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Court claim from Lowells
Hi everyone. I've just registered after receiving a county court claim form from Lowells. I've put the details below. Any guidance would be much appreciated. I have no experience of dealing with courts or solicitors.
Received a claim? Yes
Issue Date: 18 February 2020
Have you Acknowledged the Claim?: No
Total Amount Claimed : £7,300
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: Lowell Solicitors
Original Creditor: Halifax
Original Debt: Credit card
Particulars of Claim:
1. The defendant entered into an agreement for a Halifax (credit card) account under reference xxxxxxxxx ('the Agreement')
2. The defendant failed to maintain the required payments and the service was terminated
3. The Agreement was later assigned to the claimaint on 17/06/2015 by Bank of Scotland PLC and notice given to the Defendant
4. Despite repeated requests for payment, the sum of £6,300 remains due and outstanding.
And the claimaint claims
a) the said sum of £6,300
b) costs
Is the debt Statute Barred: No
List any letters you have sent: CCA sent today
Any Other Information or Background Details:
Don't know what other details are relevant. Of course I'd like if possible is to avoid a CCJ registration but I have no funds to pay the full amount and I have no income currently. If I could raise some funds from family to make a full and final settlement for a percentage of the amount, I imagine that would be the best outcome, but I have no experience in these things.
Many thanks to anyone who can offer any guidance.
Issue Date: 18 February 2020
Have you Acknowledged the Claim?: No
Total Amount Claimed : £7,300
Claimant’s Name: Lowell Portfolio 1 Ltd
Solicitors Firm: Lowell Solicitors
Original Creditor: Halifax
Original Debt: Credit card
Particulars of Claim:
1. The defendant entered into an agreement for a Halifax (credit card) account under reference xxxxxxxxx ('the Agreement')
2. The defendant failed to maintain the required payments and the service was terminated
3. The Agreement was later assigned to the claimaint on 17/06/2015 by Bank of Scotland PLC and notice given to the Defendant
4. Despite repeated requests for payment, the sum of £6,300 remains due and outstanding.
And the claimaint claims
a) the said sum of £6,300
b) costs
Is the debt Statute Barred: No
List any letters you have sent: CCA sent today
Any Other Information or Background Details:
Don't know what other details are relevant. Of course I'd like if possible is to avoid a CCJ registration but I have no funds to pay the full amount and I have no income currently. If I could raise some funds from family to make a full and final settlement for a percentage of the amount, I imagine that would be the best outcome, but I have no experience in these things.
Many thanks to anyone who can offer any guidance.
