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Lowell solicitors- Going to receive a claim

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  • Lowell solicitors- Going to receive a claim

    Received a letter from Lowell solicitors, in relation to a debt which I cannot recall, so would like to fight it. They have asked me to contact them, or pay up, or a claim will be issued via CCBC. I am familiar with the CCBC procedure, as I've used it a few times as a claimant and a defendant. The alleged debt is only for a mere £400, however I cannot recall it, nor hold any paperwork regarding it's exsistence. I will post further, when the claim arrives, but in the meantime, should I bother even replying to them in the interim?

    As I see it, and from past experience, the legal system appears to be like a game of chess, so perhaps that approach, may checkmate these vultures. Would I be right in thinking that the timings in these matters, is very important, in order to give yourself the best possible chance of winning, for example...posting information requests to the claimant as late as possible etc, inevitably cutting their allowed response time, increasing the possibility for error and timeout - by keeping communications to a bare minimum, and give them no advantage, or unnecessary information, but plenty of rope to hang themselves? all advice welcome, and thank you in advance.
    Tags: None

  • #2
    Re: Lowell solicitors- Going to receive a claim

    Hi smintram & welcome to LB

    If the communication which you have recently received is a 'letter before claim' (eg will go to court, & not 'may' or 'might'), you should respond.

    If you can tell us what the alleged debt is for (credit card, bank account, mobile 'phone bill etc), we may be better placed to offer suggestions.
    CAVEAT LECTOR

    This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb


    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.


    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

    Comment


    • #3
      Re: Lowell solicitors- Going to receive a claim

      Hi, and sorry, I did forget to mention that...It says it's on behalf of their client, Lowell portfolio, regarding a shop direct account. They only stipulate to contact them to arrange to pay.
      Hope that helps.

      Comment


      • #4
        Re: Lowell solicitors- Going to receive a claim

        The obvious question is do you recall ever having a Shop Direct agreement? (If so, probably with one of the trading names such as Very or Littlewoods etc).
        CAVEAT LECTOR

        This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

        You and I do not see things as they are. We see things as we are.
        Cohen, Herb


        There is danger when a man throws his tongue into high gear before he
        gets his brain a-going.
        Phelps, C. C.


        "They couldn't hit an elephant at this distance!"
        The last words of John Sedgwick

        Comment


        • #5
          Re: Lowell solicitors- Going to receive a claim

          No, but my ex girlfriend was always opening accounts in my name, with my consent. She usually payed them off though. Obviously, this would still make me liable...but this would probably have been around four years ago.

          Comment


          • #6
            Re: Lowell solicitors- Going to receive a claim

            I guess I'll have to plead ignorant, and just put up a defence of some kind.

            Comment


            • #7
              Re: Lowell solicitors- Going to receive a claim

              Any advice please on how to approach this one anybody?

              Comment


              • #8
                Re: Lowell solicitors- Going to receive a claim

                [MENTION=87380]Diana M[/MENTION]

                Comment


                • #9
                  Re: Lowell solicitors- Going to receive a claim

                  mike770 ???

                  Comment


                  • #10
                    Re: Lowell solicitors- Going to receive a claim

                    asking Diana to pop in to the thread to look at it

                    Comment


                    • #11
                      Re: Lowell solicitors- Going to receive a claim

                      Originally posted by smintram View Post
                      Hi, and sorry, I did forget to mention that...It says it's on behalf of their client, Lowell portfolio, regarding a shop direct account. They only stipulate to contact them to arrange to pay.
                      Hope that helps.
                      *It would appear from this that there is no actual threat of litigation at the moment?

                      Originally posted by smintram View Post
                      I guess I'll have to plead ignorant, and just put up a defence of some kind.
                      *If so, no 'defence' is necessary at the moment

                      It may be a good idea to SAR Shop Direct for all data re this account.
                      CAVEAT LECTOR

                      This is only my opinion - "Opinions are made to be changed --or how is truth to be got at?" (Byron)

                      You and I do not see things as they are. We see things as we are.
                      Cohen, Herb


                      There is danger when a man throws his tongue into high gear before he
                      gets his brain a-going.
                      Phelps, C. C.


                      "They couldn't hit an elephant at this distance!"
                      The last words of John Sedgwick

                      Comment


                      • #12
                        Re: Lowell solicitors- Going to receive a claim

                        Sorry, I don't know what "SAR" means. They say they will automatically issue a claim if they haven't heard from me about payment by the 14th, so I'd say it's coming. That said, would it be better to contact them, to cover myself? It's obvious that the debt was sold on to Lowell, so now their problem I guess. chances are that Lowell may not know or have the information that I may require. I only have a few days to post something, so all suggestions are welcome.

                        Comment

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