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Hi all, bit of help required. i've had a quick browse around and learnt some interesting tactics but no situation seems to be the same so I thought I'd seek some advice.
My old girl has been receiving letters off of Lowells for the past 3 years on and off, all claiming that an amount is owed to Vodafone. The debt is unknown to her and despite repeatedly writing to tell Lowell's this, asking for proof etc we have never had a reply other than more threatening letters. We have been ignoring the letters up to receiving a letter from Howard Cohen & Co that deviates from the usual "could" and "might" take you to court with the more definitive "will", giving 7 days to reply and the usual "pay now to avoid a CCJ" (which the letter makes looks like will be granted by simply not paying the "debt" but that's another battle for another time).
The part that has me worried is the reverse which states;
"Please consider this letter to be a Letter of Claim under the Practice Direction (Protocols) pursuant to the Civil Procedure rules......
In particular paragraph 4 which states..." and then spells out sections 4.1 and 4.2.
Now my question is, should I already be sending out a CPR request or doing anything else? There are no Particulars, no breakdown of amounts, no reference to whom they are acting on behalf of (Lowells or Vodafone?) or any associated court docs.
My mother has no interest in her credit report (house is all paid for, no interest in any financing or the such) so eventually suffering a CCJ would not be such a bad thing but we'd just like to make Howard Cohen & Co earn their crust!
My old girl has been receiving letters off of Lowells for the past 3 years on and off, all claiming that an amount is owed to Vodafone. The debt is unknown to her and despite repeatedly writing to tell Lowell's this, asking for proof etc we have never had a reply other than more threatening letters. We have been ignoring the letters up to receiving a letter from Howard Cohen & Co that deviates from the usual "could" and "might" take you to court with the more definitive "will", giving 7 days to reply and the usual "pay now to avoid a CCJ" (which the letter makes looks like will be granted by simply not paying the "debt" but that's another battle for another time).
The part that has me worried is the reverse which states;
"Please consider this letter to be a Letter of Claim under the Practice Direction (Protocols) pursuant to the Civil Procedure rules......
In particular paragraph 4 which states..." and then spells out sections 4.1 and 4.2.
Now my question is, should I already be sending out a CPR request or doing anything else? There are no Particulars, no breakdown of amounts, no reference to whom they are acting on behalf of (Lowells or Vodafone?) or any associated court docs.
My mother has no interest in her credit report (house is all paid for, no interest in any financing or the such) so eventually suffering a CCJ would not be such a bad thing but we'd just like to make Howard Cohen & Co earn their crust!
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