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Lowell Solicitors - Notice of pending legal action

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  • Lowell Solicitors - Notice of pending legal action

    Hi all. I've received an LBA from Lowell Solicitors on behalf of Lowell Portfolio regarding a 300 credit card debt. Shall I use the LBA reply form to request proof of liability?

    I'm assuming I can check SECTION 1 BOX C (I don't know whether I owe the debt) and SECTION 4 BOX I (I need more documents or information)?

    Also I'm on the lowest Universal Credit for the next few months.. if I need to offer repayment is there a chance they will not accept my low offer and take me to court anyway or will they counter offer?

    Thanks for reading any help is much appreciated.
    Tags: None

  • #2
    I'm having trouble fitting in all the required documents on BOX I, Should I request more or less than the examples given?
    Last edited by LauRo; 3rd February 2021, 11:39:AM.

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    • #3
      If anyone can help please.

      Comment


      • #4
        Sorry, im a newbie, so cant help directly but if no one replies here, try the Money Saving Expert forum. They have a very good debt forum with lots of helpers.

        Comment


        • #5
          Reading between the lines of what you have written it would appear you have recieved a letter before action together with a pre-action protocol for debt claims. Which the courts require are sent to a debtor and allowing you thirty days before they can proceed to issue a county court summons and particulars of claim. This is to give you every opportinity to admit / dispute or seek advice about the debt . It's in no ones interest to take you to court and they are asking you to talk to them. I suggest you do just that. They know they can't get blood out of a stone so communication is the key. I think you will find they are firm but fair. They will only normally take you to court if you ignore them.

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          SHORTCUTS

          Pre-Action Letters
          First Steps
          Check dates
          Income/Expenditure
          Acknowledge Claim
          CCA Request
          CPR 31.14 Request
          Subject Access Request Letter
          Example Defence
          Set Aside Application
          Witness Statements
          Directions Questionnaire
          Statute Barred Letter



          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

          Defend Claim - within 28 days from Service (IF you acknowledged in time)

          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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