Never heard from Lowell since my SB letter. should they have confirmed receipt of my letter and confirmed when my last payment was? On separate debt, the last payment was Sept 2023, should I send them a SB letter or request CCA? I sent the previous collector CCA in Sept 2017 but they never sent me one.

Letters are on the way. Thanks

Lowell sent me a letter telling me that they acquired hoist finance and are now managing couple of my debts from 2003, defaulted around 2005. I was in token payment with Eurodebt until 2013. With help from this site, I sent CCA request to both DCA which they failed to produce. Then they sold the debt to Robinson Way and then to Hoist and now to Lowell. The last payment was probably around the end of 2013. Now I get at least a text message from Lowell every day and a letter through the post once every forthnight. I am pretty sure this debt is statute-barred. How should I handle this or should I ignore it completely? One thing I don't want is to go to court as I recently lost a case. Thank you.

Does that mean I need to pay in full to avoid CCJ on credit file? No other payment plan will avoid it?

Unfortunately I have lost the case. Judge didn’t think original default notice was required to prove the debt. I now want to avoid CCJ. I already told the court that I won’t be able to pay the lump sum and will offer to pay £100 a month to which claimaint solicitor said will discuss with his client. what’s the best way to approach claimant to set this up so the judgement is not visible in my credit file? is Tomlin order the best way? How do I set this up? Is it done through the court or just between the two party? I don’t have much time as I am away from work next week for 3 weeks so ideally I want to set this up before I go. Thank you.

UPDATE: Sincere apologies for being so late. I have been in and out of the hospital and did not have much time to post. My previous hearing got canceled and the new hearing is tomorrow. The claimant sent me their statement of cost. Does it look ok? Appreciate your feedback. I will update the outcome tomorrow and please wish me luck. Thank you all for your time. Really appreciate it. claimaint fee.pdf

Received another email from their solicitor. They recon they don’t have to provide original default notice. Please see attached. Scan 28 Sep 2022.pdf

Received 118 pages, nothing new. Default notice is still screenshot. their letter says I am not allowed to share redacted deed of assignment which are all statement entry from 2003/2004. there are several page of this. They have also included several pages of terms and conditions. majority of these documents are on post #31 to 44. please advise. CDocs.pdf

Claimant solicitor just now emailed me their documents after receiving mine. They are almost two weeks late.

I have emailed them. Should I call them?

Apologies, I mostly travel away for work, I was away and only arrived this weekend to find the NOA. I am away again next week and won’t be around on the 4th for hearing.

NOA Dated 16th August.

Do I tell the court now or at the time of hearing? Do I still submit my document by the 27th?

UPDATE: Claim has now been allocated to the small claims track. Hearing due 4th October. In reference to the attached, "case management" paragraph (11) I haven't received any communication/document from the claimant by the mentioned date, 13th Sept. Do I still submit my documents by 27th. I will be away on the hearing date, 4th October, can I request court to postponed the hearing? As always, really appreciate your help. Thank you. Small Claim Court.pdf

Yes Andy, I am glad their application has been rejected, thanks to you all for great help. What will be the next procedure? Just wait for the hearing date from court? Will I get copies of any extra exhibit (if any) from the claimant before the hearing?