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Hi guys,*
so I sent my mediation forms back and I've just received an email (ive never received an email* before) from Lowell's. They have now provided evidence of the debt so that do I do? Try to settle? Provide a budget and possible payment plan even though at the moment I cannot pay anything, I'm a plasterer by trade and people don't want me in their houses and when they do, I can't get hold of materials, when I'm working it may only be around £20 a month and they wouldn't accept that last time over the phone.
Any advice would be much appreciated*
Dear Mr ....
*
Our Client: Lowell Portfolio I Limited
Claim Number: *********
Lowell Reference Number: ***********
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WITHOUT PREJUDICE SAVE AS TO COSTS
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My name is Lorianne, I am the case handler for the claim issued against you for a former Tesco Bank Personal Loan account in the sum of £1,599.03 plus interest, costs and fees totalling £1,860.43.
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I am in receipt of your Defence and I have reviewed the same in full. I note that you state our client’s Claim does not provide you with enough information for you to consider your position and you have requested proof of the debt. It is also noted that you state you never received a Notice of Default from Tesco Bank.* We enclose a copy of the original Credit Agreement, Statement of Account, Default Notice and the Notice of Assignment sent to you when the outstanding debt was assigned to our client.
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Our client has made further enquires with Tesco Bank who have confirmed that you never raised any disputes on the account and Gregory Pennington were an authorised third party on the account.*
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Our client is satisfied that the outstanding balance remains due and owing by you and that should the matter proceed further it would be successful at the hearing.
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Settlement proposal
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Our client will consider a sensible settlement proposal to avoid the expense of further litigation and therefore potential costs and fees being added to your debt.
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Please call 0113 335 3343 or email*ComplexTeam@lowellsolicitors.co.uk*to propose your settlement. If this is the first time you have emailed us, you will be asked for security information to verify that you are the account holder.
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We will review your proposed payment plan or one-off payment in order to reach an agreed settlement.
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If we do not receive your settlement proposal*within 10 days, we are instructed to:
*
You may wish to obtain your own independent legal advice.
*
Kind regards
*
so I sent my mediation forms back and I've just received an email (ive never received an email* before) from Lowell's. They have now provided evidence of the debt so that do I do? Try to settle? Provide a budget and possible payment plan even though at the moment I cannot pay anything, I'm a plasterer by trade and people don't want me in their houses and when they do, I can't get hold of materials, when I'm working it may only be around £20 a month and they wouldn't accept that last time over the phone.
Any advice would be much appreciated*
Dear Mr ....
*
Our Client: Lowell Portfolio I Limited
Claim Number: *********
Lowell Reference Number: ***********
*
WITHOUT PREJUDICE SAVE AS TO COSTS
*
My name is Lorianne, I am the case handler for the claim issued against you for a former Tesco Bank Personal Loan account in the sum of £1,599.03 plus interest, costs and fees totalling £1,860.43.
*
I am in receipt of your Defence and I have reviewed the same in full. I note that you state our client’s Claim does not provide you with enough information for you to consider your position and you have requested proof of the debt. It is also noted that you state you never received a Notice of Default from Tesco Bank.* We enclose a copy of the original Credit Agreement, Statement of Account, Default Notice and the Notice of Assignment sent to you when the outstanding debt was assigned to our client.
*
Our client has made further enquires with Tesco Bank who have confirmed that you never raised any disputes on the account and Gregory Pennington were an authorised third party on the account.*
*
Our client is satisfied that the outstanding balance remains due and owing by you and that should the matter proceed further it would be successful at the hearing.
*
Settlement proposal
*
Our client will consider a sensible settlement proposal to avoid the expense of further litigation and therefore potential costs and fees being added to your debt.
*
Please call 0113 335 3343 or email*ComplexTeam@lowellsolicitors.co.uk*to propose your settlement. If this is the first time you have emailed us, you will be asked for security information to verify that you are the account holder.
*
We will review your proposed payment plan or one-off payment in order to reach an agreed settlement.
*
If we do not receive your settlement proposal*within 10 days, we are instructed to:
*
- ask the Court to strike out your Defence;
- seek to recover the full amount of this debt;
- instruct an advocate to recover all costs from you if your case proceeds to a hearing. The advocate will also produce this letter in Court to evidence any wasted costs we have incurred. These are costs which could have been avoided if you had proposed an agreed settlement in order to conclude this matter at an earlier stage.
You may wish to obtain your own independent legal advice.
*
Kind regards
*
| Lorianne Joseph | |
| Complex Litigation Paralegal | |
| Lowell Solicitors Limited |
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