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Help! Court claim from Bryan Carter/Lowells/HFC


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stay focussed on getting your letters of please

 

you are politely far too scatty to think about more than one thing at a time:lol:

 

CCA request - do not sign it

 

include a £1 BLANK PO

 

send it 1st class with free proof of posting

 

can I have the PoC please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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haha ok and yes i am...

 

POC

 

THIS CLAIM IS FOR £940.64

 

THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT

TO PROVIDE FINANCE AND/OR SERVICES AND/OR GOODS.

 

THIS DEBT WAS ASSIGNED TO LOWELL PORTFOLIO LTD ON 23/10/2013

AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925

 

PARTICULARS

RE-HFC BANK LTD

A/C NO XXXXXXXXXXXXXX

 

AND THE CLAIMANT CLAIMS 940.64

 

THE CLAIMANT ALOS CLAIMS INTEREST PURSUANT TO S69 COUNTY COURT ACT 1984 FROM 23/10/2013

TO DATE AT 8% PER ANNUM AMOUNTING TO £55.06

 

SIGNED

BRYAN CARTER

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I suspect you can request in the CPR

 

Notice of assignment

default notice

agreement.

 

that's the std vague POC by carter

 

have a look at the other carter threads in this forum you are in

 

and see what others requested.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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will do. I did read a few today in honesty and made some notes etc....

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ok well your next priority is those two letters

 

the quicker the better.

 

from there, you've nowt more to do bar wait

 

 

the thing YOU MUST NOT MISS

 

is filing your defence by midnight Monday 18th aug if the date top right claimform is 17th july?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok - letters are done ready to post tomorrow.

 

Claim date is 18th july on top right.

 

what do i need to pu in for my defence/ or do i need to wait for those letters to come back from Lowlifes?

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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the thing YOU MUST NOT MISS

 

is filing your defence by midnight tuesday 19th aug

 

.........................

what do i need to put in for my defence/ or do i need to wait for those letters to come back from Lowlifes?

 

 

you wait to see if they find the documents

 

,,,,,,,,,,,,,,,,,,,,

 

what puzzles me is this is not on your credit file

 

are ALL your old addresses showing?

 

also that the debt was not sold to lowells until 23/10/2013

 

whos it been with till then?

 

have you any old cra files that might show it? somewhere

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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all old addresses showing

no idea whos its been with

i have no letters statements or even the original agreement.

 

I cant see if i have had a default and if i did when, i cant see an outstanding balance, there nothing for HFC or Lowells. Zero. Happy to send them you

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

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2019 - Citicard - £1071.31

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so you have other reports from an earlier time?

 

I cant see an agreement from july 2008 ? not being ever registered.

 

that was when you took it out [signed it]

 

or is it from an earlier date?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

so you have other reports from an earlier time?

 

I cant see an agreement from july 2008 ? not being ever registered.

 

that was when you took it out [signed it]

 

or is it from an earlier date?

 

dx

 

yep i do

- i know it was on there before but on old ones

 

from Jan and feb 2014 i cant see it and

 

i re paid all agency via checkmycredit yesterday to have an updateand nothing is showing at all.

 

Im annoyed as i am debt free now..

 

.this is the last thing i want.

 

took me all this time to rebuild life etc

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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so when did you sign the agreement please?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

responding to private message, but it looks like you are being looked after by dx :)

 

If you could answer his questions as to when you entered into the agreement with HFC and also if you could make a serious attempt at working out when the last payment or last acknowledgement of hte debt (in writing) was made.

 

From previous experience, I suggest you dont take any action unless you have run it past dx/CAG first.

 

 

Have you sent that CPR request off ?

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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the agreement was signed in July 2008 - i have no idea of the exact date though.

 

I thought I had it still in amongst my other personal stuff but sadly i do not.

 

CITIZEN - i am just off to Post Office to send it now

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Ah, well if you signed hte agreement in July 2008 then it is unlikely it is statute barred, I am of course assuming that you made payments for a while ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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that's what puzzles me

 

wheres it been since then.

 

weird

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi guys, sorry for late reply. I have no idea myself. I have however had some information back from Lowells but at the bottom of the email says Fredrickson International???>

 

 

Dear MR XXXXXX,

 

We would like to resolve your query, however your account has been passed to one of our outsource company's. Please could you forward your query onto them using the contact details provided below.

 

Lowell reference - xxxxxx

Original account number - xxxxxxx

Original creditor - HFC Bank

Current balance - £1000.64

 

Fredrickson International Ltd

Persimmon House

Brooklands Business Park

Weybridge

Surrey

KT13 0NT

Tel: 08452930606 / 08450349712

 

Kind regards,

 

Seetal

Customer Services Lowell Group

[email protected]

0844 844 4716

Opening Hours

Mon- Thurs 8am-8pm

Fri 8am-7pm

Sat 8am-2pm

http://www.lowell.co.uk

 

 

 

I have never even received anything from Fredrickson either? So why on the Claim form does it say Lowells but I have to contact Fredrickson?

Edited by meandbex
missed info

PPI SUCCESS

2011- Lloyds TSB £3874

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2017 - Moneyshop - £977

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2019 - Citicard - £1071.31

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all the same lot

 

freds/carter/lowells.

 

 

just diff blokes in diff coloured skirts sitting next to each other.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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:jaw:

 

 

thats made me laugh

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Letter recieved from Lowells today

 

Dear Mr XXXXXXX

 

We are in receipt of your request for information subject to the Civil Procedure Rules.

 

Please note thast as Fredrickson International is handling the county court proceedings on our behalf, we have passed your request to them and they will be in contact in due course. Any further communication shoud be made direstly with them using the below contact details.. blah blah blah.

 

Signed James Crabtree

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Letter recieved from Lowells today

Their standard letter these days on many case where there is litigation.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Letter recieved from Bryan Carter today and not from Lowells???

 

[ATTACH=CONFIG]52566[/ATTACH]

 

I dont have ANY records reference this account!!! Plus i have still not recieved any paperwork form my CPR or CCA request. They recieved this letter on 25th July so I assume they are not going to send me any and today would be the 10th day now.

 

What do i do now?? Please

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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Letter recieved from Bryan Carter today and not from Lowells???

 

[ATTACH=CONFIG]52566[/ATTACH]

 

I dont have ANY records reference this account!!! Plus i have still recieved any paperwork form my CPR or CCA request. They recieved this letter on 25th July so I assume they are not going to send me any and today would be the 10th day now.

 

What do i do now??

 

That is your reply to CPR 31.14 request.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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That is your reply to CPR 31.14 request.

 

oh really??

 

So what do i need to now then??? :|

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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oh really??

 

So what do i need to now then??? :|

Where did you send the CCA request to? They have 12 + 2 Working days to comply.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Where did you send the CCA request to? They have 12 + 2 Working days to comply.

 

Lowells buddy.

PPI SUCCESS

2011- Lloyds TSB £3874

2011 - Loans.co.uk (GE Finance) £1504.77

2017 - Moneyshop - £977

2018 - Aquacard £1327

2019 - Citicard - £1071.31

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