Hi All, Thank's for taking the time to read this. I know there's tons of information out there regarding such matters - and after much research, I think have a pretty good grasp of what needs to follow, but I'd really appreciate your advise or any input you have! The low down: 2012, low point in my life, lots of debt (I know, I've had my spanking). I have a perfect history for over 5 years now - so it's essential I avoid a CCJ at any cost! The debt was a current account / overdraft. It was defaulted in late 2012, on my credit report, it's showing settled with the bank in mid 2015, and the debt now falls under a new section under the name Lowell, with a default status as the same 2012 date. I have not made any contact, nor payments before the default was even issued. Ok, so first of all the claim form: ------------------------------------------------ Name of Claimant: Lowell Portfolio Date of Issue: 18/12/2017 Address for Sending Docs & payments: Lowell Solicitors PO Box Particulars of Claim: Author Document Debt assigned on XX/XX/15 by XXXXXXX Banking Group, and the claimant claims: 1. XXXX 2. Statutory interest pursuant to section 69 of the county courts act (1984) at a rate of 8.000%...... etc Ref: xxxxxxxxxxxxx ------------------------------------------------------------- I've purposely masked dates and figures, but if I've gone too far, let me know, and I'll fill in some of the blanks. Point 1 - is just a single figure, of lets say 3500. Point 2, Mentions the "banking group", but not the actual bank I was with, which is under a completely different name. That's it, nothing more. As you can see, they have been incredibly vague with the POC - this makes me think they know very little about the debt, and it's just a long shot on their part. Ok, so - generally, my plan of action is: 1) Sign into MCO and acknowledge (DONE) 2) Send A CPR 31.14,current account version (I'm not sure they even know it's a current account!) to Lowell solicitors PO Box 3) With the information I receive back - write up a defence. 4) If nothing is received back - Write up my defence, which will include failure to provide info specific to CPR and argue their claim is far too vague. I'm having trouble with the 31.14 - as in examples, you request the documents that are relevant / specified in the POC. But there's no mention of any, no agreements, letters, warning, default notices etc etc - it's so vague, I'm not exactly sure what I should be asking for! I would be so grateful for any advice/input on this! I also apologise as this turned into more waffle than I anticipated! Thank you! P

Hello I wonder if someone could offer me some advice. I received a letter from lowel Solicitors headed: Notice of Acting. They asking me to pay an old Orange debt. 1- Should I ignore the letter? I haven't speak to them so far and always ignore them. 2- If there was no payment at all which date SB will be calculated from? 3- If the contract made in Scotland, SB referred to Scotland or the place you are living now? Thanks in advance

Hey, Got a bit of a strange one here - I have today received a green letter from Lowell Solicitors saying that I have not paid the £50 instalment on a CCJ they have obtained on a VERY old Orange mobile phone account. This is the first letter I have ever received about this naturally, it made me check my credit file where low and behold - a CCJ has been placed under my old address (not lived there in almost 7 years). This letter says that I have got until the 11th December to make the £50 payment or they will recommend enforcement action. My issues are as follows. 1) This is the first thing that I have heard about this (genuinely) and did have an old Orange account at my old address back in 2008 after falling on hard times. No payments have been made on that account since we moved in Feb 2011 and I have not knowledged anything. 2) The CCJ which was obtained in Oct 2017 is under my old address so does that mean that any papers I would have needed to see for challenging etc have gone to that address? 3) Can a CCJ be obtained and enforced on a statute barred debt? Hopefully, someone can help me out here and give me some advice. Cheers Scott

Hi All Lowells have just offered me 50% off a £5k debt on an overdraft from 5yrs ago. I have a letter and also on their system it shows the 50%. I can pay either in full or in part by Direct debit. Are overdrafts harder to defend due to not needing a CCA? Or os the opposite true and it's harder for them to go to court with? They say this won't remove the full debt from my file. This is what they say: Note: If this account is on your credit file and you opt to pay the 'Discounted Balance' your credit file will be updated to show as 'Partially Satisfied' once your payment plan is successfully completed. If you choose to pay the Full Balance your credit file will be updated to show as 'Satisfied'. It may take up to 50 days for your credit file to be updated. If you do not maintain your payment plan, your discount will be removed. I am leaning toward accepting this if I can pay by DD in affordable amounts and with no interest. However, if I pay by DD it seems open to Lowell changing the terms mid way through. Am I correct in this concern? Based on reading here, most cases are mainly based on F&F payments not DD, but I assume I need to write letters and get it in writing that they confirm if I start payments via DD then it will be full and final "settled" on my credit file when the debt is repaid? Any other advice before I enter into communication on this? Lowell had 2 debts of mine from this bank. One CC and one overdraft. The CC has been cancelled due to no CCA. I actually had a loan from the same bank which was meant to consolidate the overdraft and CC. The bank gave me the loan based on them cancelling the CC and overdraft. They said it was a requirement for approval of the loan from the underwriter. They did neither and I crept back into debt with both. Thanks again all. D

Hi All, I have been contacted by a company called Cohen Cramer regarding an alledged debt for a mobile phone bill with Orange back from 2013. I do not recall having a mobile phone from that period, although I did have a mobile internet dongle thing which I believe was on a one month rolling contract. I really wanted to know what I should send them in order to find out more information. I am aware that mobile phone contracts are not covered by the CCA, so is there a template for a letter I can send, and also what documentation will they legally need to be in possession of in order to win if they decide to take this to the county court. Appreciate your help in advance! Thanks!

I have received a County Court claim form for Lowell Portfolio 1 Ltd for an old BT debt 10 years + for £290 incl. fees and costs Can anyone point me in the right direction to a Defence Template I can use I have already requested further information from Lowell as I do not acknowledge the debt as it is so old and have since had other accounts with BT over the years but yet to receive a reply I have till the 13th Dec to submit my defence Thank you

Hi, I received a call earlier today from Lowell group in regards to an old o2 debt around £900.00 in total. I disputed the debt was then told the court had proved in 2013 I owe the debt which Lowell group purchased from o2. I told Lowell I would not be paying a penny I asked that all future correspondence is stopped, Lowell said my mobile phone calls will stop I will Start receiving letters as I am responsible for the debt I told him not to make any contact at all but Lowell did not listen he said a ccj was given against me and it was proved in court in 2013 I need to pay the debt. After a long chat I decided to telephone o2 and ask for any previous accounts that may have ended up in arrears. After a thorough check with my details and address the o2 representive said I have no outstanding debts on previous accounts and nothing is showing up as being sold to a debt collection company. I was advised to ignore Lowell group I wanted the o2 rep to do one more final check which showed up a business pay monthly account in arrears. Which matched my first and last name I have never held a business pay monthly with any mobile provider the o2 rep said not to worry it could be someone has used my details or they are mistaking me for somebody with same date of birth and name but as far as the o2 rep was concerned I do not owe o2 any money and no account in my name is showing up in arrears besides the business account I was told to ignore the debt collector's Lowell group. I wanted to ask should I ignore as advised or can I take some action which will get Lowell group of my case? I apologise if I've posted in the wrong section. I also have recorded both calls. Thanks in advance to any help and advice received I appreciate it.

Hi I'm a new user and would like some advice as to what to do with the the claim form Issue date from County Court Business Centre 27 Nov 2017 received through my door on the 29th Nov 2017 Particulars of Claim The Claimant's Claim is for the sum of £931.55 The Defendant entered into an agreement O2 (UK) Ltd under account reference xxxxxxx The Defendant failed to maintain the required payment and the service was terminated. The Agreement was later assigned to the Claimant on 28/03/2013 and notice given to the Defendant Despite repeated requests for payment, the sum of £862.55 remains due and outstanding. And the Claimant claims The said sum of £862.55 interest pursuant to section 69 of the County Courts Act 1984 at a rate of 8.00% per annum from the date of assignment of the agreement to the date of issue (28/03/2013) accruing at a daily rate of 0.189 but limited to one year, being £69.00 Plus Costs I ran my own business that went under thanks to woolworths owing mr £170k, a whole host of debts had been mounted up, I'm not sure of the exact date of the agreement with O2, I defaulted around Nov/Dec 2008. I went through a bad break up at this time, became depressed and swept everything under the carpet. I may have received letters from O2 but not sure. I went for the option that if i didn't acknowledge any letters then it would eventually become statute barred. I've never acknowledged any letters from Lowell's. And now this turns up on my door step!! I thought this would've come under statute barred Can anybody advise me what to do please? Many thanks irp

Hi Hoping for some advice here. Held a BT account for a few years at a previous address. I left the address back in 09/2013 and notified BT to cancel the account via phone. I was a couple of months in arrears at the time and was told that a final bill would be sent. I never received anything after that, and to be fair (much to my stupidity), I didn't chase them. here we are a few years later I now have now Lowell chasing me for a total sum of £700+ at my current address. I have ignored them so far and they have offered discounts of up to 30% but now are moving onto the typical threatening tactics to pass onto solicitors for court action. Aware that I am unable to CCA request them since it's a telecoms contract I did an SAR to BT for info on the account. I have received the SAR back from BT but it is very scarce to say the least. I have an account statement and screen notes from their customer service system and thats it! There are no copies of any correspondence for any bills, final bills, demands, default notices or information regarding passing onto a DCA. Also there is no information regarding my contact to cancel the reason why the bill has gone so high is because they continued to bill me for nearly a year after it should of been cancelled! I estimate the final bill should of been around £250 Last payment on account 06/2013 Moved out 09/2013 BT terminated account 07/2014 DCA has registered default on credit file for 02/2015 Im considering 2 options here, just wanted to get peoples thoughts or perhaps an alternative approach? 1) Offer to settle with DCA at a discount on the basis that default date is changed to reflect when the account "should?" of put into default (i.e. change from 02/2015 to end of 2013) 2) Open dispute with BT stating that I don't have all the info in the SAR and state the account should of been closed back in 2013, offering them to pay the full balance at the time I moved. Would they consider purchasing back from the DCA in this case if I agree to settle with them? Would also send a letter to Lowell stating the account is in dispute with the original creditor so they cease any activity for a couple of months. Ultimately I would like to settle but have the default either removed or date changed to 2013. What do you all think? Sorry I know its a lot of blurb, appreciate any suggestions and happy to answer any questions Cheers

Hi Guys, Very new to this, so any help is very much appreciated. I have received a Claim Form for Lowell Portfolio 1 LTD from Northampton county court business centre, for an alleged outstanding BT broadband debt of £290.00 from 5 years ago. There was a a dispute with BT regarding broadband, not providing the service and speeds offered, but their charges continued unnoticed. I am not sure the best way to respond to this. I have further information, but not sure what is relevant/needed. Thank you in advance for any help!!

HI My partner has just received a county court claim form in respect of an old Talk Talk account. He terminated his agreement with Talk Talk as he was moving home and no longer required the service. Talk Talk then advised he would be charged for the remainder of his contract. My partner disputed this and has not paid. The initial required payment was around £150 and this has now escalated to £242.70 since Lowell took over in January 2017. The claim form states that *the defendant failed to maintain required payments and the service was terminated* This is incorrect as he contacted Talk Talk to advise he was no longer living at the property and no longer required a service, meaning he terminated the service. The total on the claim form is now £336.05. The last letter he received prior to this was on August 11th 2017 offering a reduced payment by 40%. I would just like some advice about this. Does he need to accept the claim and pay the full amount or is he able to dispute the hefty amount?

Hi My son has recently applied for a mortgage and has been turned down due to a default on his file which originally was Shop Direct which then defaulted and was sold to Lowell. The amount was £371 and was paid off in full to Lowell in Oct 2013. It is due to drop off his file in August 18. I am trying to help him get this removed because I have read somewhere that usually if debts like these are passed to Lowell they are in some way unenforceable by the legal route. Can anyone tell me who would I SAR so I can start digging to see if I can find anything and what would I look for? Cant find any old paperwork even relating to this account but I have some emails relating to Lowell. I have had dealings myself with Lowells and they are currently chasing me for an old debt with Provident and I was wondering if I cant help my son with getting the default removed by finding something untoward, then do you think I could use my debt as a bargaining tool to either remove the default from his file or transfer it to my name. I would rather it be on my file for the next 9 months than his. I know this is underhand but I dont think they are exactly saintly themselves. Can anyone help with this please. Thankyou

‪Hi Guys. ‬ I received a letter from county Court which say “notice of warrant of control”. Creditor : Lowell portfolio Ltd Re: Lowell financial limited To the debtor : “ You have not made payments under the judgement as you were ordered. The creditor has therefore asked for a warrant to be issued to the bailiff to seize your goods. Unless you pay the amount due in county Court by 24th November. Total to pay (including fees) on this warrant £ 170.25 Balance outstanding (after payment on this warrant) £ 572.57” The problem is I haven’t received any letters from court or Lowell. I have no idea what this debt was for? I am not always on this address as well. How can I stop this warrant,obtain further details about this debt and defend this claim ? Any advice will be welcomed. Thanks ����

The advice i require is regarding Lowell Solictors for a Vanquis debt for £3000. After receiving the County Court paperwork i acknowledged the claim with the intention to defend and submitted a CCA request and CPR18 request on the 4 July 2017. I did not receive any of the information from the CPR18 request and the claim was then put forward for mediation but didn't progress any further due to me not having the information that i requested from Lowell. I then didn't hear anything from the courts until a few weeks ago when i then got a copy of a letter from my local court that they sent to Lowells requesting the information on the CPR18 and to provide it within 21 days or the claim will be struck out. To my horror Lowells have provided the courts with this information i have now got a letter from the court saying the following: It is ordered that 1. Unless by 4pm on 21 November 2017 the defendant is to send to the claimant and this court setting out an amended defence (if so advised) the court will consider the papers and may strike out the current defence and permit the claimant to seek judgement in default, 2. Pursuant to CPR3.3(5) this order has been made without a hearing being held. If you object to the order, you may make an application (with the appropriate fee) to have it set aside, varied or stayed within 7 days of receiving it. What does all this mean? Does it mean that the CCJ as good as stamped on my credit file? Any advice you can give would be much appreciated. Many thanks in advance Macker16

Hi All Newbie here, hoping someone can point me in the right direction please. Just over 10 years ago I lost my dad to dementia, just over 5 years ago sadly he died, unfortunately he wasn't insured or had any saving it was down to me to find the money for his funeral not having much money myself I had to rob Peter to pay Paul so too speak a lot of my own bills got missed in order to find the money needed. Long story short I ended up defaulting on my very catalogue account, they quickly sold it on to I think at the time it was Reston's, they gave up after a couple of letters then Moorcroft took over again gave up after a couple of letters then Lowell took over with letter after letter they even sent a 50% reduction letter at 1 point unfortunately I buried my head in the sand and hoped it would just go away as I was in a bad place at the time after suffering ill health myself, no excuse I know. Eventually this year I finally got myself together and started looking around the web to see if I could find some help after doing some reading on various sites it all pointed to sending lowell a CCA letter by post which I did, after approximately 6 weeks I got an email from a company called Lucas Credit Services Ltd I thought it was time to join a site and seek help properly, the letter says :- Dear xxxxx Our Ref: xxxxx Client Ref: xxxxx Outstanding Balance: £4,724.88 We refer to your recent contact with our client Lowell. We have attached herewith a copy of your Credit Agreement and Statement of Account as per your request. Please note your agreement has been terminated and the outstanding balance of your account stands at £4724.88. Please telephone this office on xxxx xxxxx on receipt of this email to discuss the matter further. If we do not hear from you within the next 7 days, we are instructed by our client to refer this matter to their solicitors, Cohen Cramer Ltd to commence legal action. We look forward to hearing from you. Your sincerely Attached to the email was a statement, an agreement and a blank agreement for some reason. I joined Experian yesterday to check my credit file on there it says I have 1 negative and it was Lowell that had recorded the default on the 26/02/2014 with a default balance of £4022 on the statement it says sold balance £4724.88. now I'm wondering what I have to do next as it says never ring these people. Hope this is enough information and that someone can help me please, thanks in advance clock

Good afternoon all, like to say big thanks for this forum reading through all the cases I have managed up until this point not to ask for advise..... I have been through letter receiving from Lowell, phones calls, sending CCA & CPR requests, creating my witness statement/defence etc (attached to this for background) I have my court date 21st November 7 Lowell have paid the allocation fee which I checked with the court today. This is for a debt with Aqua credit card around £1200 original debt. My question is....... .They have supplied my old credit card statements but I still haven't received the signed CCA agreement I have asked for or the default notice? Does that help me in court? They have even put on their defence they haven't got it but will continue to ask for it from the original creditors? Suppose what I am asking is without me receiving it then surely even if they did turn up with it at court then they can't enforce a CCJ? Could be wrong but wanted to gather some thoughts from other members? Anything else you need to know please let me know. Thanks

Hi guys, As always your advice is much appreciated. Lowell issued me a backdoor CCJ on 11.11.15 to my old address. However they were writing to me at my current address at that time regarding another debt. In fact they received our new address details on 17.09.15 and wrote to us on that date. Worth trying for a set aside?

Further to a cca request to Lowell, see my other post (do not know how to link posts) I have received the following: Dear Mr ******* your request for further information we refer to your recent request for further information regarding this account further to our letter dated 20th October 2017, please fine enclosed your returned fee of £1 in regards to your request for information under the consumer credit act 1974. at top of letter - its shows OC which was M&S store card it quotes the original account number and Lowell reference number and a BALANCE of £0 (was around 3K) I have no other letter, so not sure what they are referring to when they say 'further to our letter dated 20th Oct" It looks like a winner to me but shall i contact to see if there is another letter that i have not received, am thinking they may have sold it and that is why they show 0 balance thanks

Hi I took out a door step loan in 10/2010 due to my younger sister having a stroke I defaulted in the same year I have not paid or recognised this debt since in 2014 it was assigned to lowell who marked it on my credit file as a new debt. Today I received a letter saying despite previous letters I have not made an agreement they are giving me 30 days notice before court have included a load of paperwork for me to fill out about financial situation other debts and am I seeking debt help or who I plan to pay. They say that because they took over the debt in 2014 the six year rule started when the took over the debt. The original debt no-one appears on my credit file as it went statute barred either the end of 2016 or early 2017. How do I fight this if it comes to court

Claimant -Lowells Date of Claim...02 Oct 2017 What is the claim for – 1 the defendant opend a jd Williams reg consumer credit acc under refxxx on 18/03/2008 (the agreement) 2 in breach of agreement the defendant faled to maintain the required payments and the agreement was terminated. 3 the agreement was later assigned to the claimant on 20/12/2012 and written notice given to the defendant. 4 despite repeated requests for payment the sum of £1530.00 remains due and outstanding, and the claimant claimes a.the said sum of £1530.00 b. interest pursuant to s69 count courts cost act 1984 at the rate of 8% per annum from the date of assignment to the date of issue accruing at a daily rate of £0.335 but limited to one year, being £122.40 c costs What is the value of the claim? £1837.40 Is the claim for - a Bank Account (Overdraft) or credit card or loan or a ctalogue or mobile phone account? catalogue When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? no but not sure Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments?was made redundant What was the date of your last payment?4 or 5 years ago Was there a dispute with the original creditor that remains unresolved? yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes What you need to do now. we dont have any paper work for this and not sure were to start,i will be responding to claim and sending the sar ect out

Hi there, First of, any help or advice would be very much appreciated. my sister ended up getting into around £1300 worth of debt with orange due to her teenage daughter running up a very large phone bill in one month. My sister, I assume - has just ignore it all. I only found out yesterday due to her asking to lend money to resolve this. She received a county court claimform on the 27th September and a letter from Lowell's to state court proceedings would be the next option on the 2nd of October (after the claimform had already been submitted). Had I have known earlier I would have sent a CCA or SAR I think it is for her but now obviously things are a little more tricky. I told her to hold off doing anything until I had done some research (prior to this she offered them half but they refused). she totally ignored me because she's a royal pain and sent off the court letter saying she intends to only contest part of the claim. I imagine a few will be slapping their foreheads over this haha. what would you advise to do? She is also a new foster carer and has been informed if a CCJ does register against her she could lose her place as a fosterer. So obviously want to avoid the CCJ at all costs Thanks for reading!

Hi, I am knew here so I hope someone can assist. About a week ago I got a court claim (from Northampton) from Lowell Solicitors for a debt with Three mobile. Long story short, went through a nasty divorce, family mobile contract in my name, due to "hostilities" I stopped the contract, in the furore I forgot about it, thought ex had taken the contracts over. Lowell have sent the matter to court and was wondering what I should do next? I have sent in the acknowledgement of service and stated intend to defend in full, however would be grateful for some words of advice regarding what I should do next please. I have no income so this is a bit of a nightmare to me! Hope someone can advise. Thanks

Hi, Just looking for some advice please. I have been trying to get Lowell to prove a 'debt' to 02 that goes back to 2012.. the debt is for £181 and all they keep telling me is that it is for a phone contract. On Friday I received a letter form Lowell solicitors saying they now have the debt and that I need to talk to them about paying it. . today however I receive a very strongly worded "Letter of claim" letter with several pages for me to input all my details and reasons for why I have not paid. I emailed them and this is the reply I got back from them, I am just wondering if i do have to actually provide them with the details they are asking for? I have sent them the "Prove it" letter from this site via recorded delivery as well. Dear Sir or Madam, Please be advised that if this is the first email we have received from you, we require some information from you in accordance with the Data Protection Act 1998 so that we can conduct our security checks. Please confirm: Our reference number Full name Full address, including post code Full date of birth By replying to this email, you also confirm that you give authority for us to record this email address and correspond with you by this method. We are currently experiencing high volumes of emails. We aim to respond within 5 working days, once we have satisfied our security checks. Please note that until we receive the above information from you, we will not be able to deal with your correspondence. If you are responding to any contact that suggests that we may take further action against you within a specified time, please call us on the below number as we cannot guarantee that we will have seen your email before this action is taken. If you wish to speak with a member of our team, please telephone us between 8:00am and 8:00pm Monday to Friday or between 8:00am and 2:00pm Saturday on 0113 335 3334.

Hi I'm hoping for a bit of help. I received a court claim from BW Legal on behalf of Lowell who have bought an old debt from Vanquis. I foolishly misread some information and in attempting to acknowledge service on MCOL entered a defence. That said I have issued a CCA request and a CPR 31.14 request for the credit agreement, default notice, deed of assignment and terms of the agreement which were all referenced on the claim form. None of the above have been received and we are now well past the deadlines. I've received the directions questionaire and agreed to mediation, at the same time requested the above in advance to enable me to prepare. Since then I've received an offer from BW legal of a 20% discount valid for 14 days on the balance of circa £2000 but still no documents just a statement of account with all of my transactions. I've today received the mediation questionnaire from the court which asks me to confirm that I require no further documentation otherwise mediation is unsuitable. My questions I guess are whether my mistake with the defence means that my CCA and CPR requests don't need to be complied with? Also whether I should proceed with mediation if only to say I'm still without the documentation to review the claim? Or should I be doing something else entirely? Any advice would be much appreciated.

Name of the Claimant ? Lowell Portfolio 1 LTD Date of issue – 12 sep 2017 What is the claim for – 1) the defendant entered into an agreement with TalkTalk telecom limited under account ref* (the agreement). 2) the defendant failed to maintain the required payments and the service was terminated. 3) the agreement was later assigned to the claimant on 07/12/2016 and notice given to the defendant. 4) despite repeated requests for payment, the sum of £421.27 remains due and outstanding. And the claimant claims a) the said sum of £421.27 b) interest pursuant to s69 county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.092, but limited to one year, being £25.67 c) costs What is the value of the claim? 531.94 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? broadband, TV services When did you enter into the original agreement before or after 2007? go live date was 03/03/15 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned Were you aware the account had been assigned – did you receive a Notice of Assignment? no Did you receive a Default Notice from the original creditor? no Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? 1st month was paid. Contract was cancelled within first month of service as there many problems and the service didn't go live as stated, when it did there were still numerous problems, TalkTalk requested return of their property on 27 Apr 2015 and have not heard from them since. That is until Lowell's started sending letters both to mine and my ex's addresses. I moved on 31 Oct 15 to a new property. What was the date of your last payment? circa April may 15, I will have to check Was there a dispute with the original creditor that remains unresolved? not to my knowledge Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? no Hi there, as the title implies, I have received a claim form from Lowell's, I hope you can give me advice, I have not done anything as yet but realise I need to respond to the claim to avoid a judgement against me. Any advice on how to defend would be fantastic. cheers Dave