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A little help with a claim form from Lowells please

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  • A little help with a claim form from Lowells please

    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

  • #2
    This is a duplicated thread

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