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PLEASE HELP - Lowell Solicitors Letter of Claim for £2916.54 on behalf of Capital One

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  • #1

    PLEASE HELP - Lowell Solicitors Letter of Claim for £2916.54 on behalf of Capital One

    Hello,

    Today I received a Letter of Claim from Lowell Solicitors, acting on behalf of Lowell Portfolio 1 LTD, with regards to debt passed to them by Capital One.

    I have redacted my personal information and have attached images of the letter to this post.

    I do owe this debt, however, I am not certain how much interest has been applied to the original figure by Capital One.

    I am prepared to pay this debt, but I am currently a student and barely subsist on my current income, and so am not in a position to pay anything other than very small monthly repayments.

    Please advise, and thank you in advance for your assistance.

    Regards,

    D. T.

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  • #2
    If you call Lowell they will go through your income and expenditure with you to work out an installment arrangement based on your circumstances, and arrange to review it every 6 months.

    Do you know when you defaulted on the Capital One card? IT was opened 2014 so presumably it defaulted 2016/2017 before assignment to Lowell, so it is likely to be enforceable and it isn't statute barred.
    #staysafestayhome

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps

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    • #3
      Thanks, Amethyst.

      Yes, I believe I defaulted around 16/17.

      So, your advice is for me to telephone them to discuss a repayment plan?


      Comment

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      SHORTCUTS


      First Steps
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      Income/Expenditure
      Acknowledge Claim
      CCA Request
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      Subject Access Request Letter
      Example Defence
      Set Aside Application
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      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.



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