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. #1
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    Default Lowell Solicitors PAP letter for old Capital One credit card

    Hi not heard anything from Restons but I now have a letter from lowell solicitors about a different debt on a capital one card.

    They have sent me the same PAP letter so I am going to send a CCA to lowell financial and the IBA to lowell solicitors.

    Just wondered do I send the CCA to lowell financial P.O. box no at Northampton or their head office in Leeds. Lowell solicitors is the same p.o. box no as lowell financial. Thanks


  2. #2
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    Default Lowell Solicitors PAP letter for old Capital One credit card

    I have received a lettericon from lowell solicitors about a debt on a capital one card that was sold to Lowell Financial. They have sent the pre-action protocolicon form to complete.

    I need some advice please.

    Am I right in sending a CCA to lowell financial with the 1 postal order and the completed PAP form back to lowell solicitors completing box D and I?

    Just wondered do I send the CCA to lowell financial P.O. box no at Northampton or their head office in Leeds. Lowell solicitors is the same PO box No in Northampton as lowell financial in Northampton. Confused because if I send both letters to the PO box No's they are going to the same place.

    Are they both in the same office? If I send the Lowell Financial CCA to Leeds will they still get it or do I send it to the PO Box No on their letter?

    Lowell solicitors letter is dated 24th May so My 30 days are up on 23rd June.

    Thanks


  3. #3

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Trent House, Station St, Nottingham NG2 3HX CCA Requesticon recorded delivery, advice on PAP will be forthcoming

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  4. #4

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    We could do with some help from you

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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Quote Originally Posted by Old Cogger View Post
    Trent House, Station St, Nottingham NG2 3HX CCA Requesticon recorded delivery, advice on PAP will be forthcoming
    Thank you.

    Is that Lowell Financial address or Lowell Solicitors?

    I have a Leeds address for Lowell Financial at Savannah Way, Leeds and also a PO Box for Northampton.

    So do I send the Lowell Financial CCA to the address at Northampton that you quoted.

    Sorry about this I am just confused as to what to send to which address.


  6. #6
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Is this Capital One at Trent House, Station St, Nottingham NG2 3HX?

    Please can someone help.

    I thought the CCA had to go to Lowell Financial and the PAP back to Lowell Solicitors.

    I am unsure of Lowell Financial address as just have PO Box No in Northampton but though Lowell Financial were in Leeds.

    Can someone clarify.


  7. #7

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Post #4 in the above link I have posted.

    We could do with some help from you

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  8. #8

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    We have a pap letter guide here
    https://www.consumeractiongroup.co.u...-Viewing)-nbsp

    Do as post 4

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  9. #9
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Thanks.

    I have read the links and done the CCA letter using the template.

    Completed the PAP following the instructions on the link.

    My concern is where to send the CCA for Lowell Financial.
    Do I send to the PO Box No in Northampton or their head office at Savannagh Way in Leeds?

    The address at Trent House in post #2 is for Capital One.
    Just wondered why I would send it there as they are the original creditor and not the DCAicon that has bought the debt.


  10. #10

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    No oc has sold
    Nothing to do with them
    Cca goes to lowells
    Andy has given the address

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  11. #11
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    That what I understood CCA goes to Lowell Financial.

    I must be missing something here as there is no address in post #4 just a link which takes me to the PAP protocol page.

    I'll just send it to both the PO Box No at Northampton and their head office in Leeds I guess.


  12. #12

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Post 3 old cogger
    Sorry i couldnt count id put me sox back on too early.....

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  13. #13
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    No worries.

    I didn't think this was the Lowell financial address - google tells me it is capital One head office (Trent House, Station St, Nottingham NG2 3HX) post #3

    I need to send to Lowell financial who have bought the debt from Capital One.

    Just need the Lowell address if anyone knows it or do I just send to the PO Box No?

    PS hope the socks were clean


  14. #14

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Lowell

    Financial institution in Leeds, England
    Address: Ellington House, 9 Savannah Way, Leeds LS10 1AB

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  15. #15
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    Thank you


  16. #16
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card UPDATE

    Hi

    In response to me sending back the completed PAP to Lowell Solicitors back in June 2018 I have now received a lettericon from Lowell Solicitors enclosing copy of agreement, default notice & notice of assignment.

    Please can someone advise what I should do now before they continue with the Pre-Action Process?

    I had completed sections D and Section I of the PAP back in June 18.

    Attached Files Attached Files

  17. #17
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    is the writing on the copy you received as illegible as your uploadicon is?


  18. #18
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    no the original copy is readable but I have tried to get the uploadicon clearer.

    Any advice on next step?


  19. #19
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    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    I have scanned again and it is a bit clearer.

    The text is so godamn small on the capital One agreement but readable with my glasses on!

    The transaction details are just on plain paper with no company heading so could these be made up?

    Can someone advise if they have sent all the required papers I requested in the completed Pre action reply form back on 18th June 2018.

    Having only received their response back on 2nd Jan 2019 is this acceptable?

    Please advise as I am unsure how to respond to this and have been looking for info in the forum.

    Kappers

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  20. #20

    Default Re: Lowell Solicitors PAP letter for old Capital One credit card

    looks in order to me.
    so almost SB'd then...

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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