 2005. Can they do this as this will double my original debt.
I have tried really hard to repair my credit history since 2005 when I lost my business and I feel devastated that I will now have a Judgment on my file for another 6 years.
Any help would be much appreciated as this is giving me sleepless nights. Date of claim form was 3 July.
Many thanks to anyone that can help and advise next steps.
I had a very old MBNA debt (05) with Lowells which I have been paying regularly up to the last year. I stupidly stopped making payments about a year ago and have just received a Claim Form through the post from Brian Carter. They sent a letter telling me I would get one within 48 hours and I received one the next day. I had no time to respond to their letter.
The original debt was for about £1,500. Despite numerous requests to Lowell for a statement I never received anything so stopped making payments thinking I must have paid it off by now (9 years later).
The claim form states the debt was assigned to Lowell Portfolio in June 05 and notice served pursuant to law of property Act 1925. I have received letters from Frederickson in the meantime.
I still have no idea of how much I have paid as no statements have been forthcoming. They are now trying to claim £2,800 amount claimed plus court fee £105 and £80 costs but have added over £1,100 interest since 2005. Can they do this as this will double my original debt.
I have tried really hard to repair my credit history since 2005 when I lost my business and I feel devastated that I will now have a Judgment on my file for another 6 years.
Any help would be much appreciated as this is giving me sleepless nights. Date of claim form was 3 July.
Many thanks to anyone that can help and advise next steps.
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