Hello everyone,
I am new to this forum, I need some debt advice please.
I've been receiving letters from Lowell financial chasing me for two old debts for almost 4 months now.
They were threatening court action, so I finally responded .
One debt is for an old Tmobile account, (which I remember),
the other is from Shop direct (which I don't remember).
I sent them a statute barred letter the shop direct debt because I couldn't remember anything about the debt, I assumed it must be a very old debt seen as It doesn't appear on my credit file.
They have since responded to my letter saying I opened the account in 2004, last payment was in 2008.
Apparently I made a payment between 2009 and April 2013,
so based on the last payment of £10 in 2013
(which I don't remember)
they state that the debt is not statute barred.
The letter also states that a CCJ was issued against me in MAY 2014,
with the terms to pay £50 per month (again I had no clue there was a CCJ) which is now in arrears.
I need some advice for the best way to proceed please.
I am now stuck,
do I have any more leg to stand on, or do I just go ahead and make payment arrangement with them?.
The total debt they claim for shop direct is £1180.23, I can't afford this now, I'm already struggling financially and paying other debts.
Please help, what do I do next?, I don't want another CCJ or bailiffs at my door.
Thanks in advance for your time.
Jo x