Lowell Solicitors - Notice of pending legal action

[LauRo]

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.

[LauRo]

I'm having trouble fitting in all the required documents on BOX I, Should I request more or less than the examples given?

[LauRo]

If anyone can help please.

[getsomehelp]

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.

[EnglandPi]

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.