I received a Letter of Claim from Lowells today and now my heart is racing and a sense of panic is setting in.

Particulars of debt:

On 22/6/2009 you entered into an agreement for Lloyds account.

You failed to make payment in accordance with the terms of the agreement and it was later terminated and subsequently assigned to our client by Lloyds Bank PLC on the 24/11/2015.

Notice of the assignment has been previously been given to you

and you may request a copy of the agreement on the enclosed reply form

you are required to make payment of the of the sum outstanding £11931 within the next 30 days.

Please advise as i certainly do not have that type of monies available..

Silly silly me for stopping my repayments

More info on this plz?

Its not a claim form yet... So we can help

The other guys will be alomg shortly to help

Surely whether there is a claim or not ,

it is now statute barred ,

not sure whether the statue barred letter or the prove it letter would be the best in the first instance ,

someone will be along with more up to day experience than I to advise shortly.

Thank you Lulu

I have checked my credit score history and experian history and nothing is showing on these..

Sorry if asking a silly question but is Lloyds chasing the debt or it is Lowells themselves?

I have completed the reply form as per another thread on here requesting further information and disputing the debt as they have not provided me with any agreements etc,

I am just about to write a CCA request also,

is this advisable?

looks like have received the formal PAP letter with reply form

see

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

Hi Ford, yes I received the form and have completed as per sample on thread pap requesting required information, as per Lulu suggestion would I be able to claim statue barred and complete that template? It is all very confusing.Thank you in advance

Thread moved to Debt Collection Agencies Forum......please continue to post here to your thread.

Regards

Andy

Hi Ford, yes I received the form and have completed as per sample on thread pap requesting required information, as per Lulu suggestion would I be able to claim statue barred and complete that template? It is all very confusing.Thank you in advance

depends on the circumstances, as fkofilee asked post up here further info about the alleged account, last payment date, when defaulted, etc.

account OPENED in 2009 so SB date will depend upon when the debt was last acknowledged or payment made.

Now banks like to stretch this out by not defaulting soon after the payment date is missed but know that if they leave it too late them not issuing a default notive will go against them anyway.

Your credit files my mean that the debt has dropped off so it is SB

and Lowells know this but hope that they might get you to agree to pay them somehting t make this go away.

I had a debt management plan that I stopped paying in Sept 2014, they were paying Lloyds £5.00 per month

is this a bank account?

if so you cant CCA

Hi Amazingly,

If your last payment to them was Sept 2014 - then unfortunately it it not SB

- and as DX has asked we need to know the type of debt it is.

that is why it is not on your credit files.

As last payemnt was 2014 then it wont be SB until 2020.

Now, what was the original debt,

how much was owed when defaulted,

how much had you paid off with arrangement

and what is the balance now supposed to be according to lowells?

Does this tally with all your other records/payments ?

I bet it doesnt so get your figures worked out.

I had a debt management plan that I stopped paying in Sept 2014, they were paying Lloyds £5.00 per month

The loan was with Lloyd for the £11k,

unsecured

it is saying that I owe this amount still,

I since have found out that Immediate finance was only paying them £5 per month,

I have completed the reply form

do I need to complete any other letters etc before I send the form back

Loan was taken out in 2009 unsecured loan

Immediate finance paid back £5 per month for 2 years

no just do as post 6 of that thread in post 5 here

get an sar running to IF

there will be an F&F pot to reclaim

I bet.

dx

I have completed the reply form

do I need to complete any other letters etc before I send the form back

 

just a general double check. don't do any of a claimants personalised forms. only do the standard pap one as posted.

Thanks I looked on the forum and obtained the correct form

Hi,

I received the attached yesterday from Lowell's, following on from my original post in January. Can anyone advise the next steps I can take please??

docs1 .pdf

load of bogroll really

where's the signed agreement?

no T&C's

no default notice.

going by the paperwork it says not cancellable

so you signed the agreement at the bank?

Hi,

From memory I believe I did, I didn't attach the terms and conditions to this post but I did receive them. What next steps can I take?

well that's obv not yours then

its a reconstruction

which they don't say so anywhere

as we know a signed agreement exists

i'd say that doesn't meet the requirements of the CCA

and most certainly couldn't be enforced in court with what they've produced so far.

Would you suggest I send a responding letter? Thanks

no!

they've seen £11k and chanced their arm.

you need to get reading up about lowells and p'haps start remembering a bit more about the history of this loan..

you said you got sc@mmed into that fee paying DMC

have you sent that SAR off to them.

No I didn’t request a SAR, would I need too send that too Lowell’s or Lloyd please?

Thank you

no read post 15

scan up those T&C's please

full pages and CLEARLY

the little numbers around the edge will be key here

but make SURE you remove any account numbers AND your name and address that will be on page 1 of them somewhere.