Just sending a letter to Lowell disputing the amount due to charges and offering a small payment per month. Also a letter/ spreadsheet reclaiming charges to HBOS I have been reading around all the threads, am I right in saying that if the D/N is invalid I bring this up when and if they start court action. Thanks for your replies B

Hi, The claim has already been sent to Cat company on the same day, the 26th Sept. I am paying the Cat company, should I be paying direct to Lowell's now, that it has been sold to them, I know they are receiving it as its coming off the balance as showing on my credit file. Regards B

Hi, Back again On my return he has received another letter, failure to respond they may take further action, I wouldn't mind some help with a letter please. Thanks again B

Hi, Yes I did approx 230 of charges including 8%, I have also received another letter today stating that if they dont receive payment or part payment within 5 days they will instruct solicitors, although I sent a letter disputing the amount and said that I will continue to make 5.00 payment per month, this was sent recorded del and signed for on 28/9. The letter received today is dated 30/9, rec today 3/10, ( 1 DAY TO REPLY !!) So now with the D/N being invalid what now ? I am trying not to get confused with each of my invalid D/N especially when they are running together and both with Lowell. Thanks again B

Hi, Yes I did received another page, just didn't upload it. got to go to work now, I will check in this afternoon. Thanks again B

Hi dx, your following all my threads. Having checked the D/N on this account as well I have found that the dates on it don't add up either. Basically it was sent on the Sat 27th March and to pay the arrears by 9 April, therefore not the 14 days to pay. Uploaded for you [ATTACH=CONFIG]46730[/ATTACH]

Hi Thanks for your reply again The balance is just over 2100, and the charges are approx 300, so it will not clear the balance unfortunately. Should I just send a letter disputing the amount at this stage then, I need to send something to them soon, I don't want this to go to court. So when do you mention the invalid D/N, at the court stage ? Advice please Thanks again B

Hi dx Thanks for your reply, have you any ideas how I word the letter to Lowell, regarding this invalid D/N, do I also add that I dispute the amount owing due to the charges. Many thanks B

Hi Andy, Thanks for your reply, you can guess what I thought about it, Oh well just a thought, I will carry on as we were ...... I will be in touch as soon I hear anything Thanks B

Hi again everyone who has helped with this, but I have just come across the D / N again and wanted to ask if this is correct, ( I am asking questions about another account and thought I would check this again ), I will upload tonight when I have more time, but for now. The Default is dated 7 April and states must receive arrears payment by the 24 April, I think this is ok. But I also received a letter of termination on the same date 7 April, giving no time to settle the account. I have both copies, and Arrow Global attached both copies to the CCA Is this correct ? I know I buried my head in sand at that time and all this time didn't even question it, my signed Tomlin order has already been sent to Arrow Global, if this means the D/N is invalid, is it too late to do anything ? Thanks for any answers again B

Hi, Thanks for all your replies, Its taken me a while to get to grips with the uploading of docs. I hope this works Can you please have look at these, and confirm if this is an invalid D/N. Thank you so much B

Hi, Advice please for my hubbies account, he had an account with Halifax which has now been sold to Lowells, I sent a CCA and have received the credit agreement and terms and conditions, all looks ok there, apart from receiving it in 2 envelopes with covering letters, 1 giving 7 days to reply and the other giving 14 days to reply with payment proposals. I have been looking around other threads and have found something that I think applies to him, back in 2011 he received a default letter dated 16/5, asking him to pay the arrears by 30/5 or the account will be terminated, (unfortunately we did not have the funds at that time) he then received a letter dated 27/5 that the account has been closed. I did not notice this before, can I now send a letter to Lowell that I am disputing the account, due to the discrepancy of the default and termination letter, as they have not given sufficient time to pay before closure. This account has been transferred to various DCA over the last 2 yrs, but now has been sold to Lowells I am also claiming back charges and just about reply when I have seen this. Thank you for any replies, B

Hi again, I would love to know what the very good reason is !!, I have never stopped paying them, just reduced the amount, they obviously didn't like it !

I am very cross now, I have been reading a thread, SHOP DIRECT DEPT and its exactly the same as mine, but the outcome is different, sent letter 1 and 2 (as in post) asking Cat Company to except lower payment of 10.00 per month or I would reduce my payments to £1, and both letters had a reply of a flat NO. Within days I had a letter from Lowell, Cat company had sold it on. so for me they did not accept lower payments. Have I got cause to complain to someone ? I lowered my payment to 5.00 per month and have been paying this ever since, and now having to deal with Lowell. Anyway I must move forward on this, letters to send

Hi, Thanks for your reply, I have addressed the letter to Cat company, sending template letter regarding claiming the charges back. I have also started a letter disputing the amount Lowell are asking for, is this the correct way to go ? Shall I offer a full and Final amount at this stage or monthly payments, If I wait to hear back from the cat company I am worried that they may start court proceedings. Thanks B

Ok, I will now send a letter to cat company reclaiming the charges back, and another to Lowells disputing the amount, also stating that I will carry on paying monthly as before, letter will go tomorrow. Everyone agree !

ignore last post, found it now, the amount of charges has come out the same !

Hi, I wonder if you could you show me the link of the spreadsheet to use, I cant seem to find it. Many thanks B

Hi, The only interest they have charged is the "buy now pay later" interest, unfortunately I was unable to pay it off before it kicked in, I cant claim this back can I ? Thanks B

Hi, Thanks for you reply, Yes I have calculated the amount using 8% interest, as they don't charge interest, is this correct? It doesn't wipe it out completely, about a quarter of the amount owing. I am paying a small amount off each month direct to Catalogue. they are receiving it as its showing on my credit file. The Catologue would not accept the monthly payment of 5.00 that I can offer, hence why it was sold to Lowell, I have carried on paying the 5.00. Thanks for any help B

Should I send a formal complaint now, as the amount they are claiming IS showing on my credit file, it includes the charges. confused

Hi again, Sorry having a blonde moment,I have just just checked my credit file again now, its the default amount that is lower than the balance, as the cat have since added the charges which is the amount they are claiming now. No further charges have been added since Lowell have had it. What now ?

Hi, Thank you your reply, I have checked again, and it does have the creditors name in very small writing ( I missed it before) and my details, and yes I have had communication from Lowell chasing the debt, and it was taken out after 2007. My credit file says Lowell own this now and the amount is minus the charges, but on the letter they are chasing for full amount. I am now considering sending a full and final letter.

Hi, I have sent a CCA to Lowells as they are chasing me for a cat debt, I have been paying a small amount each month direct to catalogue, even while paying this they sold the debt to Lowells, or though I have not received a notice of assignment. I have now received a recon credit agreement, it has my name and address on the top, but no signature, date or account number on any of the pages. I have read lots of threads and my conclusion is that it does not matter if they have a recon copy of the agreement, and signature. The amount is for 870, I am just going to send letter reclaiming the charges back of 225 to the cat company. I am not trying to get out of paying this, I would just rather carry on paying the catologue company direct and not to Lowells. Can anyone advise me differently Thanks for any replies B

Well I have an update to this thread now, I sent a letter to Arrow stating that I dispute the amount owing, due to the charges added, but would like to arrange a payment plan for the remainder,, but they want a Tomlin order entered with the court, with me paying for the Tomlin order, and no charging order, so I am happy with this. I wouldn't have been brave enough to go this far without help, so thank you Andy and C B Any thoughts anyone ?