Lowell CCJ Received Sept 16th

elle7

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Joined: Sep 2016

Posts: 26
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Lowell CCJ Received Sept 16th

27th September 2016, 17:33:PM

*Apologies I posted this in the welcome forum*

Hi,

I'm new here and I've been reading the threads. I want to know what my best options are to this debt:

Account start date:26/06/2006

Date of default:30/12/2011

Default balance :3645

Date Lowell registered first default: October 2013

Amount lowell showing on default: 3212

This is my debt I don't deny that, but I received a claim form from the Northampton court on Sept 16th and I am yet to acknowledge this. I know I have 14 days plus postage time, so I will respond.

I just want to know what my best option is, as I was just reading another thread, where someone is in a similar position with an account from 2014 and are going to court in October. Court is something I wish to avoid.

Should I contact them and make monthly payment? Should I offer a full and final settlement?

I've made no contact what so ever with Lowell.

Your help is thoroughly appreciated. Thank you.
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SHORTCUTS

First Steps
Check dates
Income/Expenditure
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter
Example Defence
Set Aside Application
Directions Questionnaire

If you received a court claim and would like some help and support dealing with it, please read the first steps and make a new thread in the forum with as much information as you can.

NOTE: If you receive a court claim note these dates in your calendar ...
Acknowledge Claim - within 14 days from Service

Defend Claim - within 28 days from Service (IF you acknowledged in time)

If you fail to Acknowledge the claim you may have a default judgment awarded against you, likewise, if you fail to enter your defence within 28 days from Service.

We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com
If your case is over Â£10,000 or particularly complex it may be worth a chat with a solicitor, often they will be able to help on a fixed fee or CFA (no win, no fee) basis.

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