Ah Andy - just realised you had posted the recent link, apologies and thank you. I am hoping i understand it all enough to get my head around it. Off to do some searching - could use as much knowledge as possible.

Thank u - Maudy

just click the link that andy sent

goto post 4

shows you exactly what to do..

use OUR LINK there for the reply form

DO NOT use the one sent to you by them.

when you tick box d

answer they q of why you dispute the debt..put for the reason you dispute it is that the balance is solely made of unlawful penalty charges

inc a copy of your spready's you did last year.

Thank you sooo much dx i was getting panicky for a minute!

That makes much more sense

- one question about the spreadsheets i did,

i have the Compound Int and the Statutory Int and now due to the amount of time elapsed the total is well over £8k

- do you think that sounds right or have i cocked it up somewhere maybe?

I'm so grateful for your replies i really am,

and so thankful i came on and commented again

- i was so tempted to just add the letter to the rest of the pile!!!

Thank the Lord i didn't

- sounds like this is one i need to reply to...

Maudy

the CISHEET should already have a claim to date from before, that remains the same.

the statint sheet should show todays date in the claim to box [it increments auto] so resave it before you print it

attach both to the reply form

ensure all paperwork has their ref number on it too

Hi again,

sorry to be a pain!

I don't know it makes a difference on the wording but when i am completing Box D 'I dispute the debt'

i write 'the balance is solely made up of penalty charges,

do i need to say plus interest?

As the debt itself is £1000,

the penalty charges total £750

but the stat int and compound int total £8k since 2009...

i.e. I didnt want them to say i was making an incorrect statement if you know what I mean. Or i am worrying over nothing?

Thank you as always

Worrying about nothing

Just inc spreadsheet s

Try not to get side tracked with this as it will be irrelevant to Lowell...and they will probably still issue a claim.

I think a simple reason as to why you dispute it is enough without attaching spread sheets.

Andy

Thank you both.

What is the process once/if they issue a claim?

Does that mean attending court?

Can you point me in the right direction of any reading for similar cases if possible?

Thank you again

Red top toolbar search cag box

Claimform Lowell cat

Me again!! Do i need to add this text on also (to box D) the debt purchaser has yet to provide any or all of the required documentation, and then add the bit about my penalty charges onto the end?

Also do i send the CCA request to the same place as the reply form? as they seem to be dealing with it all now? (they letter says they are acting for Lowell Portfolio) - or do i need to send that direct to Lowell Portfolio?

Sorry for so many Q's promise this will be it ..... (maybe!!)

do as post 4 there tells you...

cca goes to the claimant lowells not sols

yes just add the bit about charges at the end of the recommended dispute text.

but its already there in a way isn't it

Hi all,

Just a quick update.

I received a letter to say they are compiling their information in line with the pre action protocol.

I have also received a letter from a really old debt stating that they have now confirmed where we live (from Lowell - via Cabot), it's an old bank account debt which was bought by Cabot some years ago and we have heard nothing for years, I be sure how many years exactly but i can't recall making a payment for 7-8 years at least let alone communicating with them.

I guess now Lowell have linked the account they think they will go for money!!

It doesn't show on hubby's credit record

- is there anything we should do to find out how long it was since we last made payment?

I don't know if it makes any difference but the original Lowell account (Re the update) is now showing as a closed account on Clearscore.

Does that mean anything significant? That was from June 2018...

Thank you all

start a new thread for the new debt please

let this one run

Ok will do thanks dx. will sort it tonight from home