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Hi Everyone
I have a claim form from Lowells (Shop Direct) which I really need to respond to in the next few days.
I have no experience with these things and would greatly appreciate a little advice please.
A brief history of the account:
Original Creditor: SHOP DIRECT
Type of Account: SHOPPING CREDIT
Account Open Date: MARCH 2009
Debt amount: £2k+ (includes £400 Charges)
I requested copy of CCA which was provided and Niddy's opinion is that it is enforceable.
If the CCA is indeed enforceable, presumably I would have to make an offer to pay.
If this is the case, I accept but can only afford a minimal monthly payment as our financial position at the moment is not good.
Can I question the £400+ of unspecified charges at this point?
Any advice to at least buy some more time or to initiate a small monthly payment going forward would be appreciated.
Its quite stressful
Thanks in advance
I have a claim form from Lowells (Shop Direct) which I really need to respond to in the next few days.
I have no experience with these things and would greatly appreciate a little advice please.
A brief history of the account:
Original Creditor: SHOP DIRECT
Type of Account: SHOPPING CREDIT
Account Open Date: MARCH 2009
Debt amount: £2k+ (includes £400 Charges)
I requested copy of CCA which was provided and Niddy's opinion is that it is enforceable.
If the CCA is indeed enforceable, presumably I would have to make an offer to pay.
If this is the case, I accept but can only afford a minimal monthly payment as our financial position at the moment is not good.
Can I question the £400+ of unspecified charges at this point?
Any advice to at least buy some more time or to initiate a small monthly payment going forward would be appreciated.
Its quite stressful
Thanks in advance
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