Help please- Letter of Claim from Lowell solicitors

[tearsvoice]

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.

[tearsvoice]

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!

[tearsvoice]

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.......

[tearsvoice]

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

[tearsvoice]

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!

[tearsvoice]

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!

[tearsvoice]

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!

[tearsvoice]

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!

[tearsvoice]

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!

[tearsvoice]

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!

[tearsvoice]

plz.

[tearsvoice]

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 !

[tearsvoice]

[tearsvoice]

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.

[tearsvoice]

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.