Showing results for tags 'lowell'.
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Hi every one i received a letter form Northampton county court business centre on the 28th august form Bryan Carter and the clamant being Lowell. it reads I have acknowledged the claim on line and have decided to contest all of the claim. i understand i have 5+14 and then 14days to send my defence. i today i will be send a CPR 31.14 to lowell and Bryan carter. lowell with the fee of £1 for printing cost and the same letter to Bryan Carter. it reads http://www.consumeractiongroup.co.uk/forum/showthread.php?387484-LEGAL-CPR-31.14-Request-Request-for-information-when-a-Claim-has-been-issued. sorry for the long thread can anyone help please -
Hi all I have just received the following claim form from Lowell (Bryan carter) regarding an old bank account I had with HBOS: Claimant name: Lowell portfolio ltd Issue date: 18th June 2015 P.O.C: The claimants claim is for the sum of £206.99, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant HBOS PLC under account reference 804xxxxxxxx257 and assigned to the claimant on 3/7/2013, notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. And the claimant claims £206.99 The claimant also claims statutory interest pursuant to S.69 of the county court act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 16.57 The total amount being claimed is £298.56. First of all I want to say that I intend to defend this claim in full. In July 2008 I received a letter from HBOS stating that I had gone overdrawn on my account. I was told that I would receive bank charges of £35 and a further charge of £28 for an unauthorised overdraft fee. As I did not agree with these charges I wrote to them explaining that my account did not go overdrawn (According to the online banking system) After a week or so I received a reply stating that as a gesture of goodwill they would agree to remove the charges in full. The following month I received my new statement and the charges will still there I did try to explain to them that I had a letter stating that the charges had been dropped, but I didn't get anywhere with them This then spiralled into the above alleged debt which obviously I don't owe. I did receive a default notice, although I can't find it at present. I have the copy of the letter they sent me stating that all bank charges would be removed from my account. As you can see this goes back almost 7 years. I take it this would not be statute barred ? Does that apply to this ? I would appreciate any help on submitting a defence or if there is anything else I should do. If you need any more info then I will do my best to supply it. thanks Lee -
Hi I am new to this forum and would like some help on a Court Claim form that I have received this morning Name of the Claimant ? Lowell Portfollio Date of issue – . 24/04/2015 What is the claim for – Shop Direct This claim is for 2661.55 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods This debt was asigned to/purchased by Lowell Portfolio 1 Ltd, on 14/02/2011 and notice served pursuant to the law of property act 1925 Particuals Re Shop Direct A/C xxxx And the claimant claims 2661.55 The Claimant also claims statutory interest pursuant to S.69 of the county act 1984 at a rate of 8% per annum From the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to 212.94 What is the value of the claim? £3059.49 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue Account When did you enter into the original agreement before or after 2007? Unsure Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. No was issued by Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Possibly Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Loss of employment What was the date of your last payment? unsure prob abt 4/5 yrs ago Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt managementicon plan? No I am not sure that I have done this correctly, I am struggling, sorry -
Quick Question, I got a letter about an alleged debt with Lowell from Lucas. I sent a CCA request with a £1 postal order, got a letter back a month later saying "No payment was enclosed, so your request can't be dealt with" (Appears to be a tactic to get a phone call to complain... I didn't bite) Then I get a copy of an online application form for a credit card from the CC Company a few weeks later Then a few weeks after that, I get a statement of account for the same credit card, with a copy of the online application form. Then yesterday I get a letter asking me to pay for a 60% discount if paid in 1 go, 30% if paid over 3 months or 0% if I make a longer term payment plan. I looked and the last payment was over 6 years, and also the account was "Closed - Writeoff" by the CC Company over 6 years ago too. Am I right in saying this is Statute Barred, I have made no other contact with them (Or any other DCA) apart from the single CCA request? Thanks in advance. -
Hi there I am brand new to this forum so I'm looking for advice in regards to a matter that I have currently ongoing. Back in 2012 after I had gone overseas for a funeral, by my own admission I had forgotten to turn off the data on my phone so this at the time ran the bill I had with orange up to nearly £700 at the time. At first orange were willing to comprise and set up an agreement to get my phone back up but after telling me that I would need to pay nearly £500 just to get my phone back on, I refused as I couldn't afford that at the time and it made no financial sense me an orange eventually parted ways and I never heard from them for the rest of 2012 apart from the disconnection letter. Then from 2013 to about the beginning of this year I received around 7/8 letter in total from what I can count that were in relation to this matter but from different debt companies such as BDO Collections and eventually on to Lowell. From around June this year though, Lowell have been trying to get this matter to court pursuing me for the debt. They sent me a letter from Bryan Carter Solicitors saying they were looking to go to court over the matter and I replied back saying that because I have never had a debt with Lowell that they should not be pursuing me for this debt. Since then I got a letter from the Small Court Claim and Northampton Crown Court. I replied back to both letter saying I have never had a debt with Lowell directly and that I should not be going to court over a debt I am unaware of. Lowell have even gone to the lenghts of putting a default on my Credit Report (See Below), even though I have a default with Orange so it looks as if they are trying to give me a default on the same debt, which Im sure they cannot do. Other accounts LENDER BALANCEUPDATEDSTATUS Orange Brought To You By Ee £ 952 13/07/2015Default Nwb Current Accounts £ 0 05/07/2015Up to date Shop Direct Finance Company LTD £ 1,395 01/07/2015Up to date O2 Uk Limited £ 0 01/07/2015Up to date Lowell £ 1,403 21/06/2015Default Now I have received a letter this week saying that I have a hearing on the 8th October at County Court at Birmingham Civil Justice Centre, The Priory Courts. I am here for some advice in terms of what to do. I have been looking on numurous forums such as these and it seems what Lowell are doing is illegal in terms of trying to enforce a debt with people when the debt is not with them directly. Is there any good advice that you can give me in terms of going forward. Ideally I dont want to pay Lowell at all and think they are pretty much con artists when it comes to this. I have been told about mediation as well. Also will they be able to apply for an AOE from me if this goes all the way. I only thought that would apply in Child support cases and cases with a bank etc. I look forward to hearing your responses. Kind Regards in Advance.
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Hi there, Received a claim form from Lowell via Bryan Carter this morning. Going to acknowledge the form and send the CPR 31.14 request but wondered if there was any more I need to do at this stage. Do I also do a CCA request or is that included in the CPR 31.14? thanks in advance Name of the Claimant ? Lowell Portfolio Date of issue – 24 March 2015 What is the claim for – the reason they have issued the claim? The claimants claim is for the sum of £2840.41. Being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Vanquis under account reference xxxx and assigned to the claimant on 01/07/2014, notice of which has been given to the defendant. The defendant failed to to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. And the claimant claims £2840.41 The claimant also claims satatutory interest pursuant to s.69 of the county act 1984 at a rate of 8% per annum from the date of assignment of the agreement to date but limited to a maximum of one year and a maximum of 1000 amounting to £164.99 What is the value of the claim? £3005.40 court fee £185, sol costs £80 total £3270.40 Is the claim for a current account (overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? 2011 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. assigned to Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? I can't remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Financial difficulties What was the date of your last payment? Not sure but probably late 2012 early 2013 Was there a dispute with the original creditor that remains unresolved? No dispute but I did do a CCA request which was ignored. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No management plan but I did inform Vanquis of my difficulties -
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Well more interesting news from the Grapevine... Interesting... I wonder if it means that BC will be bought out or if they will go from scratch... -
Hello everyone, Thanks for all your help in advance! To cut a long story short, my partner is already paying a debt to Bryan Carter to avoid a CCJ as we didn't receive the claim form till the very last day of judgement. But now they're literally chasing him for two other debts (one in dispute, already submitted SARS to Lloyds) but this 'new' one that he has no knowledge of and it's not even on his credit file. He contacted Lowells 2 months ago to state that he has no knowledge of the debt and they also checked his credit file while he was on the phone and the advisor confirmed that there is no record of the HFC bank debt on his file; so advised they will get a copy of the signed agreement. Last month received a letter confirming that they're still awaiting a copy of the agreement and it make take a while, thanks for your patience etc. On Friday received a letter dated 12th May 2015, stating; "As requested, we enclose documentation from your original creditor. We trust that this now answers your query and look forward to receiving your affordable repayment proposals." However, the document they have attached is literally what looks like a photo copy of a bank statement from HSBC; Confirming his address, about your credit agreement etc and about your transactions. I can attach a copy if you need? They're literally stressing me out as clearly this does not answer ANYTHING! Just wondering what my next step should be, as I'm worried they will just issue proceedings and after speaking to National debtline the advisor told me that they don't need to provide a copy of the agreement as a Judge may take favour upon a statement!? And that maybe I should consider sending them a letter called 'complaining to debt companies that you do not owe the debt" So yes, any help would be massively appreciated. Thanks -
Hi i am new to the forum and would appreciate any help or guidance through the tough battle i have on my hands. i have recently received a letter from Bryan carter solicitors i have attached this. this is the first letter i have received regarding this issue from Bryan carter i have never received any correspondence from the court regarding any court appearance or debt acceptance form. i have not even received any confirmation from the court regarding the award of the ccj to Bryan carter or the amount set as per the repayments. the debt is for private photography images that were never accepted and sent back to the supplier back in 2007. I have never been in receipt of any further correspondence with the digital media supplier and have never acknowledged any of this debt since then. I now want to have this ccj set aside and to formulate a defence against Bryan carter in a view to have the debt cancel due to being statute barred and mainly due to the fact the product was returned and the claim should never have been set against myself any help with this would be much appreciated and i want to get a letter out to both the court and Bryan carter this weekend thanks in advance Rebecca -
I would be so grateful if I could get some advice please as to how to proceed. I have been through the forums and managed to totally confuse myself now and am panicking over what we should do. A CCJ claim form arrived for my Husband in regard to a Lloyds CC debt dating back to 2010. The original debt was for £1250.19 and has now increased to £1619.82. He knows he owes them money. They might owe him money to in regard to the charges piled onto this cc account including a monthly cc insurance protection fee. The question is how to proceed and after reading through some of the threads I am not at all sure now. If he completes N9A does that mean that he would have no recourse to claim back any monies owed to him? Sorry if I am rambling but I have managed to get myself into a right state over this. I have a long term illness and he looks after me I want to help him as much as I can. -
Hope someone can help with a 50% discount offer I got from Lowell last week on a credit card account they purchased from HFC some time ago. "Once payment or the final instalment is received, we will update your credit file to show the account as partially satisfied and we will close your account." The account was marked with a Default Notice back in 2010. At one point, in response to my request, HFC provided a copy of my signed application form which, reading other threads here, does contain all the prescribed terms, despite being from before 2007. I'm thinking that I can either settle for 50% now and let the DN drop off my credit report next year, or else take my chances and hope that they don't go for a CCJ for the full balance before the statute barred date. 1. Pay nothing (if I don't accept the offer, and they don't go to court before SB date - is this wishful thinking?) 2. Pay 50% (in response to this offer) 3. Pay 100% (when presumably that's what they win in court if their ducks are all in a row) Am I missing anything? -
Hi there (I apologise for the essay in advance) I'm requiring some assistance which seems to be somewhat of an emergency at the moment. While I was at university I had a student account with Lloyds TSB. Everything was fine and there was regular money going into the account , however towards the end of university I had accrued quite a significant amount of debt (as most students do) and as my student account became a graduate account I had gone over my overdraft limit by a few pounds and I had started incurring overdraft charges that were equating up to a substantial amount. I made a small deposit into my account in 04/2009 and that was the last time I used my account, from then on the charges carried on going, however I didn't use the account whatsoever. The closing balance for the account was around £2300 and the account defaulted on 12/11/2009 according to my credit report. This account has been passed around to various DCAs, but was bought by Lowell around 3 years ago and they have passed it around to their other companies (Bryan Carter etc.) I have never made a payment to this balance and I've never claimed that the debt is mine. I sent Lowell a prove it letter a few months ago and they responded in May 2015 by sending me a copy of the last few months of bank statements for the account with Lloyds TSB. The statements also stop at 11/2009. Lowell since then have been sending me letters every week or every two weeks, and last week they now claim they are trying to "escalate" the situation. I'm unsure if this debt is already statute barred or if it will be on 12/11/2015, my concern is that should I send a SAR to Lloyds in order to obtain any information as to when the overdraft was officially withdrawn? and if so should I contact Lowell in order to tell them I have requested additional information from Lloyds. Thank you for taking the time for read this. -
Hello, Please could I have some advice? I've just received a default judgment for a Lowell debt (well, the ccj is dated last month, but I have my post redirected from an old address back to my parents and I've only just gone to visit). I did know I had an outstanding debt from a capital one card, (but for some reason I still receive e-statements from them). They've sold the debt off to Lowell (for £2,552), and I've just had a letter saying that I have a default judgment against me. I have had no correspondence prior to this from Lowell, such as a notice of default, nor have I had any papers come through that would have enabled me to submit a defence. The judgment paper and the letter from Lowell were sent to my old address but redirected to my parents house, however I've not received any defence papers. Is it the court or Lowell who would have sent them? (Just to add, I've had a few problems with the Royal Mail's redirection service before, as not all my letters have been redirected back to my parent's address. Having said that, it seems funny that I've received the notice of ccj and a confirmation of the ccj from Lowell, but received nothing that would have warned me that they were submitting a claim for a ccj. I've had a look at my credit report and it appears that the debt was bought in oct 2013 for £2552, but the judgment is for £2849, (plus another £207 for costs) so I don't know why the debt has increased? Could I have it set aside for punitive charges? Also, it appears that they bought the debt in October 2013, but I moved from my old house at the end of October 2013, which is why I didn't have any knowledge that they'd bought the debt in the first place, so I couldn't have told them of my new address because I didn't know that they were chasing the debt. The only other letter I've received pertaining to this is one that was dated after the ccj was served, saying that a ccj was entered against me and I have 30 days to pay in full (the 30 days are up), otherwise it will remain on the County Court register for 6 years. Please could I have some advice on applying to have this set aside? Many thanks -
Name of the Claimant ? Lowell Date of issue – 24th April What is the claim for – The claimants claim is for the sum of £400. being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Vanquis. Under account ref XXXXXXX And assigned to the claimant mid 2013 Notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with Claim under consumer credit act Assigned Failed to maintain repayment (original creditor not DCA) Default notice What is the value of the claim? £500 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Credit card When did you enter into the original agreement before or after 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP Were you aware the account had been assigned – did you receive a Notice of Assignment? Did you receive a Default Notice from the original creditor? Don't know Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Don't know Why did you cease payments? Financial difficulty What was the date of your last payment? Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No
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I received a claim form for an old Lloyds overdraft yesterday. I was hoping that someone would be able to advise me on how to proceed. I will try and give as much information as possible using the template Lowell Portfolio I Ltd Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. Date of issue 23/06/2015 + 19 days ( 5 day for service + 14 days to acknowledge) = 12/07/2015 + 14 days to submit defence = (33 days in total) - 26/07/2015 ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE OF THE CLAIM IS DAY 1 [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total What is the claim for – the reason they have issued the claim? The claiments claim is for the sum of £1200, being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Lloyds and assigned to to the claimant on 03/07/2013, notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with And the claimant claims £1200. The claimant also claims statutory interest pursuant to s.69 of the county court act 1984 at a rate of 8% per annum from the date of assignmentof the agreement to date but limited to a maximum of one year and a maximum of £1000 amounting to £94 What is the value of the claim? £1400 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Overdraft When did you enter into the original agreement before or after 2007? Before 2007, The account I had had since 1996. The last overdraft agreement I had was in 2005 I think Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No idea, I've never received any recorded delivery letters from them Did you receive a Default Notice from the original creditor? No idea Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No idea Why did you cease payments? I was heavily in debt and sharing a house. Everyone else moved out and i became liable for the whole rent and council tax at the time, it took up most of my wages. i would have become homeless if I hadn't stopped paying What was the date of your last payment? I haven't used the account since 2007 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No, I have had no contact since 2007, btw this was a joint account. I would be very grateful if anyone knows the best way to proceed. -
hi in need of some advice please, anyone who can help I received a letter last year from Lowell and stupidly ignored it because I couldn't remember the debt. I received another one 13/7/15 saying that id failed to make arrangements to pay etc.. . and it is passed to bw legal and to make contact with them. I sent a short letter asking for details of this account etc...(shop direct )to bw . bw legal letter that came with lowells letter stated they have been instructed to commence legal action if no response or payment received by 29/7/15. I sent my response recorded delivery and I received a letter back from bw legal saying thanks for the letter we received it on the 29/7/15 etc.. . we have referred your request to original creditor. today I have received a county court claim form issue date 30/7/15. they have added interest and other costs if I owe it I will pay it but id like to know what im paying for first. many thanks
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Hello, please could you read through the attached documents and let me know if the CCA is enforceable and also, what should d be my next step with Capital One stalling in providing me with the Information I requested using the Subject Access Request. They have used excuses starting with You haven’t paid the £10. I had and I wrote back to inform that I had proof. Then they wrote back to say: you haven’t signed (which I didn’t I used a printed signature on word) and that the address is different to that on our records. This is amazing because they have been sending me letters /statements and new Capital One cards to this my present address for nearly ten years. I had mentioned in my SAR that if they refused I would escalate this to the Information Commissioners Office & if my complaint is upheld they would d be liable to a £5000 fine. So looks like I may have to go ahead and fill out the complaint form. What do you think? By the way, I have copied all the letters they have sent in response, so quite a few documents including one that is lengthy and looks like they recently typed it up and claim that it is part of my CCA, which by the way they finally found a signed copy of and sent along with the lengthy so-called CCA Act1974 documents. Your help and assistance is greatly appreciated. Thank You p.s I forgot to mention the account was opened in 2004. Also. Does anyone know how to make the documents bigger? I saved them also in photbucket but got an error message when I tried to attach them from there. Thank You Hi, can some one take a closer look at these documents. I've tried to get them all scanned.There are more documents to upload, but need advice as no one seems to have responded. I've now attached the rest of the last 3 pages of the "so-called" terms and conditions that was sent with the letter and suddenly discovered signed "CCA". Please note, all 5 pages of the "CREDIT AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974" - Terms and Conditions, ALL have the SAME Page number at the bottom left hand corner and that is ' V10# '. CCA1.PDF SCAN0001.PDF SCAN0001q.PDF SCAN0001r.PDF SCAN0001s.PDF SCAN0001t.PDF -
Hi, I have read through the forums and online and I am unsure what is correct regarding an Overdraft. The most recent letter from Low Life's is asking me to contact them before 11/07/2015 or they will take legal action blah blah, I think they actually mean it this time. I called up HSBC and they said the last payment into the account was September 2009 so it's not quite SB and that is my question what is the SB date on an over draft? Cheers, Flappy
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Hi, today I received a single letter with 2 headed papers in one stating I owe £200.36 to contact the other to make payments. I don't know what it is for I've checked my credit report and there's nothing regarding any of these names. It states the original company name is Redcats Finance Ltd. Could anybody help with some advise? Thanks!!
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Sham one folks, please see below a copy of a letter I received from Lowell, I did start to pay this debt via Payplan before I found this forum. The debt is a credit card with Capital 1 for just under £400. I stopped paying and told them I wanted my CCA and my SAR which I still have not received, I was hoping somebody could advise me on what my reply should be, I am also pretty sure that they should not encourage people to pay by credit card e.g., Encouraging people to take out more debt. I also have the same letter regarding an Egg account even though the CCA they sent me is not valid We are disappointed that you have failed to keep up to your payment arrangement that you promised you could afford to repay. We can only assume that this means that you are either UNWILLING or UNABLE TO PAY. If you are unable to keep to your repayment plan or are unable to catch up with your arrears, then we may be able to offer you a greatly reduced settlement discount to clear your account. Should you fail to make contact with us we will assume you are UNWILLING to keep to your previously agreed arrangement and therefore we will have no alternative but to send your account to our legal representatives, Hamptons Legal. We do not wish to take this action and urge you to contact one of our advisors on the following number: 0845 279 7117 PAYMENT CAN BE TAKEN OVER THE TELEPHONE BT DEBIT OR CREDIT CARD
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I signed up online to a mail order catalogue (very) a year or so ago. Last November i had to take time off due to having a major operation. The only income i was getting was statutory sick pay. As my income decreased considerably i was unable unable to make certain payments and the catalogue was one of them. I contacted the company explaining my situation and asking them to cease all interest and charges until I was back in employment. I was told they would not do this unless i filled in a i+e form and also got a letter from the CAB. I did not send them either of what they asked for as i was hoping to restart payment within a few months when i restarted work. to cut a long story short i had to take more time off work than expected and quite a few payments were missed. originally the amount of goods came to around £750 but after interest put on the goods and constant charges for missed payments, admin charges etc the debt amounted to around £995. Now the catalogue company seems to have sold the debt onto Lowell as i received a letter from them this morning. I do not deny the debt as i was willing to pay it but i do not agree with all the charges they have put onto the sum i originally owed. I am guessing i now have to correspond with Lowell but am unsure what i should be putting in a letter to them, any help or advice what i should do now or put in a letter would be greatly appreciated. thank you
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Hi all, I have received a letter today from Hamptons legal regarding a debt I have with O2 - although I have never made any payment and have a SAR or the equivelant you receive for a mobile debt. Basically the jist of the letter is thus - We are now going to request a copy of your credit file from Experian the credit reference agency, which will help us decide what form of litigation is best for us to recover the monies that are due. Any ideas folks?
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Hi all, I got some great help here in the past so looking for some more advice. I have an account with Orange and an account with EE which are both up to date and paid on time and have been for several years, these contain all the families numbers and I get the money from everyone and pay by DD. Anyway I called up today to be told that my accounts have been locked by Lowell! Basically I have an old unrelated account from a while ago which was the result of a phones 4 u nightmare, which has been passed to Lowell and they helpfully have barred any activity on my EE and Orange account, so I've been told today, I cannot upgrade, change price plan or even get my PAC code and leave the network until I speak to Lowell! First thing I want to know is can Lowell actually do this on unrelated accounts which are not delinquent and get paid by DD every month? The guy from EE seemed to think that if I phoned up Lowell and offered them £1 per month then all would be fine, but I'm wary at having to phone them as I know they will pressure me into paying more than I can afford. If it wasn't for the fact that my Dads work number was on the account then I would tell them to do one, but EE say their hands are tied and this is all Lowells doing. I have quite a few accounts with Lowell which are due to go SB this year and I fear that by calling them it will restart anything with my name on it! If I have to call them is there anything I can say to stop them reigniting these as they go SB literally in 2 months. I'm in Scotland if that helps any. Thanks a million for any advice.
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Hi i have been a member of this site for while and think you are amazing I have previously had judgments set aside with help from advice on here . Here's a basic back ground I'm self employed i ran in to financial difficulties in 2010 after a motorcycle accident and had to have a long time off work i got behind with all my money matters inc the tax man and the mortgage etc which im just starting to recover from it's not been easy. I still have some credit card companies that didn't seem to understand that i could not pay them at the time and i had to choose to put food on the table or simply put my hands up loose my house and sign on and become a burden to the state i chose the harder option and keep my wife and kids in our family home and not to burden the state. I have received a claim form from northhampton cc i received this on the 16/8/14 after being out of the country so i didn't have long to respond on the 20/8/14 i filed a acknowledgment of service stating i intend to defend all the claim (as i read admitting part is as good as admitting all the claim) i then 20/8/14 stupidly sent 3 letters normal post a cpr31.14 request to bryan carters solicitors a cca request to lowell financial ltd (with a £1 postal order) and a sar request to barclaycard (the original creditor with a £10 postal order) realising my mistake i again sent these letters recorded and proof postage again including the said fees i have had a reply from bryan carters stating that the claim form was issued by the county court business center and the courts protocols were followed Do i have a defence or have a screwed up ? I'm at a very low point now and stumped please help -
Have a quick question I hope someone can help with. Lowell started court proceedings for an outstanding £200 debt to O2. I have no knowledge of this and I've never had a phone with O2 I defended it with the usual 'prove it'. The court has now said this is suitable for mediation. If I genuinely believe this is not my debt, am I right in thinking that I should decline mediation or would this look bad in the eyes of a judge. I just can't see what there is to mediate about if the debt isn't mine or do I agree to mediation and just state this at that point. Advice would be appreciated.
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