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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...
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...
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