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Won case against next directory, but Lowell are taking me to court
ni-11
Posts: 4 Newbie
Hello, 5 years ago Next took me to court over a debt and I won. Since then however I have been constantly harassed by multiple solicitors acting on behalf of Next. Today I received a letter from Lowell, which was a claim form to complete. I don't know what to do. I thought this was over. I know I have to acknowledge that form otherwise they could take me to court if I ignore it ( I was told), but I am not sure.
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Comments
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Join legalbeagles they are used to Lowells and will advise you.
http://legalbeagles.info/forums/
Do not acknowledge the form !0 -
When you say, you won, what was the outcome ?
And why then are they still pursuing the same debt ?
If you have received a claim form YOU MUST acknowledge service online ASAP this gives you 28 days to file your defence.
Your post poses more questions than answers to be honest.
But Legal beagles is the place for good advice.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
The judge said they had no claim against me because they couldn't produce a signed by me cca. The never removed the default they had put on my credit file, I don't know if that is why they are doing this again.0
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The judge said they had no claim against me because they couldn't produce a signed by me cca. The never removed the default they had put on my credit file, I don't know if that is why they are doing this again.
Ok, debts get passed around like car keys at a swingers party, Lowell are probebley not aware of previous action on this debt.
What you need to do is defend the claim in full, because no credit agreement exists for the account they say you owe.
Ask on legal beagles as to how you should word this, due to the previous court action.
Try not to worry about it, you have a good case here, as I said, Lowell are most likley unaware of activities prior to them becoming involved.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
As above
acknowledge service (online)
Then defend online - no compliant agreement, unenforceable under s127(3) cca, already been defended successfully under (court reference if you can find it).
Legalbeagles can help with the wording0 -
Thank you very much, I am currently being advised by legalbeagles, and I have already acknowledged service online.0
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