Good evening,
Thank you all in advance for taking the time to read my post and for any assistance you may be able to provide.
I have today received a Letter of Claim from Bryan Carter Solicitors LLP regarding a debt with Orange, as follows:-
"We have been instructed by Fredrickson International Limited on behalf of our client, Lowell Financial Limited regarding your Orange account, to commence Legal Action and issue a Claim against you in the County Court in respect of this debt.
Should you fail to respond to this letter within 14 days, a Claim will be issued against you without any further notice. If Court action is taken, additional costs and interest will be added to the debt which you will be responsible for as below:
Current Debt Due: £726.66
Estimated Court Fee: £60.00
Estimated Solicitor Costs: £70.00
Estimated Total: £856.22
Please note that an amount for interest will also be added to the balance claimed and details will appear on the claim form.
Non-payment of the debt following claim may result in a CCJ....."
I've stopped there as I'm sure you've all seen this letter template many a time and get the gist of Bryan Carter's intent here.
I've had a look through the forum this evening and read many cases similar(ish) to mine, however the majority of others on the receiving end of the claim don't seem to know what the claim actually related to. I know exactly what my claim relates to in this instance and acknowledge (to myself and not to Bryan Carter!) that I do have a debt to Orange, just not to the tune that they are claiming.
To provide you with a backstory, I set up a 24-month phone contract with Orange back in 2012 - they gave me a new handset and I were to pay circa £35 a month for 24 months in line rental etc.. I very soon found myself in financial difficulty and missed my first payment due to Orange. Circa 14 days following this, Orange then barred my sim card and thus I no longer had any use of the mobile phone. I initially received letters from Orange requesting that I pay the full 24-month amount of line rental, which I regrettably got rather worried about and naively chose to ignore. I have received little to no correspondence in the interim until the letter received today and, if I'm honest, wouldn't be opposed to repaying the cost of the handset in addition to the one month of line rental that I incurred, however I can imagine that it is all a little too late to go down this route?
This is the first letter of this kind that I have ever received and I am rather taken aback by it all. In essence, I am not looking to completely wipe the debt as I acknowledge that I am at fault here, I'd just like to come to a fair resolution. If any of you guys are able to kindly advise steps that it's best I take in a circumstance like this, that would be greatly appreciated.
Kind regards,
dickayc90
Thank you all in advance for taking the time to read my post and for any assistance you may be able to provide.
I have today received a Letter of Claim from Bryan Carter Solicitors LLP regarding a debt with Orange, as follows:-
"We have been instructed by Fredrickson International Limited on behalf of our client, Lowell Financial Limited regarding your Orange account, to commence Legal Action and issue a Claim against you in the County Court in respect of this debt.
Should you fail to respond to this letter within 14 days, a Claim will be issued against you without any further notice. If Court action is taken, additional costs and interest will be added to the debt which you will be responsible for as below:
Current Debt Due: £726.66
Estimated Court Fee: £60.00
Estimated Solicitor Costs: £70.00
Estimated Total: £856.22
Please note that an amount for interest will also be added to the balance claimed and details will appear on the claim form.
Non-payment of the debt following claim may result in a CCJ....."
I've stopped there as I'm sure you've all seen this letter template many a time and get the gist of Bryan Carter's intent here.
I've had a look through the forum this evening and read many cases similar(ish) to mine, however the majority of others on the receiving end of the claim don't seem to know what the claim actually related to. I know exactly what my claim relates to in this instance and acknowledge (to myself and not to Bryan Carter!) that I do have a debt to Orange, just not to the tune that they are claiming.
To provide you with a backstory, I set up a 24-month phone contract with Orange back in 2012 - they gave me a new handset and I were to pay circa £35 a month for 24 months in line rental etc.. I very soon found myself in financial difficulty and missed my first payment due to Orange. Circa 14 days following this, Orange then barred my sim card and thus I no longer had any use of the mobile phone. I initially received letters from Orange requesting that I pay the full 24-month amount of line rental, which I regrettably got rather worried about and naively chose to ignore. I have received little to no correspondence in the interim until the letter received today and, if I'm honest, wouldn't be opposed to repaying the cost of the handset in addition to the one month of line rental that I incurred, however I can imagine that it is all a little too late to go down this route?
This is the first letter of this kind that I have ever received and I am rather taken aback by it all. In essence, I am not looking to completely wipe the debt as I acknowledge that I am at fault here, I'd just like to come to a fair resolution. If any of you guys are able to kindly advise steps that it's best I take in a circumstance like this, that would be greatly appreciated.
Kind regards,
dickayc90
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