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Kappers

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About Kappers

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  1. with regards to #post30 I don't know to respond. Going of their last letter I have 30 days to reply otherwise they will proceed with court proceedings. On their original PAP they did respond and send the requested docs back that I listed in the PAP as advised. I waited to see if they would go ahead with issuing court docs as advised. If I complete the 2nd PAP what will they do? Do I get in contact and let them know I have already completed one and they have already sent the docs to me. Will that not just give them the green light to go ahead and issue court papers anyway? I cant find clarification if it is legally statute barred as some go off the last payment date and others from the default letter date.
  2. So can I send the statue barred letter as last payment was 23rd April 2013. Does this make the legal statue barred date 23rd April 2019 or does it go from the official default letter from Capital 1 dated 17th Sept 2013 when they advised I had defaulted. I cant open your stat barred letter on here as it says I don't have permission. What is the best thing to do send a stat barred letter or start the PAP process again?
  3. Yes already sent back once and they did send me some paperwork back that I previously posted on here. I never responded and it went back to Lowell Portfolio who kept sending me letters which I ignored. They then sent it back to Lowell solicitors. Lowell have now sent me another PAP to complete. Should I just complete another PAP they have sent? It seems weird. Maybe they have forgotten Ha ha
  4. Hi After not responding to their last communication back in Jan 19 the debt was transferred back to Lowell Portfolio who started to send me debt chasing letters. They then sent it back across to Lowell Solicitors who have now sent me out a letter of claim with the pre-action protocol form to complete again giving me 30 days. Is the debt statue barred yet as last payment was 23rd Apr 2013? Please can I ask what to do now. Do I fill in the PAP form again requesting the account paperwork again? Lowell Cap One 060419.pdf
  5. Hi After not responding to their last communication back in Jan 19 the debt was transferred back to Lowell Portfolio who started to send me debt chasing letters. They then sent it back across to Lowell Solicitors who have now sent me out a letter of claim with the pre-action protocol form to complete again giving me 30 days. Is the debt statue barred yet as last payment was 23rd Apr 2013? Please can I ask what to do now. Do I fill in the PAP form again requesting the account paperwork again? Lowell Cap One 060419.pdf
  6. Was thinking of an SB letter but am not sure. Yep I did ask for advice and would like some on what to do next with the response/papers that Lowell Solicitors sent me. Do I just go ahead and pay somehow..... Can anyone give me some advice please
  7. Thanks dx100. yes my thoughts were it should be SB'd May this year. I cant access the library on here to use the letters and no response from admin how to register. What do you think. Do I just wait now and see what happens after 30 days or set up a payment arrangement. I cant find out the right advice what to do.....
  8. I have scanned again and it is a bit clearer. The text is so godamn small on the capital One agreement but readable with my glasses on! The transaction details are just on plain paper with no company heading so could these be made up? Can someone advise if they have sent all the required papers I requested in the completed Pre action reply form back on 18th June 2018. Having only received their response back on 2nd Jan 2019 is this acceptable? Please advise as I am unsure how to respond to this and have been looking for info in the forum. Kappers SRLI_SVH_KO19011109550.pdf
  9. no the original copy is readable but I have tried to get the upload clearer. Any advice on next step?
  10. Hi In response to me sending back the completed PAP to Lowell Solicitors back in June 2018 I have now received a letter from Lowell Solicitors enclosing copy of agreement, default notice & notice of assignment. Please can someone advise what I should do now before they continue with the Pre-Action Process? I had completed sections D and Section I of the PAP back in June 18. Lowell Solicitors response 2nd Jan 2019.pdf
  11. No worries. I didn't think this was the Lowell financial address - google tells me it is capital One head office (Trent House, Station St, Nottingham NG2 3HX) post #3 I need to send to Lowell financial who have bought the debt from Capital One. Just need the Lowell address if anyone knows it or do I just send to the PO Box No? PS hope the socks were clean
  12. That what I understood CCA goes to Lowell Financial. I must be missing something here as there is no address in post #4 just a link which takes me to the PAP protocol page. I'll just send it to both the PO Box No at Northampton and their head office in Leeds I guess.
  13. Thanks. I have read the links and done the CCA letter using the template. Completed the PAP following the instructions on the link. My concern is where to send the CCA for Lowell Financial. Do I send to the PO Box No in Northampton or their head office at Savannagh Way in Leeds? The address at Trent House in post #2 is for Capital One. Just wondered why I would send it there as they are the original creditor and not the DCA that has bought the debt.
  14. Is this Capital One at Trent House, Station St, Nottingham NG2 3HX? Please can someone help. I thought the CCA had to go to Lowell Financial and the PAP back to Lowell Solicitors. I am unsure of Lowell Financial address as just have PO Box No in Northampton but though Lowell Financial were in Leeds. Can someone clarify.
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