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Hi fellow LB members.
I had a utility debt with EON, who have now sold the debt to Lowell Portfolio i Ltd, who have commissioned Lowell Financial Ltd to get the money from me.
Lowell recently sent a letter informing me that they are considering using a CCJ against me. In the past they included a letter (with one of their letters) from EON confirming the sale of the debt to Lowell Portfolio i Ltd.
The debt is Under £200.
I have emailed a 1st Notice to the Company Director of Lowell Portfolio, and another 1st Notice to Lowell Financial, asking him to prove contract. The Notices include the following ::
In order to properly validate the alleged debt, we require [Name of company director] to provide:
This is what I assume so far ::
1. I don't have to give anyone my 'date of birth' to serve someone with a notice, and I assume this is an attempt to contract with me.
2. I will inform them that I am not their 'customer', as this is another attempt to trick me into contracting with them.
I guess my question is ::
Q :: What do they need (evidence) to win a CCJ against me?
Any advice would be most welcome.
Thank you
PS: I appeciate that there are some other 'Lowell' threads ( https://legalbeagles.info/forums/for...s-to-avoid-ccj ), but I thought I should keep mine seperate as my circumstances may differ from the other users. EON did supply my utilities, I contracted with them electronically (online) to use their services. However, Admins, please merge thread if you think necessary.
I had a utility debt with EON, who have now sold the debt to Lowell Portfolio i Ltd, who have commissioned Lowell Financial Ltd to get the money from me.
Lowell recently sent a letter informing me that they are considering using a CCJ against me. In the past they included a letter (with one of their letters) from EON confirming the sale of the debt to Lowell Portfolio i Ltd.
The debt is Under £200.
I have emailed a 1st Notice to the Company Director of Lowell Portfolio, and another 1st Notice to Lowell Financial, asking him to prove contract. The Notices include the following ::
In order to properly validate the alleged debt, we require [Name of company director] to provide:
- A valid contract signed in wet ink by both parties, confirming bilateral consent.
- A true and certified copy of the complete audit trail of said account including said loss.
- Audit certification of debt entry in accordance with Generally Accepted Accounting Practice (G.A.A.P.), International Financial Reporting Standards (I.F.R.S.), the Basel III accord, and the United Nations Commission on International Trade Law (UNCITRAL) conventions.
- A copy of your Tax Registration certificate.
This is what I assume so far ::
1. I don't have to give anyone my 'date of birth' to serve someone with a notice, and I assume this is an attempt to contract with me.
2. I will inform them that I am not their 'customer', as this is another attempt to trick me into contracting with them.
I guess my question is ::
Q :: What do they need (evidence) to win a CCJ against me?
Any advice would be most welcome.
Thank you
PS: I appeciate that there are some other 'Lowell' threads ( https://legalbeagles.info/forums/for...s-to-avoid-ccj ), but I thought I should keep mine seperate as my circumstances may differ from the other users. EON did supply my utilities, I contracted with them electronically (online) to use their services. However, Admins, please merge thread if you think necessary.
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