Help with Lowell pending legal action..

[UTAhh]

Hi, I've been sent a Lowell Solicitors "Notice of Pending Legal Action" letter.

They have bought 3 debts, mobile SIM only with 3, dated 2016.

BT dated 2015 and Studio 2019.

They have the account numbers for each one and say I can request the terms and conditions.

Three shouldn't have even been a debt, I took out a SIM only deal, couldn't get any signal and they kept fobbing me off with they're working on it that's why and will be fixed in a few days, rinse and repeat till I had enough and they claim it's past my cooling of period so I have to pay up!!

BT broadband and TV kept going down, had engineers come out and say it's a problem at the exchange or whatever that means so make sure they don't charge you. They did and that's how that ended.

All together it's £661.52.

What can I do, I don't want a CCJ as don't want bailiffs knocking on trying to get in as I'm living back with parents now.

[UTAhh]

Any help would be appreciated..

[ostell]

So did you just not pay anything?

[UTAhh]

Did I not just pay for what?

[UTAhh]

If you're talking about BT, we were still paying for months after trying to dispute and they refunded it via credit, still our internet and TV would go off all the time. Why I'm explaining this I don't know? What a useless reply. Is anyone actually on this forum, seems like a dead land.

[ostell]

If you want to be like that then probably no one will help. The question was did you just stop paying, as some people do when in dispute.

What letter did you write to the suppliers, what did you complain about, have you got proof of their responses.

[UTAhh]

I do apologise, thought you were being an ass and saying I should of paid it. I disputed via phone calls with BT. Three I might have some screenshots of the chats with them admitting it's a problem but they are "upgrading" them so we can get signal.

[ostell]

So it makes it difficult without paperwork. However, SAR to all the companies requesting all the information they hold about you, including copies of the recorded phone calls and a copy of the call logs.

SAR in Shortcuts panel

[UTAhh]

Do I send that to BT and not Lowell?

[ostell]

To the company that had the original debt.

[Celestine]

The problem will be that they've lumped the three accounts together. The Studio account being 2019 will definitely have its CCA/statement paperwork (still ask for it though!). Definitely send SARs to BT and 3 to find out how these accounts got defaulted and sold on. Did you receive any letters from them saying this?

[MIKE770]

Subject Access Request Letter