Its in the letter I received this morning that the desk has a new title.

Hi, Firstly if I am posting this in the wrong section, I do apologise. Please advise where it should go if this is wrong. My question is that Hamptons are chasing me for a debt which I believe is owed to Vanquis bank. I am not currently in a position to settle this. My problem is that this morning my 16yr old son received a text on HIS phone looking for me. Now he is on a pay as you go sim, in his name and it absolutely nothing to do with me. What I want to know is where they would/could have got his number from and are they actually even allowed to contact his number with him being only 16. Any answers would be very appreciated and thank you in advance.

We have started receiving letters from Lowells re a Cap one account. In March 2010 it was being handled by another DCA and we requested a CCA from Cap one. They didn't provide one, but provided terms and condition and a reconstituted copy of the agreement. I then sent an account in dispute letter and they replied sending the same reconstituted agreement. It was shortly taken back by Capital one and nothing was heard from since, until Lowells and hamptons started chasing, as I believe they have done to others lately. I haven't been around for a while, does the bemused letter still apply these days to send to lowells, or can anyone suggest anything else. I know things have changed and want to get it right Thank you

My partner received a letter asking for over £350 - she wrote back on 31st May 2014 with an offer, to which they never replied. Shall we ignore this until they reply? I've prepared a standard letter requesting a true copy of the credit agreement, will send that tomorrow with £1 and sending it recorded to ensure it's signed for. In the meantime, should she just wait?

Sorry if this in the wrong section. Hubby has o/s debt which has been passed from cabot to hamptons. I am pretty sure it is over 6 yrs old but I will have to get the paperwork out at the weekend. They constantly text his mobile but he hasn't spoken to them. 3 weeks ago he took over a business (inc phone number). The telephone company is Titan telecom (i know there are **** but there is 2 yrs left on the contract!). The first odd thing was a couple of days after he took over - he had about 10 phone calls on his mobile from utility companies trying to get his business. He pays the landlord for electric so told them where to go. Today, Hamptons phoned the business land line asking for him. He panicked & hung up. (I've told him never to talk to them anyway). I've googled his name, company name & address and the telephone number does not come up, so my question is, do you think Titan have sold his number on? However I cannot see the connection between them and Hamptons. If they have, is there anything I can do about it. Thanks

Hi, My son has had a number of threatening letters regarding a '3 ' phone contract, they(lowells) reckon he owes £446, he said the debt was originally for £90, they have obviously sold it on to 'Lowells'. He has just had a letter saying they will half the bill if he pays it all at once, but I think they will only take it in instalments for the full balance! He is worried it will affect him getting a mortgage, he says 3 did not replace the phone he states was damaged. Any advice? Should he offer to pay the reduced amount in instalments? Cheers

I received a royal mail "while you were out" card for a special delivery letter. I can't pick the letter up until next week now. I have no idea who could be sending me a letter, I've not bought anything online recently and it wont be friends or family either. However, I do have a couple of old accounts that are going to be come Statute barred in a few months and lately I have been receiving the usual cycle of garbage from Lowel/Hamptons and Red (threats, discount letters, etc). I have ignored this as they did not reply to my CCA in 2010! I'm now a bit stressed wondering if they have sent this letter and are trying to serve papers or something?

Hi dnt know if posted this in the right place. I have been receiving letters from lowell for a debt I owe to litlewoods to the sum of £1170.32p this has been going on for about 15 months. I have now received a letter from hamptons legal stating they are the litigation department for lowell and they have been instructed to assess the account for litigation. They claim to have a copy of my credit file. It also states that when they have assessed it they will be in a position to commence with either litigation or instruct a home visit agent to discuss repayment. litigation could lead to charging order against propert (I dnt own a property) Attachment of earnings (currently unemployed) Court bailiff to remove goods can I have some info as how to follow this up or should I just keep ignoring as I have never contacted lowell or anyone confirming its my debt. thanks

Hi Just recieved letter from above parasites. What is best course of action to take with this and any links/etc be helpful to me for reading purposes as new to this. ---------------------------------------- My name and Your Lowell account: address Lowell reference number: xxxxxx Original company name: xxxxxx Original account number: xxxxxxxxxxxxxxxxx You owe: £xxxxxxxx Dated xxxxxxx Dear xxxxx Overdue account After repeated requests for payment, Red Debt Collection Services have instructed us to pursue you for the overdue balance on your Lowell Portfolio I Ltd Account. You are contractually responsible for paying the debt. Unless you send payment to us or Red Debt Collection Services immediately, we may prepare for more serious action, which could include applying for a county court Judgment (CCJ) against you. Once legal proceedings have begun, we may be able to claim the money you owe together with : . The interest accrued on your overdue account. . Legal costs of recovering the money you owe. If we are granted a CCJ you could face the following consequences. 1. Any CCJ against you will be recorded at the Register of County Court Judgments and remain there for up to 6 years 2. We may apply to enforce the Judgment for example by using bailiffs or applying to recover the money you owe by making deductions directly from your earnings. 3. Failure to repay your debts may have an impact on your ability to obtain credit in the future or the terms on which credit is available to you. Lenders will look at how you have repaid your debts in the past before the decide to grant further borrowing. If you do not contact us or arrange payment we may begin proceedings. Call us on 0113 394 6317 to agree affordable repayment plan. Our range of payment methods can be found overleaf. Yours faithfully (photocopied signature) xxxxxxxxxx Director of Legal Services.

Hi all, hope someone can provide advice/help. Been receiving letters from Lowell and now passed across the desk to Hamptons Legal. It's for a Lloyds TSB credit card from 2010, balance of just under £2000. Previous letters have said, pay up, we may commence legal proceedings/CCJ etc etc. New letter is saying we'd like to make one final offer to resolve the matter: Pay 50% of the balance to settle the account Pay £40 per month Call us to agree a monthly plan. If you don't agree a payment plan, we will have no alternative but to commence with legal action against you. This will result in you receiving a summons from the court as we will apply for a CCJ. If we are successful in obtaining a CCJ it will remain on your credit file for 6 years. Now, from researching I gather that if they offer a discount on the balance it means that they know they have no CCA (I haven't sent off for it yet) and know it's unenforceable. Is this the case generally? What worries me is that the letters now say 'will' instead of 'may'. Is it just a tactic or do you think they'll pursue with the CCJ. Any advice is much appreciated on how to deal with this (ie a letter to reply with) Thank you

Hi, just wondering if anyone could help. I was abit reckless in my late teens/early twenties, I'll spare you the details. I ran up quite a few debts in this time through nativity and lack of financial education. having settled most debts and with my one and only default (from a c.c) being six years old in two weeks, I have a loan from hbos of around £1200 outstanding, took out in 2003. I've checked equlifax, experian, noddle and annualcreditreport all have no sign of this debt. However I have red/Lowell/hamptons chasing me for this, threatening ccj. Would I be safe to think this debt is SB? I don't want my nativity to strike again. I can't for the life of me remember if it's been six years since payment or contact. Your help will be much appreciated. I am not a home owner either if that helps the ccj part. Thanks

Hello could you check this please if this is for real?!

Received a letter today from Hamptons Legal threatening me with a SD. This is the first I have heard from them. It apparantly relates to an old Co-op credit card. The letter goes on about what action they may take, and finishes with "we would be willing to accept £50.00 a month till the debt is paid" etc etc. This is one that has been passed around a few times, and on each occasion when asked for s.78 request they have not complied and passed it on to someone else. The letter says it is a Lowell account which is puzzling as I have had no communication from Lowell. Should I now send Hamptons a s.78 request? Any advice welcome. IRM

Hi people I have keep getting letters of this company Hampton's Legal on a debt that i don't believe i owe to Orange as I'm sure i payed but can't prove it, the latest letter states that they will go for a CCJ (not too bothered about) but if they cant get the money owing they said that they will do attachment to earnings. The bill owing is on £71.26. Also they say that they have seen what i earn and see that i can afford to pay it, how the hell have they done this legally? Any advice will be greatly appreciated

Hi There, I had my mobile phone stolen in 2007 and a £792 debt was ran up within 1 day and resulted in a default. (I thought I had simply lost my phone in my university dorm room) when it was in fact left in a taxi. Anyway, the debt was due to expire in 2013, however Lowells have taken over the debt this year and for some unknown reason the default has been transferred to them, and it says that I defaulted in 02/2012. Which of course is false nothing happened in 02/08/12. I presume that this debt will now be on record for a further six years from 02/08/2012... How have they done this and what can I do about it. Lowells continue to send letters threatening to give me a CCJ and have recently offered a discount of 50% on the debt to which I have ignored. Kind Regards

hi there, just need a little help, i recieved a letter from hamptons to persue my old contract with o2, well its couple years old, i am fully aware i owe the money, i have a finacial statement ready to send but i cant find a letter template that i could use in order offer of payment, if anyone can help that would be great

Hi Everyone, I am new to this site and need some advice.... I have been receiving letters from Red relating to a 3mobile debt that I'm pretty sure is statute barred. I have checked both Experian and Equifax and there is no default recorded on either. Today I received a letter from Hamptons threatening court action. What should I do? I have attached a copy of the letter. Thanks Ani

Long time since I had to post, things will have changed so any help most welcome. I have received a threat-o-gram from Hamptons Legal having ascertained I am a home owner they will issue at court or issue a SD if I don't pay. This relates to an ancient Barclaycard / Goldfish / MSDW account I sent a S77 years ago & got vague responses, I have also SAR'd BC but got no original agreement. Should I ignore (as I have with previous letters) until they do something or issue s new S77 & SAR? There has been no acknowledgement for 3 1/2 years so not SB Many thanks NTTF

I'm starting a thread for timpg who is having problems with Hamptons & Lowell DCAs Over to you timpg !! Lex

Hello again all, After your advice once again, after the help you have gave us has resulted in 4 DCAs backing down, but now we have come across one we aren't sure of. My partner has received a letter today from Red Debt Collection with the usual threats of courts and bailiff action etc, stating that she owes £440 to Three Mobile. We did in fact set up a standing order to Lowell over a £210 Three Mobile account, as the debt wasn't statute barred as she had been paying Lowell £11 a month a few years ago - so a few weeks ago we set up a £40 a month standing order to get it paid. Now while we have been trying to get our finances in order with your help, we also regularly check our credit files. We checked my partners this morning. The £210 Three account is on there (with Lowell), as is a Three account defaulted for £68 (the a/c number doesnt match the Lowell paperwork), but there is no account for this outstanding £440 that Lowell/Hamptons/Red are demanding. There are no accounts that match the a/c number on the paperwork on her credit file. The thing is, we don't believe that the debt is statute barred as she believes she was paying it along with the other one a few years ago. As such, we're not really sure what to do because she thinks she was paying it, but it isn't on her credit file and I'm reluctant to give them money for it, when it doesn't seem to be tied to her. Any suggestions? Many thanks and keep up the great work. Lenny.

Hi guys This is the second time I've had to post on here due to my stupidity a number of years ago when I left the country (not intending on coming back) for a new life abroad. I left a few debts here though. However, I recently received a letter from Lowells claiming that I owed O2 £588. To my knowledge I have never had an O2 account as the very fist mobile I had was Orange and I've been with them either on contract of PAYG ever since. I sent off my CCA request and it was received on 19th Feb ( confirmed via Royal Mail) However, I have today received a letter from Hamptons legal Dated 20th Feb stating that the account has now been referred to them as I haven't paid my outstanding debt. In the letter then threaten CCJ's, Attachment of earnings and bailiffs. What on earth should I be doing here. Do I send another CCA to Hamptons even though they are part of Lowells?

I have a couple of "accounts" with Lowell (one for £507.43 and one for £512.56) which I was paying off at £10 per month per account (all I can afford) . When I checked my credit file I noticed that the Defaults that I have for these debts will drop off my file in 2015, whereas I'd still be paying them off 2 years after that. last month, rightly or wrongly (probably wrongly ) I thought whats the point of paying them, as I have Defaults for them anyway so it can't really get worse. I now have been getting threatening letters from Hamptons Legal which I assume is the same Company, and probably same Desk as Lowell lol But they are threatening CCJ's etc I was just wondering what I should do regarding this really? Start paying again? Ignore them? The original accounts/debts were with Barclaycard and Orange and I know that probably half of the debt amount is made up of charges/interest as I remember the credit limit on the Barclaycard was only £260 at the time, and now I owe £507.43 on that one. Thanks in advance for any advice you can give.. and feel free to tell me how stupid I am for stopping payments if you feel I am stupid lol Simon

Hi I am so worried - I live on my own and have noone to turn to. Baiscally without getting into a long essay I took out a MBNA credit card in 1998. Ex partner used the card but paid monthly up until the last payment march 2007. We stopped getting statements and after spending hours on the phone aguing with them about non statments I gave up. My credit file now says £2000, defaulted November 2007 status history 8... I never recieved a default notice or heard anymore from them. Partner and I spilt up and we both moved in late 2008. Have been renting until last year when I got a mortgage. In 2010 started getting letter sfrom Equidebt offering massive discounts - getting a letter once a month or so. I ignored becouse the card number they refer to is completly wrong. Then all went quiet......now I have had an Assignment letter sent to me from Lowell Portfolio. Then a month later another from Red Debt stating they are going to look at my Credit file for assets - I have a car which I need for work - value is about £1400 and am on 30 hours a week at £6.50 per hour! So I struggling to say the least! Have composed a letter to Lowell requesting copy of original signed CA containg prescribed terms and not addmitting to debt. Sending £1 PO etc etc. I am pulling my hair out here as I have spent hours reading that their Solicitors are likely to send out a SD - so am I right in thinking that I should send this letter ASAP before they do their bit? Please help me......this debt will be SB soon wont it am I right in saying a month after the last payment date - so confused.

Hi there, I have been reading similar posts to this from people in a similar situation but wanted to ask advice please. On the 5th November we returned home to a calling card left by a collector that had visited to discuss a lowells debt in my husbands name. My husband as supposed to ring him to ask what it was about but he never got around to it. Yesterday we had a letter in the post from the same collector stating that he had visited twice and he will be calling again next Monday to issue a statutory demand for a debt my husband has with lowell. From experience we have had in the past with creditors we knew to request a copy of a credit agreement before we agree to any repayment etc so my husband called the collector to ask what the debt was for (we had thought all bad credit we had was sorted as we had sorted a lot of these things in 2006-2007 and have not really heard anything since). He told us the debt was with the Royal Bank of Scotland and was for the amount of £10,700. My husband told him he would be requesting a copy of the credit agreement but we had no reference number or address for the creditor. The guy told us the information would be on the SD and if we wait until that arrives we can request the information then. We had a telephone call tonight from a woman from Hamptons who asked us to make a payment of the full amount and when we stated this was not possible she asked for a deposit of 35% of the full amount which obviously we could not do either. She then asked what we could get together and said she would phone us back. My husband at that point requested a copy of the original credit agreement which she eventually agreed to but asked us why we wanted it!! She then proceeded to explain the full implications of bankruptcy which was the route they plan to pursue if the payment requested was not made and she would be phoning us back on Monday. This really is the first correspondence we have had on this matter although the woman stated that they have been sending us 40 letters per year since 2007 when they bought the debt. My husband said he may have seen a couple of the usual type of letters these companies send but no way was there 40 per year!! We did seek advice from CAB in 2006-2007 about our debts and it is possible we acknowledged this debt back then and paid the nominal £1 fee. I can't remember when we would have last paid anything though. From what I have read in other posts I see that we need to officially request a copy of the original credit agreement for £1 and a copy of other paperwork that costs £10 (can't remember the name). Is there anything else we should be doing and can we avoid the bankruptcy route? If they can prove the debt is ours and we must pay will we have an opportunity to make a payment arrangement with them before they start bankruptcy proceedings? We have our own home (mortgaged) and my husband has his own building business (which is quite new so doesn't really earn us any money). We are quite worried at the prospect of loosing our home - can they do that with the debt being in his name only as our mortgage is in joint names. We also have children - can they make them homeless?? Thanks in advance for any help you can offer us on this.

Hi, I have a Very catalogue account which has been with different dcas for the last few months but now appears to be owned by Lowell according to my CR with experian. Hamptons are now sending threat o grams and I was about to send an SAR but wondered after reading some other posts if Very should have informed me that debt is now not theirs? thanks.