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About tigeress289

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  1. Yes I did have 2 cards but gave them up 3 or 4 years ago. The £290 claim I did have some papers arrive but sent back as never received anything before. So that is why it says that. They just kept upping the limit and just paying minimum+ was getting nowhere.
  2. Just received the first Lowell one yesterday with a bunch of Christmas cards and the second was the one I posted. I still do not know what DCA stands for please? letters.pdf
  3. I always thought that credit cards were unsecured debts? If a CCJ were made can Bailiff's then be used?
  4. No not at all but still having problems with Royal Mail as they have us listed wrong as they changed it for some unknown reason a few years ago. Our mail has been bad for at least the last 3 years.
  5. I have received a Lowells letter which is from someone who says they are the handler of my account with Lowells. They have attached a copy of agreement, default notice. ' It states that their client has now issued legal proceedings against me that could lead to a County Court judgement being entered against me. To avoid the following I can pay a lump sum of £290 or £405.88 in 6 monthly payments. There is a copy of a capital One statement that says I am £72 over limit and a default notice issued dated 3/4/17 and another dated 6/5/17 stating I owe
  6. I do not know if this is OK to post but who are Lowells and what is a DCA. I ask as I have a letter from them saying I owe them £475 or £290 if I pay now from an old capital one card. I think they are also after payments from SKY and Virgin who I cancelled years ago as they broke the contract and over charged as I agreed only to a fixed rate. The Capital one they want to take me to County Court. Should I be worried?
  7. Sorry for delay but personal issues to deal with. I cannot believe that as that is exactly who phoned? Will do that now, thanks.
  8. Thank you, To be honest its been such a bad year and only just started using my mobile again as I let someone use it as its on contract and we just isolated after losing someone very close in June. When I answered the phone it totally through me and when I phoned the company Moneyway, the guy I spoke to was not listening at all and had an attitude that if they send a letter out to someone, a Court accept that as proof I received it even though I had not. It just caught me by surprise that he could just make an application to the court and they would rubber
  9. I am looking for advice on Car HP debt during the Coronavirus crisis. I isolated in March 2020 as things were starting to impact as no work and went behind a month on car finance. Sent the company an email to ask for corona payment holiday but heard nothing back. Still tried to make payments as and when I could. Received a phone call last night from a recovery company seeking possession but first I have heard of it. Phoned company straight away and spoke to the most unhelpful person ever. He informed me that I had defaulted and they wanted the
  10. Have to totally agree with above post. You have to forget it and move on as there is little you can do. Put it down to experience.
  11. Yes , I have just re checked and it is from a different address and the person and email is included. I will put together a letter now and send it direct. Thank you
  12. Hi, my brother car is a Toyota hybrid 6 seater. He changed his insurance to business to try and stop getting his car towed away. Technically it was still covered by his own insurance once the items were removed, adding business cost him £37 extra to save £150 seizing and the time to go and get it. He is a pen pusher and he never took the insurance out 10 mins after I was stopped, it was longer but that is the time on the offer notice. However, I did not know that at the time and would have argued for them not to have seized the car. I phoned him after the officer said I wa
  13. paid by my personal debit card in my name. If I paid cash the invoice is cash no name. The stop was one of them random pull over a couple of cars at a time. One thing I forgot to add, on the conditional offer notice it states, On the 16/06/2018 at 14:05 hours. I had already phoned my brother to tell him the officer has mentioned business. Having checked I have just seen my brother amended his insurance to add business at 14.15 hours. Could I have stopped them seizing the car then if he had told me..
  14. That's the joke, it was a cash , cash and carry with no membership. The officer didn't even ask which one or to see receipt.
  15. Thank you, I do have an idea of what I said but fail to see how the officer could state I was not insured. I have always had insurance as is the same with my brother. As for the attitude, I could have told him I owned Tesco's as I couldn't believe I was going to have my brothers car seized. On the appeal front, I have never trusted the law. Many years ago I was taken to court for speeding on Tottenham Court road. I had watched the police car drive by me as I was sitting at lights at the beginning of it. Further up I passed the police car on the inside as the traffic was slower where
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