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Hello good afternoon
I hope I am adding this on the right threat. But I am wondering if I could have some assistance.
In yesterday received a letter from overdoses solicitors that Lowell have instructed on a catalogue I had back in 2015. I believed I paid off the catalogue in around 2017/18 and 6 months ago I had a letter from Lowell saying I owed over £3000. The company they said I owed money to was JD Williams and I had never heard of them, I did ignore that letter and then a few months later I had a court letter regarding mediation that I sent back and wrote on there I requested more information as I had never heard of the company. I also agreed to mediation. I then a while after that had an email for mediation which I had on the 3rd of July. It transpired that JD Williams was the company for the original Fashion world account I had. I told them on mediation I believed I paid it off and that I never had a credit amount of over £500 so I don’t know why I am being chased for over £3000. In medication I asked for the credit agreement and proof, they couldn’t provide it there and then and mediation couldn’t go any more forward and then yesterday I got a letter from the solicitor with with documents included as
1: reconstituted agreement
2: proof of defaul notice (which is only a screen shot of an excel spread sheet just saying default)
3: transactional statement.
the statement is 6 pages long and I really didn’t order much from the catalogue but there is a lot on it and doesn’t even have my name on it.
it says our client remains confident that you are liable for the full amount claimed on X amount and we await the court directions.
apparently the default notice was sent May 2019. I had moved out of the address in August 2018 and from memory I paid it off which was just over £500, so I have no idea why it’s this much as I am confident my credit limit was only £500. It doesn’t even say on the reconstituted agreement how much the limit was.
if I go to court I can’t prove I paid this as it was so long ago. I don’t work as I look after my disabled son, and if I paid £10 a month coz that’s all I could do then I will be paying this for 30 years. But I am really questioning this because I feel I don’t have a leg to stand on because I don’t know how to defend myself for something that’s over 5 years old and I forgot I even had until Lowell contacted me.
again I’m sorry if this is on the wrong thread but I really don’t know what to do. Can anyone advise xx
thanks for your time
I hope I am adding this on the right threat. But I am wondering if I could have some assistance.
In yesterday received a letter from overdoses solicitors that Lowell have instructed on a catalogue I had back in 2015. I believed I paid off the catalogue in around 2017/18 and 6 months ago I had a letter from Lowell saying I owed over £3000. The company they said I owed money to was JD Williams and I had never heard of them, I did ignore that letter and then a few months later I had a court letter regarding mediation that I sent back and wrote on there I requested more information as I had never heard of the company. I also agreed to mediation. I then a while after that had an email for mediation which I had on the 3rd of July. It transpired that JD Williams was the company for the original Fashion world account I had. I told them on mediation I believed I paid it off and that I never had a credit amount of over £500 so I don’t know why I am being chased for over £3000. In medication I asked for the credit agreement and proof, they couldn’t provide it there and then and mediation couldn’t go any more forward and then yesterday I got a letter from the solicitor with with documents included as
1: reconstituted agreement
2: proof of defaul notice (which is only a screen shot of an excel spread sheet just saying default)
3: transactional statement.
the statement is 6 pages long and I really didn’t order much from the catalogue but there is a lot on it and doesn’t even have my name on it.
it says our client remains confident that you are liable for the full amount claimed on X amount and we await the court directions.
apparently the default notice was sent May 2019. I had moved out of the address in August 2018 and from memory I paid it off which was just over £500, so I have no idea why it’s this much as I am confident my credit limit was only £500. It doesn’t even say on the reconstituted agreement how much the limit was.
if I go to court I can’t prove I paid this as it was so long ago. I don’t work as I look after my disabled son, and if I paid £10 a month coz that’s all I could do then I will be paying this for 30 years. But I am really questioning this because I feel I don’t have a leg to stand on because I don’t know how to defend myself for something that’s over 5 years old and I forgot I even had until Lowell contacted me.
again I’m sorry if this is on the wrong thread but I really don’t know what to do. Can anyone advise xx
thanks for your time
