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Hi there,
On 18 February I received a claims issued by Lowell Solicitors Ltd.
I followed the guidance found on your forum, I acknowledged the claim and defended all; after that I sent to them two letters(CCA and CPR) to request docs as you explain in one of your post. Letter has been sent on 19th February.
On 12th March I received from them three letters, all together, nearly the same text. On the back of three letters, they attached, kind of default notice, which according to them was sent to me at 24th April 2015, which again is a little awkward, because looks like the created the letter on site: there is no head details, and the signature is paste with a name of someone from Vanquish. Secondly they putted a second letter , again looks like last minute creation, from Lowell Portofolio Ltd, where I'm informed that they bought the outstanding debt of £3,831.54 from Vanquish.
My questions, because the deadline for my defend is close(I think is 16th of March if I've calculated right), is: how should I defend online this claim? What will be the next move after I fill on money claims my defend?
Let me add another two details: I went into default with payments for credit cards, due to unfortunate event where I was under investigation by constabulary police under the bail conditions for two years and a half, with no further charges in the end, and close of investigation(between February 2013 and July 2015). After that I went into deep depression, and pain of my C2 spine vertebrae(I had a previous car accident with broken neck-C2 vertebrae confirmed on CT scan). Of course, my solicitor struggled to get me on track, but no chance, and I couldn't find any jobs.Question: shall I mentioned those two details in my defend?
Thank you.
On 18 February I received a claims issued by Lowell Solicitors Ltd.
I followed the guidance found on your forum, I acknowledged the claim and defended all; after that I sent to them two letters(CCA and CPR) to request docs as you explain in one of your post. Letter has been sent on 19th February.
On 12th March I received from them three letters, all together, nearly the same text. On the back of three letters, they attached, kind of default notice, which according to them was sent to me at 24th April 2015, which again is a little awkward, because looks like the created the letter on site: there is no head details, and the signature is paste with a name of someone from Vanquish. Secondly they putted a second letter , again looks like last minute creation, from Lowell Portofolio Ltd, where I'm informed that they bought the outstanding debt of £3,831.54 from Vanquish.
My questions, because the deadline for my defend is close(I think is 16th of March if I've calculated right), is: how should I defend online this claim? What will be the next move after I fill on money claims my defend?
Let me add another two details: I went into default with payments for credit cards, due to unfortunate event where I was under investigation by constabulary police under the bail conditions for two years and a half, with no further charges in the end, and close of investigation(between February 2013 and July 2015). After that I went into deep depression, and pain of my C2 spine vertebrae(I had a previous car accident with broken neck-C2 vertebrae confirmed on CT scan). Of course, my solicitor struggled to get me on track, but no chance, and I couldn't find any jobs.Question: shall I mentioned those two details in my defend?
Thank you.
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