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PJMCM

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  1. At present there is no "conclusion" to speak of. Things are still ongoing but let's just say I'm not as worried as I was a few months back. I'm fully aware - and appreciative - of the fact that people give their time and knowledge voluntarily, and without recompense, on this and most other forums. I used to do so myself on a very busy guitar-related forum. I tended to mostly frequent the "newbie" areas, as I enjoyed imparting the knowledge I had and also enjoyed seeing people grow as they learned. I was put off that forum, funnily enough, by similar posters to DX. Unfortunately guys
  2. And you for one will never know. Your wee sarcastic digs are the reason I haven't kept this thread up to date and never will. If you think I'm posting on here so that you can post wee smileys and try to look smart, then think again. There are plenty of web resources available where people can get sarcasm-free advice you know.
  3. Thanks both... @fkofilee I didn't see anything on any of the CCA docs which indicate they were issued in England. I assume that, as the alleged debts were incurred in Scotland - ie where I lived at the time and still do - then Scottish Law applies. I am aware of the 5/6 year Statue rule (Prescription & Limitation here in Scotland) but none of these are at that stage yet. @andyorch appreciated...
  4. Andy, You asked "please lets deal with the problem to hand.". Can you elaborate please? If you're talking about the original query I came to the forum with, then that's exactly what I was trying to do! You will see in the thread that DX advised that I should just ignore Lowells as they were apparently not familiar with Scottish Law or something. Whilst that's easy to say, it causes me concern as I don't know exactly which parts of Scots Law DX is referring to. It's me who's at risk of ending up in the courts, so whilst I would love to be able to just ignore Lowells
  5. Andy The laughing smilies were in direct response to a comment I made in a previous reply. I appreciate that everyone here volunteers, and also appreciate any help that I - and others - have received. However, sarcasm is, in my ever-so-humble opinion, unwelcome, unprofessional and, in this instance, unnecessary. Even worse is that the wee sarcastic smilies were posted by someone who is supposedly part of the "Site Team". Sorry if I caused offence, but my opinion stands I'm afraid.
  6. I didn't actually think there was a Scottish version of the CCA, hence my remarks in brackets... "(or whatever part of the Law applies)" The wee sarcastic smilies were therefore unnecessary. They're also not smart or clever - (edit ) TBH. I came here looking for sensible advice as it seemed to be the best forum I found on the subject. To make glib comments like "the way they describe how Scottish legal system works is wrong" is easy but really needs to be qualified, which is why I asked for clarification on WHY they were wrong. Obviously I was maybe unlucky in that the resident
  7. @dx Thanks for the advice you provided on this thread re Lowells, it's very much appreciated. I'm a bit confused though... There are obviously parts of Scottish Law that I'm unfamiliar with, as I thought that these three CCA docs which Lowell provided were legit and that they were therefore entitled to chase me for payment. Maybe you can help by letting me know which parts of the Scottish version of the CCA (or whatever part of the Law applies) they don't adhere to?? I'd love to ignore them as you advised, but worry that they may still be entitled to enforce
  8. No idea about interest rebates unfortunately. Provident were pretty lax with loans if I remember right. My ex had a pal who was friendly with their agent. What happened was that the ex would call her pal and tell her how much was wanted. The agent would appear maybe the next day with the cash and the agreement/s. I don't recall any affordability checks being carried out. Absolutely mental in hindsight, but those were desperate times, to say the least!
  9. On the top right of each agreement scan there is a different reference number, which I redacted. So although a few were issued on the same date, there are 5 in total. And finally....communications re the alleged Creation Finance debt. Again, I think everything identifiable has been obscured and I've protected the PDF ....jeez, too much to remember!!! Lowell offered two discounts again of 40% and 60% before I requested the CCA. Strange thing is that I can find no trace of this debt on either Experian or Noddle???? Lowell_Creation.pdf
  10. Yes, there were discount letters, but I didn't upload to keep the file size down. I'll upload these later if you think they're necessary. All separate agreements I'm afraid. Discount letter attached. There was only one with the Provi stuff - thought there were two. Should be 5 loans in total??? And yes, on most occasions - if not all - if I remember correctly part of the new loans was used to clear the balance/s on the previous loans. Comms re alleged Vanquis debt attached... .(I trust that this is edited/redacted properly - I can't see anything identifiable left
  11. Sorry for the delay, but I've now attached the latest communication from Lowells re the alleged Provident debts, along with the CCA docs they sent in response to my request. Advice gratefully accepted..... Similar comms re the other claims will follow as soon as I can get them scanned etc.
  12. Thanks - no panic, just concern obviously and a desire to find the best way forward. I wasn't trying to imply that my ex had taken these debts out in my name, just trying to inform of the situation at the time. Yes, she was gambling compulsively and yes, we were taking out payday loans and all sorts to keep food on the table - mostly in my name unfortunately. So much so that I completely lost track. I paid off a load when we sold the house but was obviously forgot about these.. still do if the truth be tolld; it was a very confusing time, to put it mildly.
  13. Think I'm screwed Today I received CCA docs from Lowells in regard to the Provident debts. They look as if they might be genuine and actionable unfortunately. Maybe it's time to get professional help?? That said, I'd like opinion on the following please? They've sent me all the CCA docs in envolopes emblazoned with their name in big letters "Lowell Financial". Could this be in breach of the following sections on the CONC guidelines? The whole world knows that Lowell are debt collectors - shouldn't they be more discrete? I'll post up all the stuff they sent in
  14. Ta....it'll take me a few days to post up the docs. I'll do it ASAP. Maybe I wasn't clear - it's all still a bit confusing. Don't think the ex set these up - I can now recall some of what is being alleged, but not all and not all of the amounts being claimed. I don't recall reading any clause/s in any agreements re sharing of data with 3rd parties. I can perhaps understand the sharing of some data, like my name and address and the debt details, but I find it hard to believe that they are allowed to share my bank details without my express permission.
  15. this might take a while, but here goes.... I split with my ex late in 2012 – September or thereabouts She was a compulsive gambler and got us into all sorts of bother!!. We sold the house and paid off debts etc....or so I thought. A few months ago I started receiving letters from Lowells at my new address (presumably they found me via the Electoral Roll or similar). They were claiming payment for several different debts which they claimed I owed. I thought at the time of us splitting that there may have been the odd debt which was missed (my head wasn't in a great
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