HI Urgent help needed.

[JSA]

Hi Thank you for accepting me.

I have an emergency regarding a debt I with a catalogue company sold to lowells. I'm not sure I have enough time for anyone to help. My court filing time runs out on Monday at 4pm.
I have overdales solicitors defending Lowell's.
I have requested paperwork from them and they have sent me all the paperwork.
Now I have no idea if it's correct or incorrect or even what to write for a defence.
I'm pretty much desperate for help.
Appreciate greatly any help.
Thank you

[Celestine]

Hi and welcome. When you say filing date, do you mean for a defence?
Give us a little more information so we can help.

[MIKE770]

Example Defence

[MIKE770]

more detail as well needed i.e:- taken out/default date/ last payment/ etc etc

[JSA]

Hi yes defence date by 4pm Monday.
The debt is for a catalogue. Last payment date was Nov 2019.
These are the particulars of claim sent to me by the solicitors on the court form -

.The claim is for the sum of £5734.20 due by the Defendant under an agreement regulated by the Consumer Credit Act 1974 for a shop direct account with an account reference of xxxxxxx
2.The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1) of the consumer credit act 1974 which has not been complied with.
3.The debt was legally assigned to the claimant on 29-06-20. notice of which has been given to the defendant.
4.The claim statuary interest under S.69 of the county courts act 1984 at a rate of 8% per annum form the date of assignment to the date of issue of these proceedings in the sum of £458.74.
The claimant claims the sum of £6192.94

I did send them a CPR 31:14 and they have sent me the paperwork back, with all the transactions showing on the statement and 1 letter from the catalogue saying its been assigned to Lowells and another from Lowells saying they bought the debt.

Thank you just very stressed as I do not have the ability to pay these people at the moment time.

[MIKE770]

Date account taken out?

[JSA]

On the credit agreement it says 30 -06-2015 unfortunately I don't know if this is accurate or not. but it sounds about right.

[JSA]

I can upload all the documents a bit later if it will help?

[MIKE770]

On-line opened? No doubt.

[JSA]

yes opened online. signed with a tick box

[MIKE770]

Ok tnks

[MIKE770]

Well next move is which way you want to go?? Admit claim or fight it ?? If you are sure they have satifsied documents etc then it's up to you to go which way you want? Agree and come to agreement to what is affordable #consent order or other???

@Celestine

[JSA]

I'm really not sure. I was under the impression they just purchased the debt and paid pennies for it from the catalogue and the catalogue company has already had the payout from the insurer? I know I owe the money to the catalogue company not to lowells. but if everyone has already been paid out why do i need to pay lowells. To them its just making money from people like me in difficult situations. But I don't know if that matters in a court.

[MIKE770]

debt purchasers buy for pennies in the pound then chase for the remainder outstanding owed that is how they make a vast profit _ the dirty money system, insurance pays originator, but nothing to do with the public, alledged debt still owed, companies get lazy and sell to others to profit by that is the system (wrong as many know) but money in this country overtakes common sense.

[MIKE770]

lowells purchase under to so called law of property 1925 - debt sold becomes property of lowells who will try and get all the profit from your situation. legal it is - terrible law