Lowell Solicitor - Studio Debt

Hi Everyone,

I am hoping i could get some help with the next steps.

My wife had a debt dating back to 2015 with Studio. This debt eventually got passed on to Lowell. She never responded to them and recently received a letter from Lowell Solicitors.

They sent a bit of a pack giving her a few options. She selected the option which said they she did not believe she owed a debt to Lowell, and she asked for a copy of the original credit agreement with Lowell.

They have responded by saying that they haven not claimed to have entered into a contract with my wife directly. The benefit of the Studio account was passed to them under section 136 of the Law Property Act 1925.

They have also said unless she can supply further details to dispute the claim or start to make payments then they will reinitiate the pre-action protocol process which could result in a CCJ.

We go on holiday this weekend and will not be back before the deadline (received the letter nearly 2 weeks after the letter was dated), so would like to make a reponse ASAP.

Any help would be appreciated.

Thanks