Lowell Portfolio

[buds68]

Received a county court judgement from Lowell on 19th,the Debt is a catalogue Debt for 900.00,I do not know what to do,The debt was from 2013,In 2013 i had a breakdown an ended up been sectioned for months,During this time my daughter had to move from our house whilst i was still in hospital,I am still under the Mental Health Team,I know i had catalogues but actually can not remember which ones an how much i owed.The papers i got are printed on White Paper with a claim number an from County Court Buisness Centre,I am unable to pay this in full,So how do i go about making a offer to them ,By the way i have checked my Credit file for the 1st time in years an Lowell have another 5 on there for me,I am currently on ESA ,PIP ,so money is really tight,how do i deal with this?Please help

[MIKE770]

Re: Lowell Portfolio

no doubt full of charges? scum lowells

[buds68]

Re: Lowell Portfolio

Yes 130.00 worth of charges ,I really dont know where to turn,cant do phone calls as i get to anxious,do i admit the claim, do i offer them what i cant afford ?

[Amethyst]

Re: Lowell Portfolio

Hiya xx

Have a look here First Steps

for an idea of what you need to do now. Your first step is to acknowledge the claim ( it tells you how to do this on the link ) and then there are a couple of basic, standard letters you can send off. This will just give you a bit of breathing space to look at the claim and decide what you want/need to do. You probably want to look at all the debts that Lowell have at one time, might feel a bit overwhelming, but it is definately worth writing a list of who the original creditors are and how much it says is outstanding on your credit file, so you know where you stand, worse case scenario wise if Lowell try claims for all the debts, plus there could be other options to deal with it avoiding the stress of dealing with multiple claims.

For now though could you type out the Particulars of Claim from the front of the claim form on here, and read the First Steps post.

And ask any questions you want about anything xxxx

Sharon

[buds68]

Re: Lowell Portfolio

Thanks,But i am unable to remember who the original debtors are,After i left Hospital in 2013 we also moved house,I then went to Cyprus an stayed there for months,On return i was not getting letters from anyone at this address in fact i am not even on Electoroll ,Now all of a sudden Lowell have decided to take 6 of my debts over,I will read first steps but being honest i have not got mentality to deal with this,I am Agoraphobic so posting letters or getting forms is a no no for me,If i dont respond can they go for a high court judgement or send bailiffs for catalogue debts?