Lowell Claim form - old Avon Cosmetics debt - who do I owe?

[Pinkie2002]

Good morning

 

I have returned from a weekend away to a CC Claim form with Lowell Portfolio 1 Ltd as the claimant ...

 

They state it to be £150.23 to Avon cosmetics,

but I cannot remember such a debt

and if there even was one it was around 5 1/2 years ago!

 

I never received a default letter from Avon

(they say in the claim they sent an assignment in 2015)

but I can honestly say, I never received anything.

 

They are claiming #150.23 + #12.02 (8% interest) + #25 court fee + #50 legal representatives costs ... total is #237.25.

 

My husband just says to pay it

(I can't even see how I can do that as no payment details are attached)

and I really don't think I owe anything!

 

I have no idea what to do next & the clock is ticking on me doing something with this.

 

Any help would be very gratefully received

... I don;t have a cheque book,

so it would have to be a BACs payment (If I do just pay for it to go away) .

.. but i'm not happy to pay fees, interest etc.

on something I really don;t think I owe!

 

Many thanks

[ericsbrother]

first thing you do is acknowledge the claim itself by opening an account on moneyclaimonline and ticking the box defend in full.

 

 

That buys you another fortnight before you have to submit anything as a defence

 

Then you send 2 letters to lowell,

the first will be a CCA request,

enclose a postal order for £1 for this

 

 

They have 12 days to respond or they cannot continue with their claim.

(the response may be not a CCA matter but we will see)

 

the second letter will be a CPR31.14 request for documents and ask for a copy of the letter of assignment, the annual statements from the time the debt was defaulted to present and a breakdown of the how the debt is constructed,

 

 

This overlaps with the CCA request as far as some of the content goes.

Give them 14 days to respond.

 

 

Get them sent off now so you have a chance to put their lack of supplying any evidence of the debt and their interest in the matter as part of your defence.

 

 

They may well drop the whole thing once that is seen by them

[dx100uk]

can you fill this out please

so we have all the correct information to suitably advise you

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?419198-You-have-received-a-Claim-What-you-need-to-do.-**UPDATED-2016**

 

 

thank you

 

 

dx