lowell letter of claim

Dee832016

Hi guys,
I've worked so hard over the last 3 years to clear all my debts. However, there is one particular debt from 3 mobile ( default date July 2011) that i didn't pay.
This was because I had a dispute with 3 mobile due o the poor service i received...hence the reason i terminated my contract ( the initial debt was only £185 and has risen to £379 with fees).
I've conacted three mobile on many occasion explaining my refusal to pay and yet Lowell continued to chase.

I've now received a nice xmas pressie from "Lowells Solicitors" subtitled "letter of laim".
I'm sure you've probably heard of this letter but it basically suggests i have 14 days to pay before they commence a claim against me.

I'm stuck of what to do next...shall i just accept defeat and pay for a debt i beleive i do not owe or try to negotiate a smaller payment with Lowell..or shall i try to continue to fight it?
I'm at a loss of how to proceed.

I really do not want a CCJ ahgainst me after all i've done to get myself out of hard debt.

sourcrates

Hi,

You can regard the letter you have received as a "letter before claim".

It's extreamly likely a claim form will be winging its way to you in the new year, if you don't do something about it.

Did you make an official written complaint to 3 at all ?

Did you follow there complaints procedure, if so did you get a final response ?
From the tone of your post I am assuming you didn't follow correct procedure, hence where we are today, is that correct ?

If you don't want this to get legal, ring Lowell, as time is short, try and negoatiate a deal to make this go away, make sure you obtain confirmation of any agreement in writing before parting with any money.

Dee832016

No i didn't make A formal complaint... Just spoke with a few managers at the time. I think you're right i should have had a look at this sooner.

I think i'll just give Lowell a call in the morning and try to negotiate a payment and see it as a lesson learnt.

Thanks for your advice

The_Debt_Expert

You still have time to go down the complaint route, but another option (sort of hinted at by sourcrates) is to explain your continued unhappiness with this and see if they'll take a significantly reduced one off settlement to call it quits. Just be aware that this will show on your credit file as partially satisfied and could impact your credit rating. However if your credit rating is already poor maybe that wouldn't bother you.