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boogiemaster

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Everything posted by boogiemaster

  1. I have a confession to make too farther. I told Lowell's to stick the debt up their fking arse so how many hail Mary's and our farther's do I have to say? It was the only time I lost my temper too It did feel good though
  2. My wife owed £1400 and they sent the same letter and then sent another letter saying since she has not responded we have no choice but to send it to another debt collection agency. Lowell's Lowell portfolio red Hampton illegal a company in Halifax and McKenzie hall then passed to another that never happed. But they had been writing for over a year and then it became statue barred
  3. I never made a payment and I know this for a fact but the default date should still show on my credit file shouldn't it? I know it was written off for tax purposes by capital one data should still show?
  4. Should there be information on my credit file from Capital one because according to Lowell I made a payment in February and default date was 10th of July 2006. There is no information at all apart from Lowell when they started recording data in March 2008 when they bought it and I thought it should still show Capital one data? And I will keep the letter and it feels good when its statue barred
  5. Lowell sent my wife a letter stating her debt was not statue barred as she acknowledged the debt by making a payment of £100 on the 14th of March 2006. So she sent an email on the 14th of march 2012 telling them this debt was now statue barred and I will not be paying it. She received a letter this morning stating this debt now comes under the statue of limitations act and we will now be closing the account. Her default drops off on the 14th of October 2012 but as of March 14th 2012 the debt is statue barred so the statue of limitations defiantly goes by last payment and not default date like that idiot lying git on the phone told me. Thanks for the help guys and now I'm just waiting for my letter to come through now
  6. Just posting this sorry if its already been posted http://www.legalfutures.co.uk/latest-news/spin-out-firms-merge-to-create-largest-debt-recovery-law-firm
  7. We enclose a copy of your agreement as requested. I knew straight away they were trying to pull a fast one because we both got accepted at the same time but get sent totally different agreements? Its only two days away till its statue barred so I think a nice statue barred letter will be sent They told me it goes by the default date but tell the wife it goes by the last payment so wish they would make up their minds? I also will be reporting them
  8. My wife just received the cca from Lowell's and it has her signature but under the date it has her date of birth. The agreement date has 21st Dec 2005 but the cca writing is really tiny and its not the same one they sent me this looks like an up to date one they sent the wife with her signature lifted and put onto a new cca. So it looks like they are trying to con my wife And last payment was made 14th of march 2006
  9. Consumer action group they got this government out of debt and got the letters and phone calls stopped so try them
  10. Well its statue barred on the 14th of March and the wife will be so happy and mine is statue barred now so I'm happy Last payment March but the default wasn't registered till October for some strange reason. Thanks for the help and sorry about no posting in the other post cap one debt
  11. Lowell sent my wife a copy of the notice of assignment but its not a Photostat copy its a printed letter with the word copy printed going through it and its all in colour not black and white. The telephone number that is always at the top left hand corner is missing and further down where it says to call them has these words >. Where it says turn over to find details on how to pay its blank so is this an obvious made up notice of assignment to try and fool my wife. The notice of assignment was sent three years ago according to Lowell's and this letter looks like it was only printed a few days ago. They also said its not statue barred as my wife paid £100 but it will be statue barred on the 14th March 2012 and then my wife is going to tell them where to put this debt What do you guys think of this notice of assignment?
  12. Wife received a letter stating if she doesn't set up a payment plan in the next 21 days they are passing the debt to another debt collection agency who may send a door step agent or take her to court. Lowell's sent her letters then passed it to credit resource solutions in Halifax who passed it back then Lowell's passed it to McKenzie hall who passed it back then Lowell's passed it to Red debt collection who passed it back. Just wanted to know if anyone knows who the next debt collection agency will be? Its stat barred in October but they keep threatening ccj and bankruptcy but the wife told them to get on with it but they sent a letter a few weeks back saying comments noted about us not being able to afford to pay anything and if we can be of any help in the future please let us know then they send this? They send letters texts asking the wife to ring she ignores them and she doesn't' answer their security questions so I think they've had enough and want to pass it to someone else. Was hoping they would give up
  13. Lowell's never offered me a bloody discount and my Capital one debt is six years old in July so not long to wait. Its a shame they never offered me a discount because I could have paid it off with my new Capital one credit card
  14. Going to use letters from Lowell's now as puppy training material They don't scare me they just get annoying with all their threats that go absolutely no where. Like I said I'm more scared of the wife than a letter from Lowell's. Thanks for the replies
  15. Lowell's phoned up today and as usual I asked for the notice of assignment and she said oh it was sent in November? None ever sent from them or Capital one but asked her to take me to court but she said we have to go though a few channels before it gets to that stage. Next will be pre litigation she said and I said you've been saying that for the last few months but I have noticed your full of crap and tell nothing but lies and I'm not going to even bother talking to you anymore and I'm going to bin your letters and hopefully see you in court soon. No notice of assignment even though its on my credit file in Lowell's name and its statue barred in July last payment March. Don't talk to a debt collection agency unless you want brain damage? So I'm going to ignore them and let them get on with it because they haven't done anything just sent me threatening letters and to be honest I'm more scared of the wife. She sent an email to red debt collection asking them to make her bankrupt because she owes them £1500 but a letter said a few days after we don't want to make you bankrupt. We don't have the money to give them a pound a month so no agreement has been set up and I'm not making any agreement with these people when they purchased the debt for peanuts and charge Provident interest on buying it. So this pre litigation department next table over from the donut machine are they just full of hot air and if or may letters? Or what's next Hampton's illegal with multi coloured letters and or pay up or else included in the letter?
  16. Debt collection agencies should carry a health warning talking to us could cause brain damage and heart attacks.
  17. Debt collectors only started to ring me when I gave my phone number to credit reference agencies when I signed up for their free trial? My phone number is x directory to and it looks like they have access to this as well as my mobile phone number who only my family know.
  18. They stay on for six years after the account was settled so will be Dec 2013 http://www.consumeractiongroup.co.uk/forum/showthread.php?165620-Help-Arrangement-to-pay-on-file-means-adverse-credit-for-10-years-help
  19. Lowell's have sent me threatening letters saying they will take me to court over a £400 Capital one debt. I've told them to get on with it and I'm still getting letters but now they want me to set up a repayment plan with them and with me being on income support I can pay a pound. I've told them I'm not paying them anything and where is my notice of assignment? they still haven't sent me one. My wife has had letters from Red debt collection over a £1500 Capital one credit card and they threatened to take her to court and haven't sent her notice of assignment? she sent an email begging them to make her bankrupt but they sent her a letter saying they don't want to make her bankrupt but they still haven't done anything. They will both be statue barred in a few months time and I'm not restarting the clock by giving them a payment
  20. She hasn't acknowledged the debt or paid anything towards it and the default on her credit file says Lowell and its statue barred in October next year. She hasn't asked for a cca as she says she just wants to ignore them because they will give up like the rest hopefully. She told me she's just going to ignore Red like she did with the others but I just hope they don't make her bankrupt but as she said she's not that bothered and it will drop off her file in six years. She don't work because of disability and we don't own our home or car and we have no assets so there is no point making her bankrupt. Thanks for the replies
  21. Wife has a debt and its six years old next year and its been passed to three debt collection agencies and then passed back due to wife ignoring them. Its come back to Lowell and after ignoring Lowell they have passed it to Red debt collection who have threatened ccj bankruptcy if she doesn't pay in full or set up an agreement. She's going to ignore red as well and she's not bothered about ccj and bankruptcy threats but are they likely to do anything with her only owing £1400? Are these just normal threats with Red? Thanks
  22. http://i1088.photobucket.com/albums/i325/boogiemaster1967/Lowellballon.jpg
  23. If Lowell's were in the fertiliser business they could supply the world forever and that's why they say don't phone them because they come out with so much crap they start to believe it themselves. They pull your credit report to see what you currently paying to people so they can see what your paying out. They ask you if your working and if you own your own home now.
  24. Debt collection awards should be tied in with porno awards and the 'naughty word' goes to Lowell's. Biggest 'backside' goes to 1st credit. But I'm sure you guys can come up with who really should win?
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