Carter/lowells - court claim for old Aqua card debt

[hohohoxmas]

Hi I had a credit card with aqua which went to Lowell Financial Limited.

 

This then went to a company called Fredricksons.

 

I had a letter from BRYAN CARTER SOLS on 19 jul saying i needed to contact Fredricksons within 14 days (which I didnt)

 

now received letter dated 9th august which says

" we have been instructed by fredrickson international limited on behalf of lowell financial ltd to issue court proceedings on 23 august 2013

if payment of this debt is not received by us by that date"

 

Question is what do I do??

I have never written or spoken to any of these companies.

 

thanks in advance for any help

 

***Forget to say on letter dated 19th jul.. it says our client lowells, then asked by fredricksons to contact and on bryan carter headed paper ??? very confused..

Edited August 13, 2013 by hohohoxmas

[hohohoxmas]

Hi I had a credit card with aqua which went to Lowell Financial Limited. This then went to a company called Fredricksons.

I had a letter from BRYAN CARTER SOLS on 19 jul saying i needed to contact Fredricksons within 14 days (which I didnt)

 

now received letter dated 9th august which says " we have been instructed by fredrickson international limited on behalf of lowell financial ltd to issue court proceedings on 23 august 2013 if payment of this debt is not received by us by that date"

 

Question is what do I do??

I have never written or spoken to any of these companies.

 

thanks in advance for any help

 

***Forget to say on letter dated 19th jul.. it says our client lowells, then asked by fredricksons to contact and on bryan carter headed paper ??? very confused..

[hohohoxmas]

any chance someone could give me some advice with regards to this ??

[renegadeimp]

bryan acts on behalf of others. As soon as a defence is filed ( he doesnt care what the claim is for), he runs off and leaves the creditor to pick up the pieces.

 

You say it is for a credit card. When did you last make a payment to the debt, and acknowledge it in writing?

[hohohoxmas]

i last made a payment on this about 4 years ago. It may be even 5 years ago but I would have to back track and check. used to have it on a dd but cancelled when they wouldn't stop my ppi and were overcharging me even though i had a dd in place.

[dx100uk]

so did you get court papers?

 

dx

[hohohoxmas]

Well had court papers from bryan carter.

Issued 17/oct

+ 5 days = 22nd Oct + 14 days = 5th November to respond.

 

1) am I better to respond now? or leave to closer to the 5th Nov

 

2) also if I do the AOS would it then be that I have a further 14 days from 5th nov??

 

never had any default notice

 

not sure where to go from here ?

[Dotty50]

You have 33 days in total, 5 for service, 14 to Aos and another 14 to submit defence if that is what you intend to do.

 

Can you type up what they state in the POC?

 

Give us more history of the debt and what action you have taken in the past, it will help other to assist.

[dx100uk]

can we have the EXact text of the Particulars of the Claim.

 

dx

[renegadeimp]

Its probably carters standard one. THey use the same one for pretty much every single debt.