well 40days are up today no joy yet:|

:-)

telephone messages have started again to ring hampton its most importaint you ring us today:|

:razz:

thank you:-)

Andy your replys always make me smile:-)

1349.00

well folks another letter arrives today here goes Dear madam YOU ARE LEAVING US WITH NO CHOICE it is disappointing to note that all our efforts to help you clear this account seem to have failed. We are now preparing to take legal action against you in respect of the debts that you owe to Lowell Portfolio I Ltd the legal action we MAY take is to make an application to the county court for a judgment (ccj), or we MAY issue a statutory demand which, IF granted, would have serious consequences and the possible issue at court of a petition for your bankruptcy WHAT BANKRUPTCY COULD MEAN TO YOU if you are made bankrupt it could result in an official receiver or an insolvency practitioner being appointed to investigate and manage your financial situation.you could lose any rights to assets of value you have such as your home (joint) you MAY have your bank accounts and credit cards closed:-) and you could be prevented from running your own business:-) if you are unsure of the consequences of bankruptcy we strongly recommmened you to seek advice from a solcitor and visit the official receivers website BANKRUPTCY if after receiving a ccj you still refuse to pay WE could make an application for an attachment of earnings order were monies would be deducted directly from your salary by your employer to replay the balance in stalments WE could alternatively apply for a charging order where the debt you have with us would be secured against your property Failure to comply with a ccj or to satisfy a statutory demand could allow us to petition the court for you bankruptcy AVOID FURTHER ACTION To avoid legal action WE would be willing to accept a monthly instalment of £50 until this debt is repaid please call us today on to set up the repayment plan or go to www.lowell.co.uk to set up a monthly direct debit If you cannot afford this amount please call us to discuss an amount that you can afford each month WE will work with you to agree the best solution and to avoid legal action but you need to call us urgently on yours faithfully sqiggle signature stephen hunter head of legal compliance hampton legal

Hi they do they use experian:-)

well have had a letter from lloyds saying that they will be sending all the documentation with in the time scale i wait their response:-)

thanks for your reply:-)

Hi sent for all the information on the above no joy yet still got a week or so thou still up are dating information on my file does,nt correspond with what i have paid to date very confused:???: lol

Hi Andy your comments make me smile i have got to get another folder lol:roll:

Hi all another letter as arrived to day:roll:here goes Dear madam IMPENDING LEGAL ACTION we are Hamptons Legal the litigation department for lowell financial ltd .We have ben instructed to recover an outstanding debt that you owe which originated from an agreement you had with capital one We note that lowell financial ltd have offered you on a number of occasions the oppertunity to enter into a payment plan so that you could clear this account but have decided not to take up the offer WHAT IS THE REASON FOR NON-PAYMENT:roll: We know of no reason why this debt should not be paid and can only assume you simply have no intention of paying it back We therefore assessing your account to decide what action to take(they said this in the last letter they sent me in december)as you are an homeowner (yes joint) it is very likely We Will apply to county court for an judgment (that was said in the letter before) against you ordering you to repay the outstanding balance if you continue to refuse to pay WE WILL consider the following:roll: Applying for an attachment of earning order which IF granted would allow us to recover the balance in instalments directley from your salary or applying order which IF granted would secure the debt against your property (joint) or issuing a pertition to the court for bankruptcy YOU NEED TO SEEK ADVICE Unless you call and pay off your debt or set up a payment plan We strongly recommend that you seek professional advice so you gain a full understanding of what the above courses of action may mean to you as both could have serious consequences AVOID FURTHER ACTION to avoid any further action gainst you please call us on xxxxx and discuss repayment plan We will agree to a monthly arrangement WE MAY EVEN AGREE TO A DISCOUNTED AMOUNT TO SETTLEMENT yours faithfully xxx head of legal compliance hampton legal what do you think all, any one new to this could get really frightened at the tone off this letter:|

shocking ain,t it:|

Hi briggs i am registered with tps to stop these calls not doing any good thou:|

Hi CB yes they are useing the sms text messaging to my landline saying this is important that i should ring today thats neally every day:|

:lol:

Hi all, automated calls from hamptons daily saying this is an urgent message for mrs dora to ring them as soon as possible:roll:

i aven,t heard a thing for a couple of years

thanks both:-)

hi GM yes still having problems i can,t understand why they keep searching and not updating the account they have alledgley brought they have not updated for 6months:roll:

after adding a note to my thread about my file being searched guess what i have been having silent calls is that paranoid lol:roll: