Court Claim - lowell / orange - 29-10-2015

[pandapowley]

Received a claim? Yes
Issue Date: 29-10-2015
Amount approx: 237.69
Claimant: lowell
Solicitor: cohen cramer
Original Credit: orange

Particulars of Claim:
Defendant failed to maintain contractual payments.

Stat Barred? No

Have sent:

Other Info:
Hi,i need help,i'm 23,carer,and live on 60 income support,i've had a court letter today for an orange contract i took out when i was at college in 2010.what happened was the phone broke 3months roughly before my contract was due to end,i had no insurance as i was living on 30 ema a week,i phoned they said nothing they could do so i just stopped paying the last 3months. I thought it wouldn't be a big deal as i'd paid every payment before that for over a year never missed. please walk me through what to do,it says i have to go on moneyclaim.gov to respond,i thought i'd get your advice because you all seem to know what your on about. Lowells want total 237.69, which seems extreme and i cannot afford. I did receive letters before reguarding my bill but i just ignored,because it was only for last months and i thought they would give up. Shall i offer a minimum monthly payment out my benefit? thanks for listening.

[nemesis45]

Re: Court Claim - lowell / orange - 29-10-2015

Hi,

This is a common problem becoming more common by the minute!
The problem is stopping the payments leads to cancellation charges
being levied, all phone providers have little time for delinquent accounts
and sell them off very quickly.
The amount claimed will be any outstanding airtime costs + a hefty cancellation
fee.
Have you acknowledged service of the claim?
If not do so at Money Claim Online (MCOL) state intention to defend in full.
This will give us more time to try to find a defence to the claim.

You are it seems on a very low income are you sure you are getting all the
benefits you are eligible for?
a member of the LB team may be able to help on this point.
[MENTION=49370]Kati[/MENTION] any ideas please.

nem

[Kati]

Re: Court Claim - lowell / orange - 29-10-2015

@Kati any ideas please.

Got it Nem xx

Hi @pandapowley you say you're on benefits atm ... is that JSA, IS, ESA, PIP, UC?? Are you eligible for tax credits at all? Do you have children?

[nemesis45]

Re: Court Claim - lowell / orange - 29-10-2015

Got it Nem xx

Hi @pandapowley you say you're on benefits atm ... is that JSA, IS, ESA, PIP, UC?? Are you eligible for tax credits at all? Do you have children?

Thanks Kati!!~

[pandapowley]

Re: Court Claim - lowell / orange - 29-10-2015

Got it Nem xx

Hi @pandapowley you say you're on benefits atm ... is that JSA, IS, ESA, PIP, UC?? Are you eligible for tax credits at all? Do you have children?

Hi,i'm single living with my mum,she suffers severe depression so she's in no state to help,i have to take care of my nephew ,he has autism and adhd,so i take him out and give my sister some time out as he can be an handfull,when my mum is better she will take over the care,i receive 60 income support for me and a care allowance for my nephew,i can work 16hrs but no work yet,but i'm there for mum and nephew at the minute,while they need me. I have not done anything with this court claim letter yet,it says i have to go on moneyclaim.gov. I have 14days from29th oct 2015.

[Kati]

Re: Court Claim - lowell / orange - 29-10-2015

Hi,i'm single living with my mum,she suffers severe depression so she's in no state to help,i have to take care of my nephew ,he has autism and adhd,so i take him out and give my sister some time out as he can be an handfull,when my mum is better she will take over the care,i receive 60 income support for me and a care allowance for my nephew,i can work 16hrs but no work yet,but i'm there for mum and nephew at the minute,while they need me. I have not done anything with this court claim letter yet,it says i have to go on moneyclaim.gov. I have 14days from29th oct 2015.

OK ... have you looked into carers allowance for looking after your mum? Is she getting benefits?

As for the court claim, if you acknowledge online (MCOL) and click "intend to defend in full" you'll get extra time for the Beagles like [MENTION=55034]nemesis45[/MENTION] to advise xx

[nemesis45]

Re: Court Claim - lowell / orange - 29-10-2015

My I ask a personal question please? How old is your mum?

nem

[pandapowley]

Re: Court Claim - lowell / orange - 29-10-2015

Im currently receiving carers allowance for my nephew, My mum receives ESA and has been reviewed (PIP) and has been declined.

- - - Updated - - -

My I ask a personal question please? How old is your mum?

nem

mum is 53

[nemesis45]

Re: Court Claim - lowell / orange - 29-10-2015

Im currently receiving carers allowance for my nephew, My mum receives ESA and has been reviewed (PIP) and has been declined.

- - - Updated - - -



mum is 53

OK [MENTION=49370]Kati[/MENTION] will know better than I on the possibility of a " Mandatory " redetermination on the PIP worth looking into.

nem

[pandapowley]

Re: Court Claim - lowell / orange - 29-10-2015

Okay, So I've been to MCOL and clicked defend, it's asking me for a reference and "Do you dispute the claim because you have already paid it?"

[nemesis45]

Re: Court Claim - lowell / orange - 29-10-2015

Okay, So I've been to MCOL and clicked defend, it's asking me for a reference and "Do you dispute the claim because you have already paid it?"

Answer is no, you are not disputing so there is no reference.

nem

[pandapowley]

Re: Court Claim - lowell / orange - 29-10-2015

Okay now it's asking for a 122 line defence

[Kati]

Re: Court Claim - lowell / orange - 29-10-2015

[MENTION=6]Amethyst[/MENTION] [MENTION=55034]nemesis45[/MENTION]?? Is it OK to close MCOL after clicking "defend in full" and go back later?

[nemesis45]

Re: Court Claim - lowell / orange - 29-10-2015

@Amethyst @nemesis45?? Is it OK to close MCOL after clicking "defend in full" and go back later?

Yes, just make sure you have made a note of your password, problems with this are the most common cause failure to get back in.

nem

[pandapowley]

Re: Court Claim - lowell / orange - 29-10-2015

Hi nem,i've now done that,saved passwords.What now? Just wait?