Jump to content

2021Oops

Registered Users

Change your profile picture
  • Posts

    46
  • Joined

  • Last visited

Reputation

0 Neutral

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Yeah I thought so, honestly I dont care about the emails, its an old address thats 99% spam of some sort, I only read the last one because of the subject then it followed with a letter. Will leave it for now then
  2. 4 accounts now owned by Lowell. All 4 defaulted mid to late 2020, last payments early to mid 2020. All taken out in the last 8 years via online application so no signatures I dont think. Accounts were Argos, Vanquis, Jacamo, Capital one I think. Total debt roughly £2700. They have sent millions of emails mostly very friendly in tone, I had moved 3 times since late 2019 so no doubt had letters going to various addresses and after a scare with Cabot taking me to court last year I updated all addresses in September. They have acknowledged this and proceeded to send endless relatively harmless letters for all 4 accounts, however in the last few weeks they have started sending for just 2 accounts on the same letter and the tone has changed + the speed has increased. For example 4 emails and 3 letters in the last 7 days. Last 2 have mentioned legal action. Latest was: "We are considering legal action" the whole tone is notably nastier although I know from older debts that they can consider and say they might do anything but doing so is another thing although I know Lowell do follow through. At what point should I send a cca for these 2 accounts? I think its the Jacamo and Capital one they have stepped the pace up for. Strange that they only mention the 2 accounts. Thinking this would if nothing else slow the letters a bit. Cabot took 18 months to find the agreement and proceeded to take legal action immediately so yeah this is another worry.... Can they actually sue for multiple accounts together or would they need to do individual claims? Any further thoughts?
  3. Yes sorry. I dont remember exactly what happened but a couple of days before the court date I got a letter from the solicitor saying the balance was £72 and they wont be pursuing it further then a week later a statement from Cabot stating I didnt need to do anything.
  4. Just to update the thread, paid the agreed lower settlement amount a week in advance of court date and debt is now settled. Thanks to anyone that gave advice here
  5. Interesting, the redirection address is my dads and he's lived there for 50 years and I lived there for 28 years + know most of the managers in the sorting + post office fairly well on a customer basis so maybe they have some discretion?
  6. Boo + Dx, thanks Yes I will try and have a read around. As far as the redirection thing my other claim from Aqua was redirected. Maybe that was my local office making a mistake? Ethel its headed specifically Letter Of Claim but yes I knew from before they were required to send a letter before action.
  7. I have moved, I'm a month from the end of my Royal Mail address forwarding. I guess I need to let them know along with other creditors. Actually can I ask, how would I inform a creditor ive moved address without admitting to a debt?, I think I have about 5 now all with Lowell as well as a couple of others. I was thinking of just writing with my previous address and literally asking them to update it. This protocol lines up with what was in the envelope. I honestly think the amount is about right but if I can get them to accept the reduced offer from June and repay at £20 a month I'd be all too happy to do so in order to just nip it in the bud. Maybe then in a few months I could make a final offer or something then?
  8. No, its an actual letter through the post but its the first thing ive had in writing for maybe 8-12 months, like I say endless emails from various dca's or creditors appear in my inbox most weeks. I will scan the letter in.
  9. Am I right to assume this is important, not just a scareogram?, same as a letter before action?. Annoyed as they've not written once, have had emails from EE and other companies but I genuinely had a phishing email from EE today so for obvious reasons take no notice. Amount is about £750, seems high considering I defaulted on £240 but then I know they can charge the remainder of the contract. They did offer £200 off in an email im now seeing a couple of months back at £20 a month which is affordable and it also says in this letter they may consider previous offers still. I'm in a situation where im now trying to deal with what were mostly Covid defaults in order of priority and at as low a cost as possible, I did default several accounts in a short period and am hoping some might time out. Situation is a bit better than even 12 months ago and would really like to come out of this without ccj's Is there anything I can do here?, it definitely doesn't just look like a normal letter, ive had millions.
  10. Yes this was my plan, I suspect it’s because the previous letter stated paid in full by the 29th so they are extending that date to 5 days before whatever date the hearing is. I’ll send £500 on Tuesday and inform them of my plan to clear it before the hearing.
  11. Just received this email from solicitors in response to my request to pay over 3 months. ------ As you are aware, an application has been made requesting Summary Judgment and the matter has been transferred to Warwick County Court, however, we have not yet received notice of the hearing date. Our client is still happy for you to pay the settlement offer; however, it needs to be made prior to the yet to be listed hearing. Should the settlement set out in our previous letter not be received in full prior to 5 days before the court hearing then we remain instructed to conclude court proceedings. We can confirm that we are not instructed to halt proceedings on the basis of instalments, but if the total settlement sum is received in advance of the hearing due to be listed (whether made in one payment or several payments) then it will be accepted as settlement. We enclose a copy of our information sheet which includes our bank details and information on how to pay. For the avoidance of doubt, our client does not intend to ask you to pay more than you can afford or to put you into financial difficulties, it simply needs to protect its position with regards this outstanding debt, and these Court proceedings need to reach a conclusion. If the debt is secured by way of a County Court Judgment, a new and affordable arrangement can be discussed. If you have any questions, you are welcome to contact our offices on the details within this letter. If you are unsure as to the court proceedings, we suggest you seek independent legal advice. ---- Any thoughts on this? I plan to just make a payment next week and stick to my reasonable offer. Should I tell them this? Any ideas on the timeline here?, its 2 weeks since I got the letter from the court. I just want to keep the due amount where it is and avoid the ccj at this point.
  12. True but I assume at this point they hold all the power and have done the digging so no need for them to be too generous. + a day ago I thought it was going to be £1800+ so dont wanna push my luck. Also I know how I am and having a strict target will motivate me more than it becoming another monthly payment.
  13. Honestly I would like it out of the way asap, it might not even take the full duration. I can do this for a short duration and honestly 2 or 3 large chunks suits me better than an ongoing smaller chunk every month
  14. Ive just received an email from them offering a settlement figure of £1448.22 by the 29th of this month but they also state they would listen to alternative offers. I honestly cant find that much by that date but ive offered back with 500 + 500 + 448.22 spread over 3 months. Hopefully that might just do it. Something strange, that is actually less than the original claim?, honestly that this point id take the original amount over 3 months but will see what they say.
  15. Just had a surprisingly nice chat with them. she says wait for the claim form from the court as its too late to do anything else now but also that they will likely work with me and to call back then. I'm a bit confused still tbh, court stuff is always so vague. The way she was talking was like I'll get another claim form to fill in again and defend or admit, in that case what is all the summary judgement stuff about? surely that means judgement against me with no grounds to defend? Obviously she wasn't the solicitor and did put me on hold while checking some stuff so hopefully wasn't a total fob off. Hopefully broke some ice. I think my best bet now is going to be to get as much cash together as possible asap in the knowledge worst case I have some time even after judgement to avoid a ccj. I'll update here as and when.
×
×
  • Create New...