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Hi , wonder if anyone can help, Lowells are threatening legal action , i.e having assessed our options, we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan. Some background phone and iPads taken out on contract in early 2012, payments dropped off late dec 2012 due to losing job, then had a major accident in early 2013 , was off immobilised/unable to walk for 11 months, in the meantime I offered and was paying orange £10 per month, which by 2014 had stopped, no money, yep buried head in sand, just before christmas 2016 , had the letter that lowells had bought the debt ...they have sent various letters over the last 10 weeks , the last one being i.e having assessed our options, we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan. Any ideas on how to move forward. ..also the sum is quite large around the 2k mark. ..I acknowledge i owe , but not that much... I do not have that kind of money. ..nowhere near.. .can anyone suggest best way forward... don't want a cjj , was thinking of offering a payment of £5 per month, but want a breakdown of charges...
