Lowell Portfolio -County Court Business Centre.

[owenccn]

Hi first post and new to this and first court claim form ever received.
Is this a genuine court claim or a 'composed ' one from Lowells?
Says i owe £1991 to shop direct.Failed to maintain payments .Claiming £2150.28 ,court fee £105 and Legal rep costs £80.
Feel sick receiving this as i have no paperwork for such amount.Had a debt with very a few years ago that agreed a repayment plan with them direct(it wasnt even over £600 let alone 2k) but since moved house and embarassed that i let it faze out when my income dropped when my daughter was born so this is first ive heard since.
What should i do now as feel ill just looking at all the wording and trying to comprehend it.I could probably only afford to pay around £20 a month max to them now as had a huge drop in income.Any help would i would be very grateful for.

[charitynjw]

Re: Lowell Portfolio -County Court Business Centre.

Ho owenccn & welcome to LB

As regards whether it's a genuine court claim, can you post up a copy of it? (suitably redacted to protect your personal info).

What is the date of issue? (on the claim form).

Have you had a look at the info at the top of this thread? (In green )

[owenccn]

Re: Lowell Portfolio -County Court Business Centre.

Sorry how do i upload a photo as its asking for url?

[charitynjw]

Re: Lowell Portfolio -County Court Business Centre.

Sorry how do i upload a photo as its asking for url?

Aaarrgh! - a tech-type question!

I'm still using a quill & abacus!

But I know a man (well. lady) who can........

I can be emailed if you need my help loading pictures/documents to your thread. My email address is

kati@legalbeagles.info

But please include a link to your thread so I know who you are.

@Kati

[owenccn]

Re: Lowell Portfolio -County Court Business Centre.

Thank you.Link and photo sent to Kati .x

[charitynjw]

Re: Lowell Portfolio -County Court Business Centre.

[MENTION=49370]Kati[/MENTION]

[owenccn]

Re: Lowell Portfolio -County Court Business Centre.

Letter only arrived today -Issue date 6th May .

[Kati]

Re: Lowell Portfolio -County Court Business Centre.

Thank you.Link and photo sent to Kati .x

@Kati

got it xx

[owenccn]

Re: Lowell Portfolio -County Court Business Centre.

Thank you Kati .

[charitynjw]

Re: Lowell Portfolio -County Court Business Centre.

& a 'thank you' from me!
[MENTION=49370]Kati[/MENTION]

[charitynjw]

Re: Lowell Portfolio -County Court Business Centre.

Issue date 06/05/2016, so I calculate (as things stand) defence to be filed in court before 4pm 08/06/2916.

(But check yourself using the checker at the top of the thread = issue date + 33 days)

The most important thing now is the court's schedule & any instructions given by it.

Acknowledge it asap (Instructions are given in claim pack).

MCOL is probably easiest.

Then comes the CCA & CPR requests.

[owenccn]

Re: Lowell Portfolio -County Court Business Centre.

Thank you.Going to sit down tomorrow morning once children are at school and work through the steps at top of the page.
Looking at the court forms.Looking at expenditure/income etc.If need to fill this in at some point would i need to put my husbands wage in and our joint expenditure as only child benefit goes in and out of my account and some small direct debits.Or is it just tied to me ?

[owenccn]

Re: Lowell Portfolio -County Court Business Centre.

Just filling in the AOS form out.
Defending all or part? and What does contest Jurisdiction mean please?

[Stu]

Re: Lowell Portfolio -County Court Business Centre.

Jurisdiction only gets ticked IF you live in Scotland and defend in full ....

[owenccn]

Re: Lowell Portfolio -County Court Business Centre.

Thank you.Do i need to tick dispute in full or part ? and one last question.On the CCA letter do i need to make the £1 postal order payable to Lowells or someone else? Dont want to make any mistakes.Many thanks for all help so far its much appreciated.