https://www.consumeractiongroup.co.uk/forum/showthread.php?272699-Help-Filed-CPR-31.14-request-no-response-..-now-what-(3-Viewing)-nbsp&p=5157422#post5157422 How did you get on with this? I know it's been 7 years but I am curious!

Hello everyone, I am new to this forum, I need some debt advice please. I've been receiving letters from Lowell financial chasing me for two old debts for almost 4 months now. They were threatening court action, so I finally responded . One debt is for an old Tmobile account, (which I remember), the other is from Shop direct (which I don't remember). I sent them a statute barred letter the shop direct debt because I couldn't remember anything about the debt, I assumed it must be a very old debt seen as It doesn't appear on my credit file. They have since responded to my letter saying I opened the account in 2004, last payment was in 2008. Apparently I made a payment between 2009 and April 2013, so based on the last payment of £10 in 2013 (which I don't remember) they state that the debt is not statute barred. The letter also states that a CCJ was issued against me in MAY 2014, with the terms to pay £50 per month (again I had no clue there was a CCJ) which is now in arrears. I need some advice for the best way to proceed please. I am now stuck, do I have any more leg to stand on, or do I just go ahead and make payment arrangement with them?. The total debt they claim for shop direct is £1180.23, I can't afford this now, I'm already struggling financially and paying other debts. Please help, what do I do next?, I don't want another CCJ or bailiffs at my door. Thanks in advance for your time. Jo x

Hi I am having a very difficult time from Lowell . they have taken court action . I keep trying to explain that it is not my name on the so called debt but nobody is taking any notice I am having great difficulties with Lowell debt . the debt they are claiming is mine is not in my name or have they provided any proof of it being mine . they have now issued court proceedings I have tried to explain all of this to them but to no avail

Hi I've been receiving letters from Lowell regarding a debt for a mobile phone account which isn't mine. I mistakenly decided to ignore the letters until county court claim has been started against me. I've filled out the form online to give me some extra time to defend it and form a case but I'm hoping I can find a way to force them to annul or at least postpone the claim. I've looked around here and apparently because it was a mobile phone contract, a CCA request letter would be ineffectual because it was a service agreement. So I'm thinking about sending them a "prove it" letter and possibly a Subject Access letter but I'm unsure of how effective this will be. Any advice and suggestions would be greatly appreciated. Also, Lowell have put a default notice on my credit card report which is what I was wondering if they can legally do that without any proof?

Hi, I know there are a fair few similar threads here about the same type of things but I wanted to put down my details here in case there is any guidance with my specific situation. I recently started looking into my credit report after being refused for a credit card. I generally don’t use credit products but was advised that I should as I’m looking to get a mortgage in the next 2 years. I found I have 4 defaults on there. 2 From Yorkshire Water. One from Lowell (relating to a BT account). One from Hutchinson 3G (Lowell). The 2 Yorkshire water default are being removed after conversations with them. These were at 2 addresses I was registered at living in but never actually did. (A bit complicated, I rented a room in a property but was living with my girlfriend at the time. Early relationship, needed back up) The Lowell default relating to BT is from one of these properties, but I put my name on the account so I accept this one. The Three one is where it gets a bit more complicated. My Mobile Phone contract is with Three and it has been for 7 years. I have never missed a payment or been late with payments. The problem with the default is that it’s showing separately and is registered at my parents address. I live there when I was younger but not for about 12 years. My father has the exact same name as me and lives at this address. I believe this default is related to him in some way but I have tried contacting Three and they can’t find any record of the default. On the credit report it looks to be linked with my DoB but once again, I have no idea why. It’s getting increasingly difficult getting any information out of Three in reference to this so I’m a little bit stuck. Any advice on what my next steps should be in terms of both of these outstanding Debts would be great.

lowell dca help Im hoping for some advice on an old 5 year defauted overdraft debt that lowell purchased some years ago total £!2k. I had my home repossesed at the time and never gave my new address to either original lender or the dca. Ive never had any contact from either but im aware they can still apply for a ccj at the old address they hold. My dilemma is do i contact the dca with my new address and try to deal with it or hope it slips past six years. They have never credit checked me to get my new address. So really i want to know do they usually wait till last minute for court action also are debts over 10k dealt with differently by courts than debts under 10k ? thanks in advance

Hi, so I really don't know what my options are (if any) In 2014, when I was 18 my mum asked if she could open a catalogue in my name... I agreed as she told me it would help build up my credit rating. I specifically told her not to get in debt with it.... I had thought she'd stopped using it after that year. Background: My mother has C-PTSD and due to this is absolutely appalling at handling money- sadly for me I've only just realised how big an issue it is as she always seemed like she was dealing with any debts she has. She is not receiving any help with this at all as any health professionals involved in her care have never enquired and she's never admitted it as a problem (even now she's acknowledged it but not... if that makes sense?) The only professional she sees (she's just started another block of therapy after so many years) is a psychotherapist. Credit Rating: This month I went into my bank to ask for an increase in my overdraft. I'm a student and my loans are just about enough to cover my rent and placement travel this term, so finance wise I'm not in the best situation myself at least until the nee year when my term rent is a bit cheaper. I found out that the bank wouldn't increase my overdraft, literally not even by £100...due to my poor credit rating. This was confusing as I have 1 credit card and I always pay either the full amount or more than the monthly minimum. Went on and got my credit report from Equifax. I have a 404 credit rating and 'my' catalogue debt is £1500 now passed onto lowell with a default placed in March. My mum has said she must have had a default notice as she set up a monthly payment to lowell in July and has been paying this ever since. She was under the impression that the default would be removed if the debt is paid in full. That's obviously not the case. It lasts 6 years. My score has tanked and considering I will be qualified next year and want to start saving for a mortgage... it would be pretty impossible! Right now, I resent her for getting me in this as I didn't want to have debt like her (although this is my responsibility as well and I've been beating myself up about it) I don't know what to do Main Points *I had no knowledge of the default until obtaining my credit report... 1) The catalogue is in my name and I live at the same address as my mum 2) I've used my current bank card on that account to pay some money towards it (before it was passed to Lowell and had a default added to it) 3) 'I've' already acknowledged this debt as per the repayment plan with Lowell so there's no chance of the 'i didn't know' loophole working. 4) Even if my mum admitted to the debt, with her abysmal credit there's no way they would transfer it over to her 5) Even if she admitted to the debt, it's fraud. I would be utterly terrified of her getting into legal trouble about this! She's ill and yeah it's not an excuse but it's an explanation for her behaviour. She has a lot of trauma and controlling her money and spending money is a very big comfort to her. 6) I am not my mums carer my dad is but honestly, he's useless with money as well and just gets stressed and confused with it. My dad and I have just been ... I don't know, ignoring it kind of? And now I really can't and have to try and get this fixed. Questions A) Is there any way at all, or has anyone had any success with writing to Lowell and offering to pay the full amount owed immediately if they remove the default? B) I know if they won't remove it you can ask for an explanation for the default on your score but I wouldn't have a clue what to write on that? Or if it would make any difference C) Or if they won't remove it on offer of the money. Would it be worth writing to them explaining the situation as well as still offering to pay.. would that have any luck? *if I explained the situation to Lowell would it have to be reported as fraud? D) Does persistence work? If I kept writing and emailing them asking them to remove the default? How persistent, I.e: a letter every week? Emailing the CEO every week? Recorded phone calls? Or would they just claim harassment... E) If they don't remove it and I still pay it in full so it says it's a paid default on my account... There's differing opinions as to whether that will improve your credit score or increase likelyhood of lenders approving you for things like cc/banking/mortgages/finance. ? Not sure whether it would change anything on my credit and make my bank more likely to increase my o.d. my mum is under the impression that it would... So yes... I fully am more than aware I messed up as well. I didn't bother to keep track of something in my name and it was a big mistake I'm clearly paying for now. I'm just very anxious. I'm 22... I really wouldn't want this hanging over my head til I was 29. It's one blip on my credit score compared to the past nearly 2 years of good credit and now it's totally ruined. I still have my credit card and obviously I will continue building up credit ect... but it all feels for nothing knowing I'll have the default hanging over my head. I just feel so depressed and anxious with it all and I can't talk to either of my parents cause my dad doesn't know or want to know and my mum already feels awful enough as it is about it.. Hopefully maybe someone can please start pointing me in the right direction.. . I'd be very grateful. Thank you...

Hello to all of you. For more than 2 years Lowlife harassed me with an old debt with Three Mobile. They claim that I breached the contract with Three and now I have to pay the outstanding debt. I asked Lowlife to show me the contract it was breached by me. They never send me anything and kept sending me the same letters ( about 25 letters in total up to now). At the beginning they sent so called Notice of Assignment. Actually was a fake where they used Three Mobile logo on the top of the letter with no signature - that was in Decembre 2015. Recently I have received a letter from Lowlife telling me that they passed my debt to Fredrickson International ( part of Lowlife group). The alleged debt has been passed to one of their 'approved' debt collection (what a joke). Should I send a Letter to OC/DCA passes account to another DCA? I will really apreciate if anyone can give any advice in how to deal with these parasites. Again me. I understood that a CCA request doesn't apply on mobile contracts. Is there anything else can I used to fight against them?

ive been receiving letters from Lowell asking for payment of an old debt. I think I owe the money but im not too happy about the amounts they are saying I owe, and im not going to pay a figure that they say I owe don't they by law have to send me proof of the actual true amount owed before they can threaten me with court. any help out there would be very much appreciated thankyou.

Hi all, I know there are numerous threads on here but I’m going to post my story to see if I can get some personal advice regarding this. Lowell are chasing me, I have read all your views on how people shouldn’t pay them a penny or worry over them. They are chasing me for a Littlewoods debt, I have requested proof which to my surprise they provided. The debt was from 2012 (ish) but the latest payments were made 2017. I have no problem admitting this debt ( I lost my job and whilst I was in between work I couldn’t afford to pay ) now I had been a loyal customer with Littlewoods and after a few missed payments the debt was sold. My issue now is Lowell are on my credit file, ( Littlewoods were but it has changed ) I am wanting to get a mortgage eventually within the next year and I know this is going to hinder me. Is there anything I can do to get them off my back? The debt is roughly 4,000 however half of that is interest as purchases were made with buy now pay later so actually only about 2000 is actual debt. I am sure Lowell will add their interest too, so I’m guessing to them I would be worth a trip to court? Thankyou in advance

I had an account with Very which was Started 16/10/02 Defaulted 26/08/11 Default Balance £2130 Last payment 02/07/12 The last payment was made through a DMC to Lowell Portfolio Ltd. I received varous letters from Lowells and at some point remember receiving letters from bryan carter solicitors. I ignored them! Then i get a letter from Lowells saying that the account has been returned from the solicitors to them and that as i have not made any payments on my ccj they would be taking action. Apparently BC solicitors took me to court. I never received any papers from the court. My address never changed either. I checked online and found that i would have received a big package of blue(?) court papers, did not receive them. Because of this on 31 July 2016 I went online to RTL to check the Register of Judgments - There was nothing registered for me, at my address. In Nov 2017 my Experian credit report showed the very account gone and no ccjs were on there. Today i have received a letter from Lowell Solicitors stating, second notice of county court judgment arrears -£1900.00. The reference number they give refers to the Very account. Are they pulling a fast one, trying to get me to contact them. This account is now statute barred I believe? very lowell.pdf

I have received a pre court paperwork from Lowell Solicitors to fill out and send back. I am disputing the debt as belonging to them but not sure what I need to do next. the debt was assigned/Sold to Lowell 18 months ago they are claiming the full amount outstanding to Vodafone, but on checking my credit file bot Lowell and Vodafone are marking my credit file as the debt belonging to them. the other thing I would like to get hold of is how much Lowell paid for the debt because this debt is subject to VAT and if they only paid a percentage of the debt, they can not claim full amount because of the VST debt relief Scheme if Vodafone used this to claim back VAt on debt Lowell can not claim the part of the debt claimed back by Vodafone. any ideas what to do next

Hi everyone, any help would be highly appreciated Back in 2010 I arrived in the UK to study, me and my friends rented a flat in Brighton and I signed with TalkTalk for a broadband plan (1Year). The account was under my name and it was paying it from my personal bank account. End of 2011 I finished my studies and went back to my country, but before I do that I contacted Talktalk and told them that I am leaving and that my room mates will be paying from for this plan from now. (Kindly change the account holder to them and hereby I inform you that I am not longer responsible of this) "for sure there is no proof of this as it was a phone call" Time passed then in 2017 April I returned to the UK with my family to start my new job. Surprisingly I received a letter from Lowell demanding me to pay an outstanding amount of 240GBP for an old account related to TalkTalk. I ignored the letter as I sincerely forgot that I ever had a TalkTalk account! on the end of 2017 I relocated to the northern side of London the somehow they got my new address (I am guessing through the bank as I still use my old account since I was a student) and demanded me again for the same thing so I gave them a call and asked what is this about, they then explained that this account still under my name and it has an outstanding amount since Dec 2013. I asked what account was paying for all these payments since 2012 they explained that it was someone's else account (My room mate). I then explained that I left at the end of Sep 2011 and since then I was away, I have all necessary stamps of exits and entries on my account which validate that I was out of the UK for the past 7 years. They took all these notes from me and were very polite with me, then asked me to wait for a month or too for feedback. Today I received a letter saying that TalkTalk said the following: TalkTalk has advised us that they received change of ownership forms on 09/11/2011; however this could not be completed due to arrears on the account. They state that they received further card payments from a third party, but the name on the account was never changed Lowell then continues the letter saying that I need to pay this and that they will place this account on hold for 30 days for me to review in case they missed anything. Can anyone explain to me what is the best root to take next? As it is obviously not my responsibly to pay especially that i was not informed that the owner ship change did not happen? Bare in mind that my credit report has a note on it from TalkTalk since 2011 apparently which prevented me from taking any credit plan with any type of business in the UK since i got back and i am not quiet sure about the impact on my credit score after this issue is sorted. Kind Regards

Hi all, I have for the past few months been in dispute with Lowell regarding an old Studio account, now because they now have confirmation of where I live - they seem to have linked a really old account from Cabot (this was an old Barclays overdraft from over 10 years ago) which i'm sure we haven't made contact or payment on for well over 6 - however i can't be 100%. Is there a way of finding out for definite? The first letter went along the lines of 'now we know where you live blah blah - you owe £***'. Two weeks later another letter arrived saying we will accept £55 to clear the balance lol - why would they do this? is it because they know the debt is unenforceable and are out for any amount? The debt doesn't show on any credit report. .. what's the best course of action? Thank you in advance M

Help needed on lowells fastrack 14th sept '18. lowells are chasing me for £15,500 for a non secured lloyds loan. i defended a lowell ccj in northampton ccbc via mcol and aos, i have received notice of assignment but not deed of assignment, lowell are going for the jugular and i have had enough, not just of lowell but the depression i am suffering is stopping everything but work and worry. I have redacted copies that will give details of everything and my poorly advised (i think but not sure) fast track response denying debt which I'll upload either in pdf or jpeg format as needed and an other info prior to the upcoming case. needing best advice available on cag in the final stages please. jazz.

Hi.. Sent a SAR request last week to Lowell for a Vanquis CC debt and Halifax loan . Got a letter back today to say they have received and sending all paperwork from when they purchased the debts but if I require anything before that i need to SAR the OC. Surely as the supposed owner of the debt they should contact the OC or have all original paperwork such as statements etc sent to them once purchased ..or do I indeed have to contact OC ? Wanted to check before I send a curt reply letter back to Lowell

Hi there, Yesterday I received a letter from Lowell & 118 (together in one envelope) that Lowell are now the new owners of a 12 month unsecured loan I stopped paying in November 2015. During this period I also defaulted on 4 loans with 4 different payday companies however by now I have taken care of all but this one. I fully intend to take care of the last of my mess which rules out the PROVE IT route but there are a few stumbling blocks before I can do so. After checking my credit report I notice a second default has been placed on my account. How do I go about getting this removed? After also checking my credit file I notice that the original default placed on my account by 118 was not placed until 28 months after the account went delinquent despite ICO guidlines which state that 'accounts should be defaulted 3-6 months from last payment date'. How do I go about getting the original default accurately recorded to early 2016? (Giving me a clean slate in early 2022) I would like to thank you ever so much for taking the time to read through this thread and any input will be greatly appreciated.

my girlfriend took a loan out from provident on 6th December 2012 with a fixed term agreement £1134.00... her provident door sales rep money collector last collected payment 27th December 2012 . she recently had a letter from the lowell solicitors claiming to reply within 7 days.. today x2 days after receiving that letter she gets another paperwork SMALL CLAIMS TRACK . ( small claims court i take it?) i contacted the solicitors thinking that the case was statue barred because the length of time but obviously it was not... the soliciting group claims the agreement expired 20 February 2014.. what ever the amount was i know the provident group earns high interest from the ones struggling by lending them pittance (sad stateof affair but..) is she best off offering money or court session or.... any advice help much appreciated .. thankyou

Hi - I've recently received three letters from Lowell headed 'Pre Legal Assessment' that goes on to say they are deciding whether to pass my account(s) to their legal team. Has anyone seen these before and should I do anything? I wasn't sure if I should send the Prove it letter or CCA request. They are for CCs and a store card. I have moved since the debts defaulted and they are around 5 years old. I have a scan of the letter with personal info obfuscated if anyone would like to take a look to make sure? I know the legislation for LBAs changed recently, so wasn't sure if they are allowed to send me a court claim next or it would be better to wait for an actual LBA. Thanks for any advice.

First thing I've heard on this EDF account in quite some time, seems Lowell now have their grubby fingers on it! Received the attached two letters (in the same envelope) - one from EDF, the other from Lowell. Pretty standard looking letters. My gut tells me to ignore until such time as they send a Letter of Claim. If/when they do then put them to task in terms of following the pre-action protocols. Just wondered what the current thinking is in regards to engaging or not at this stage? My position is that I do not acknowledge the alleged debt and they will not be receiving any payments at any point, now or in the future. Thanks edf-01.pdf lowell-edf-01.pdf

Hello I've received a "Payment Due" letter from Lowell today. Stating " your former BT PLC account remains unpaid. I did have a BT line but cancelled it when moved house in September 2015 and haven't had any dealings with them since. Anything I need to do now as I am aware i cannot CCA a telecoms contract. Thanks DC

Hi I need some help from you experts out there. A few months ago i received a letter from Lowell saying i had an outstanding debt in excess of £600 on a mobile contract. I sent them a letter asking for proof of debt after several months i have received a statement of account which runs from Oct 2010 to may 2014. The final balance on the account shows £400 not £600 with the last payment in Jan 2014. I do not believe i actually owe this money i changed my phone in the EE shop in late October 2013 as i was working abroad at the time and they got me a deal where i got inclusive minutes and it looks like they did not do the upgrade properly. I still have my contact with EE and it is upto date. What can i do to contest this ? All help gratefully received

Hello This morning I received a letter titled "Overdue Account" from Lowell chasing a JD williams debt. I am not sure of any dates or information regarding this account. I believe my next step is to SAR JD Williams to get all information. It is possible that this defaulted in October 2011. If someone could someone give me a nudge in the right direction that would be amazing. Thanks DC

Good Afternoon, I am new to this site and after popping Lowell in my search engine, this amazing site popped up! After reading several posts on this forum I have plucked up the courage to post and ask for help. I had a dispute with vodaphone over two years ago after been a customer with them for 15 years. It all started when they changed their billing system and did not take payment for over 12 months and then I received a massive bill .. they continued to provide service until eventually they restricted use of my sons phone (on my bill) and then after three months put it back on.. They eventually cut my phone off and refereed to a DCA, name escapes me now.. I received a letter last June, stating unless I contacted them my case would go to court, three weeks later. I contacted them explained what happened and I never heard anymore from them until I received a letter from Lowell in May. In May of this year I received my first letter from Lowell, and have since received three more, offering a 30% and a 40% discount on my debt. The last letter received on 17 July stated that the 40% discount would apply until 31 July, before they take legal action. I was so close to calling them this morning to set up a payment plan as 40% off the orginal debt of £1187.71 is a lot of money, but then I found this site. I have read a lot about requesting SAR, but tbh I dont understand it. Shall I ring to set up a payment plan? if not I would be very grateful if you could advise my of the next steps. I am worried sick that it will be sent to court. Thank you in advance.

Hello, my first post so please bear with me. I owe a debt to Aqua Credit Card. Due to mental health and physical disabilities I got in to trouble and didn't pay it. It was sold on to Lowell Portfolio who have now taken me to court at Northampton. After reading advice I sent a CCA request and a CPPR 31.14. Along with an acknowledgment to defend on 21/05/18. On 18/06/18 I received a letter telling me that this was going to the small claims track. With that I received a questionnaire about mediation. I have been away 2 weeks, while attending a family funeral and received letters to mediate. As I had not responded, I now have a letter Notice Of transfer of Proceedings. I really do not know what to do now, or what this means. I suffer severe depression and fibromyalgia, the worry is now making my conditions worse. Please can someone advise me what I need to do now. Thank you