Sorry I don’t understand? In big red letters in top left hand of first page it says “you have 30 days to avoid a County court claim”.
and page 2, “ If you fail to make payment or respond to this letter as set out in the enclosed documents within 30 days of the date of this letter, we will issue a County Court Claim”
Once again I’m sorry for not understanding.
As for the debts
Capital one, entered agreement on 09/04/2019 terminated and assigned to Lowell on 16/12/2021. I have not spoken to or responded to Lowell about this debt at this point.
Studio Retail, entered agreement on 21/09/2020 terminated and assigned to Lowell on 30/05/2022. I have not spoken to or responded to Lowell about this debt at this point.
Many thanks for responding