Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #121
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    title updated

    you need to follow post 4 here.
    https://www.consumeractiongroup.co.u...l-Legal-Issues

    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

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  2. #122
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    Thanks dx - looking at post 4 as you suggested, it mentions 'Statutory Demand' - this letter doesn't seem to mention that particular wording anywhere. Is this basically what it is?


  3. #123
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    We could do with some help from you

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  4. #124
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    Thank you so much. Just realised the letter is dated 18/06 - i dont have much time... best get my a** into gear!

    Thank you again


  5. #125
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    thanks andy wrong link oppss..

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  6. #126
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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


  7. #127
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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.

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  8. #128
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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

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  9. #129
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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

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  10. #130
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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

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  11. #131
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    Worrying about nothing

    Just inc spreadsheet s

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  12. #132
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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

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  13. #133
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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


  14. #134
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    Red top toolbar search CAGicon box

    claimformicon Lowell cat

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  15. #135
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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 Requesticon 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!!)


  16. #136
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    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

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  17. #137
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    Hi all,
    Just a quick update.

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

    I have also received a lettericon 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


  18. #138
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

    start a new threadicon for the new debt please

    let this one run

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  19. #139
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    Default Re: lowell PAP letter of claim - old Studio CAT debt - balance all charges

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


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