Hi I was taken to court in February 2014 by Lowell over a debt I do not or ever did own, I informed Lowell and there solicitor BW Legal in January that I do not accept the debt and as such the debt was in dispute.
Now I know they should of stopped harassing me for payment and investigate the debt to prove if the debt was mine yet they still took me to court over the debt.
Prior to the court date I did my research and asked both Lowell and BW Legal for evidence that the debt was mine including original contract signed and proof that they own the debt. I sent in a CPR 30.14 request and to this day 6 months later no reply to any letters or emails by both Lowell or BW Legal (They even failed to go to court or respond to court in respect of there claim against myself).
My problem is that having checked my credit file I have found Lowell have placed 2 Defaults on the account in my name even though they obviously have no proof that the debt was mine hence taking me to court and failing to attend or provide evidence about the debt ownership.
The first default was placed in 2009 and a second default placed feb 2014 at the same time as the county court dates, How can I get these removed as Lowell just keep saying they will look into it yet every month they keep updating the file to say none payment.
Any help would be great as this company should not be able to operate like this as in my case refusing to acknowledge my CPR and all letters and emails prior to court hearing date is a breach of there licence as a debt collection company yet my complaints to them and governing body get me nowhere.
Now I know they should of stopped harassing me for payment and investigate the debt to prove if the debt was mine yet they still took me to court over the debt.
Prior to the court date I did my research and asked both Lowell and BW Legal for evidence that the debt was mine including original contract signed and proof that they own the debt. I sent in a CPR 30.14 request and to this day 6 months later no reply to any letters or emails by both Lowell or BW Legal (They even failed to go to court or respond to court in respect of there claim against myself).
My problem is that having checked my credit file I have found Lowell have placed 2 Defaults on the account in my name even though they obviously have no proof that the debt was mine hence taking me to court and failing to attend or provide evidence about the debt ownership.
The first default was placed in 2009 and a second default placed feb 2014 at the same time as the county court dates, How can I get these removed as Lowell just keep saying they will look into it yet every month they keep updating the file to say none payment.
Any help would be great as this company should not be able to operate like this as in my case refusing to acknowledge my CPR and all letters and emails prior to court hearing date is a breach of there licence as a debt collection company yet my complaints to them and governing body get me nowhere.
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