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Court Claim CCBC from Lowell for fashion world

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  • Court Claim CCBC from Lowell for fashion world

    Hi all,

    Been here once before for help but still not sure I'm posting this correctly...

    I received a court claim from CCBC on behalf of Lowell for a fashion world catalogue debt.

    Date of the court claim is 14th October and received it yesterday on 15th October 2020.

    Background:
    Account opened around 2013, no problems until end of 2016 beginning of 2017 (I believe)

    I began to find payments too high due to reduced income and other debts so started making a £50 payment every month just so I was paying something (never missed a payment).

    FW called me at some point and I explained and they agreed to continue the £50 payment plan with interest as they refused to freeze the interest (at the beginning).

    November 2017 mother passed away and I made that months payment 1-3 days late as I was arranging EVERYTHING.

    Fashion World passed the account to Lowell without notice (sold I think).
    I called and kicked off, I was fuming. They ignored my circumstances at the time and said call Lowell as they are dealing with it now. I informed them that I would continue to pay them as I made the agreement with them NOT Lowell.

    For a few months I continued to pay FW as I refused to deal with Lowell and they passed the money onto to Lowell.

    Then they closed my online account so I couldnt make payments so I called them and they told me to stop paying FW and pay Lowell as they had to pass the money over to Lowell every month which was annoying them.

    I then started making bank transfers to FW. They continued to pass the money over for a month or two then I realised that the balance on my credit report was no longer decreasing. Then I stopped making payments altogether.

    I have never made contact with Lowell but they did send letters (regularly at first then every now and then). I assume they have called but never answered.

    Lowell claim I owe £882 but I know that at least £100 was not reduced from the balance (exact amount is being checked).

    My grievance was with FW really but refused to bend and now this.

    Should I make contact with Lowell or do I need to respond to the court claim?

    Should I defend or not?

    Advice please... not sure what to do AT ALL!

    I was going to continue to ignore but seen on other posts that this is a bad idea.

    Thanks in advance for any suggestions And sorry so long winded...
    Tags: None

  • #2
    Pre-Action Letters
    First Steps
    Check dates

    Acknowledge Claim
    CCA Request

    Comment


    • #3
      did lowells send letter before claim? ignore post 2 above

      Comment


      • #4
        make a file and keep all info in date form keep a diary of events for your own record, sounds they are trying to do a lowell walk over,m

        Comment


        • #5
          Celestine

          Comment

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