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Help please- Letter of Claim from Lowell solicitors

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  • tearsvoice
    started a topic Help please- Letter of Claim from Lowell solicitors

    Help please- Letter of Claim from Lowell solicitors

    I just received a Letter of Claim from Lowell Solicitors on 03/06/2018, and have 30 days to send them the reply form, but just saw it today. Very worried if it is late.
    The Account start date 14/01/2013 Date of default 14/12/2013, the original company name is THree mobile, regarding 385.51 balance., so maybe a mobile contract.

    I also used to receive a Letter from Lowell Financial Ltd and attached with the Notice of Assignment from Three mobile said"assign the debt to debt partner Lowell Portfolio I Ltd".



    I will be really appreciate that you can give advice regarding the following please?

    1: Should I send them Reply Form,choosing C and asking for more information to Lowell Solicitors ?

    2: And also should I request 77-79 CCA Request to Lowell Portfolio I Ltd or Lowell Solicitors? If to Lowell Portfolio I ltd, could I make a copy of the request to Lowell Solicitors to let them know as well?

    3: Since it is a mobile contract not credit card, could I still need to use the templet for the 77-70 CCA Request ?
    can I use templet from here:
    https://legalbeagles.info/library/gu...etter-example/
    CCA Request Letter Example • LegalBeagles.info
    legalbeagles.info
    LegalBeagles.info » Library » Court » Guides and Letters » CCA Request Letter Visit the Forum – County Court Claims We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com – If your case is over £10,000 or particularly complex it may be…


    4: But I do not have the address where I can send the 77-79 CCA Request to, I only have solicitor address, should I search google use address there ?

    5: someone said I should ask for CPR 31.14 Request, is it right to request this? coz it seems requested after the county court claim?

    It is nearly deadline now. I do appreciate if someone can give me the clearly advices please, I am quite new for all of these and may get confused, and have so many questions.


    Thank you all very very much in advance.

    Last edited by tearsvoice; 24th June 2018, 08:57:AM.
    Tags: None

  • tearsvoice
    replied
    Kati could you let me know how to delete the duplicate replies please? When i post reply, website said"error", so I just kept to post the reply several time, but after realised posted many time, but could find way to delete them (duplicate ones),many thanks!
    Last edited by tearsvoice; 14th August 2018, 22:55:PM.

    Leave a comment:


  • tearsvoice
    replied
    OMG, SO SORRY, I said error when I post reply, but realised it is actually posted so many times. Could not delete them. so sorry.......

    Leave a comment:


  • tearsvoice
    replied
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year


    Anyone could give me some advices plz, what is my next step plz? Should I send SA to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Many thanks!
    AmethystDiana Msmiler236jaguarsuk

    Leave a comment:


  • tearsvoice
    replied
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year
    AmethystDiana Msmiler236 jaguarsuk

    Anyone could give me some advices plz, what is my next step plz? Should I send SA to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Many thanks!

    Leave a comment:


  • tearsvoice
    replied
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year
    AmethystDiana Msmiler236 jaguarsuk

    Anyone could give me some advices plz, what is my next step plz? Should I send SAR to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Many thanks!

    Leave a comment:


  • tearsvoice
    replied
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year
    AmethystDiana Msmiler236jaguarsuk
    Anyone could give me some advices plz, what is my next step plz? Should I send SAR to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Many thanks!

    Leave a comment:


  • tearsvoice
    replied
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year


    AmethystDiana Msmiler236jaguarsuk
    Anyone could give me some advices plz, what is my next step plz? Should I send SAR to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Many thanks!

    Leave a comment:


  • tearsvoice
    replied
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year


    AmethystDiana Msmiler236jaguarsuk
    Anyone could give me some advise plz, what is my next step plz? Should I send SAR to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Many thanks!

    Leave a comment:


  • tearsvoice
    replied


    Amethyst Diana M smiler236 jaguarsuk
    Anyone could give me some advise plz, what is my next step plz? Should I send SAR to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Many thanks!

    Leave a comment:


  • tearsvoice
    replied
    plz.
    Last edited by tearsvoice; 13th August 2018, 20:52:PM.

    Leave a comment:


  • tearsvoice
    replied


    Amethyst Diana M Diana M smiler236 jaguarsuk Anyone could give me some advise plz, what is my next plz? Should I send SAR to 3G? how can I find the address to send plz?
    How should I reply letter for Lowell solicitor letter plz?

    Do appreciate !

    Leave a comment:


  • tearsvoice
    replied
    Click image for larger version

Name:	Somewhere on Term & condition.jpg
Views:	1
Size:	121.3 KB
ID:	1417225

    Leave a comment:


  • tearsvoice
    replied
    Click image for larger version  Name:	InkedNotice of assignment from 3G_LI.jpg Views:	1 Size:	60.2 KB ID:	1417218
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year

    AmethystDiana Msmiler236jaguarsuk MIKE770

    After the Pre-action
    claim letter, and my
    sending the reply form back to the solicitors and CCA request to Lowell portfolio I Ltd,


    I receive these letters from Lowell solicitor today( please see attached)


    It says: "As this is former telecommunications matter it is not regulated by the Consumer Credit Act 1974, the original creditor is therefore not required to retain a copy of the Agreement, Subsequently, we are unable to request a copy of this document. A default Notice is a technical document that is applied to a Credit Agreement should a customer fail to repay the account.. As mobile phones have a Service Agreement and not a Credit Agreement, a Default Notice does not apply and is therefor not issued. "





    Since then they only enclosed a simple bill which is only 92.17 pounds from 3G, but Lowell asking for 385.51 pounds now., there is no other document for how it comes to be 385.51. It is not on the Term and conditions they sent neither.





    Also, on all the 3G letters, there is no 3G address at all.





    They said they hold my case for 30 days, otherwise will take court procedure.





    I am not sure about this phone contract, and not afford such big amount. What should I do next please?





    I do appreciate that someone can give advices please. Thank you so much.

    Click image for larger version  Name:	Notice from Lowell.jpg Views:	1 Size:	62.3 KB ID:	1417219Click image for larger version  Name:	Terms and conditions from 3G (2).jpg Views:	1 Size:	64.1 KB ID:	1417220Click image for larger version  Name:	Letter from Lowell soliciter.jpg Views:	1 Size:	60.2 KB ID:	1417221Click image for larger version  Name:	Terms and conditions from 3G (1).jpg Views:	1 Size:	80.9 KB ID:	1417222Click image for larger version  Name:	bill-97 from 3G.jpg Views:	1 Size:	60.5 KB ID:	1417223
    Last edited by tearsvoice; 5th August 2018, 20:59:PM.

    Leave a comment:


  • tearsvoice
    replied
    Originally posted by Amethyst View Post
    If there was a device then yes send the reply form back to the solicitors and send a cca request to Lowell portfolio / financial ( rather than Lowell solicitors) direct

    If the debt defaulted in 2013 it will fall off the file next year
    Dear Amethyst, thank you so much for your reply. Ok I will do that tomorrow. very frustrated now.

    Should I attached a copy of CCA request to solicitors to let them know I sending this to Lowell portfolio?
    Should I send both of these two using special delivery(recorded)?
    Also I will use the templet from the link, should I change all "credit agreement" into "contract"?



    Thanks again Amethyst and Mike, I owe you some cakes/drinks, wish I can have chance to let you try cakes which I make on own.
    LegalBeagles.info » Library » Court » Guides and Letters » CCA Request Letter   Visit the Forum – County Court Claims We now feature a number of specialist consumer credit debt solicitors on our sister site, JustBeagle.com – If your case is over £10,000 or particularly complex it may be…

    Leave a comment:

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SHORTCUTS

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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

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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 £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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