hi, ive just recently looked at my credit report and in the last two weeks ive had 2 ccj's added to my credit report. one is from lowell and the other is from lantern drs which i assume is now what mmf used to be. both were issued at my old address and i knew nothing of the matters going this far. the lowell one is for an old shop direct account and the other is an old loan from 2013 which can only of been a payday loan. my question is what should my next move be im a carer for my disabled son so i dont work and claim income support. any advise would be great help. many thanks

Hello I wonder if someone could offer me some advice. I received a letter from lowel Solicitors headed: Notice of Acting. They asking me to pay an old Orange debt. 1- Should I ignore the letter? I haven't speak to them so far and always ignore them. 2- If there was no payment at all which date SB will be calculated from? 3- If the contract made in Scotland, SB referred to Scotland or the place you are living now? Thanks in advance

Good afternoon, everyone. Hopefully, I've remembered to add all the right details and posted in the correct place. My partner has recently been getting a lot of letters and "ring up and hang up" calls from Lowell Financial LTD. recently. It is due to two unpaid debts to Shop Direct and Capital One for £1,383 and £1,754 respectively. I know that both debts are younger than six years, but I don't have the exact dates to hand at the moment. These were obviously not the original amounts owed, but despite trying to contact the original creditors in the past, new interest has continued piling up as they seem disinterested in being helpful in any way. The reason I am writing here today instead of my partner is that I am her carer, and she is not capable of handling this issue herself. The debts were accrued during my fiancee's marriage to her ex-husband: a repugnantly abusive human being who is responsible for most of the collective £11,000+ debt under my partner's name. He spent many years bullying and coercing her into taking out loans and buying things from catalogues while forcing her to pay for the household bills and keeping every penny of his own income for his own pleasure. Not only is my partner mentally incapable of dealing with this situation due to her PTSD and longstanding mixed-anxiety-depressive disorder, but the constant harassment is triggering episodes and meltdowns I am really worried about her and want to understand if there is anything I can do to deal with this situation. We had a letter through the door today headed: "Assessing your accounts for legal action". I think I understand that this is just a fishing tactic, as Lowell has made endless calls to the house in order to find out whether or not she lives here, but they always hang up the moment I answer the phone (my fiancee never answers the phone herself because of her anxieties). Recently, I dealt with a collection agency for Street UK who were after £5,000 from me for a personal loan to start a business which I could no longer pay at all by explaining my situation absolutely to them. I lost my business and all my income as a result of my own abusive ex-partner, and I explained the catastrophic harm the continued harassment was doing to my mental health because of my own PTSD and my recently diagnosed comorbid avoidant/dependent personality disorder. Since then, they have stopped contacting me entirely. I feel as if they were more likely to be understanding, however, given that Street UK is in association with the DWP to help people start small businesses (not that I got more than a fraction of the help I was promised by the Jobcentre - but that's another story), and they can't be seen to be too grubby. Lowell, on the other hand, seems to possess no such scruples, given the various reports I read online. Sure, I know I should be mindful that nobody will speak very nicely of them, given that nobody likes paying debts, but the themes are too significant and consistent to ignore. We have tried securing a debt-relief-order for the household, but our car is still worth more than £1000, which makes things problematic since we are loath to sell it. It is, after all, costing us less to maintain than an old banger would, which would quickly run-up costs. We are worried, since we just don't have the wherewithal or the money to handle this situation, and are already mired in court cases against my own ex for domestic abuse and parental alienation (16 months no contact with my children and counting). Lowell's cruelty just feels like poverty-punishment at this point. We only recently had to shell out £100+ because our car's road tax ran out at the start of the month, and we had no choice but to wait and not use it until the end of the month when PIP came in. Surprise, surprise, some jobsworth just magically appeared to clamp our vehicle in the interim. We couldn't buy food or pay utility bills for this month, and I've had to negotiate with my utility company to accept late payments for the next two months without punishing us. So, yeah... sorry if this is in the wrong place or is too verbose - I get like that when I'm anxious. I should also probably add that we have contacted StepChange in the past, and were informed that there wasn't much they could do to help us at the time.

Hi, and thank you in advance to anyone who offers help in this matter. I am new here, and somewhat blown away by the kind and helpful people who appear to frequent this forum! =-) On the 12/01/18 I received a county court claim from BW Legal, regarding an alleged debt owed to Lowell Portfolio, arising from an alleged debt owed previously to BT. This is for £160 + costs, meaning the total allegedly owed to Lowell is £250. The particulars of claim mention a contract between myself and BT. It has been a number of years since I had a contract with BT, and I have no recollection of ever owing them any money. I found the default on my credit report, where it is stated that I opened this account on 28/12/13. It seems unlikely however, that I would open a new BT account at this time, as would have been preparing to move out of that particular property less than a month later. I also thought it unlikely that I could run up a bill of £160 in less than a month. With all of this doubt concerning the debt, I sent a CPR request to BW Legal asking for the documents mentioned in the particulars of claim (Contract, deed of assigmnent, default notice). I also filed my defence online on the grounds that I do not recall the account with BT. BW Legal have since replied to say that their client wishes to continue with the claim. Though they have not provided me with any of the information requested. On the Mcol website it says the court have sent me the directions questionnaire a week ago, though this has yet to arrive. So I have come here for the following advice - Is there anything else that the court will expect me to have done so as to 'refresh my memory' regarding this debt? (Should I send an SAR request?) Should I be concerned that the directions questionnaire has yet to arrive? Any other advice would be very much appreciated. Thank you Janet

Hi long time reader, first time poster. I requested a CCA from Lowells in October of last year relating to a Llyods/TSB credit card debt. The card in question was taken out in April 2004 and fell into default in late 2012. 4 months later they have sent me what appears to be a copy pasted set of terms and conditions and a copy of the last years worth payments to the account. The terms and conditions have an error in the address I was living at when the card was taken out, they've used the postcode for an address I was living at 10 years later, otherwise it's correct. There's also no date for when the agreement was taken out, nor is there a signature (I'm unsure if this is required or not). Would I be right in thinking that a reconstituted CCA is only valid for debts after a certain date? I would be grateful if someone could take a look at the attached PDF to see if what I received meets the requirements of a CCA request and if not, what do I do next? 2017-03-07_12-43.pdf

Hi I have had an old debt with creation finance now managed by Lowell Lowell have confirmed that the last payment was in May 2011 but the default on my credit report is aug 2013, I would have thought it should of been between Aug and Nov 2011 under the 3-6 mth rule Lowell are refusing to change the default date and they are also saying its not stat barred as the default was registered in 2013 Now I know they are talking the preverbial bull about it not being stat barred but how do I go about forcing them to change the default date? cheers

The advice i require is regarding Lowell Solictors for a Vanquis debt for £3000. After receiving the County Court paperwork i acknowledged the claim with the intention to defend and submitted a CCA request and CPR18 request on the 4 July 2017. I did not receive any of the information from the CPR18 request and the claim was then put forward for mediation but didn't progress any further due to me not having the information that i requested from Lowell. I then didn't hear anything from the courts until a few weeks ago when i then got a copy of a letter from my local court that they sent to Lowells requesting the information on the CPR18 and to provide it within 21 days or the claim will be struck out. To my horror Lowells have provided the courts with this information i have now got a letter from the court saying the following: It is ordered that 1. Unless by 4pm on 21 November 2017 the defendant is to send to the claimant and this court setting out an amended defence (if so advised) the court will consider the papers and may strike out the current defence and permit the claimant to seek judgement in default, 2. Pursuant to CPR3.3(5) this order has been made without a hearing being held. If you object to the order, you may make an application (with the appropriate fee) to have it set aside, varied or stayed within 7 days of receiving it. What does all this mean? Does it mean that the CCJ as good as stamped on my credit file? Any advice you can give would be much appreciated. Many thanks in advance Macker16

I have sent a prove it letter to Lowell recorded delivery for a debt i apparently had with provident, Which was then passed to a company called vanquis bank. I have no recollection of this debt i have however in the past had provident loans but all are settled and show as settled on credit file. This one however isn't even on my credit file for me to view. Im just wondering if someone can advise what sort of response i should accept from lowell as in what information they have to provide.

hi I have a court date with these regarding a supposed debt with vanquis card, it has gone through all the channels and ive defended the claim etc. I agreed to mediation but couldn't as I have been given no CCA or notice of the debt being passed to Lowell. so its gone to the small claims track and a date set in july that's if Lowell pay the court fees next month. I have requested a copy of CCA and any paperwork to do with the debt passing to Lowell, so far all I have received is a vague copy of an online credit card application with a covering letter stating that shortly after an account was opened . I don't think this is enough for them to win in court as without a copy of CCA it should not be enforceable, am I correct? please let me know if you can help and if you need any more information/ thanks

Hi everyone I have just joined the CAG as I was told this site has helped many people in trouble am I am in trouble with Lowells for an old telecom debt, they have taken it to Northampton county court and a judgement has been passed without me knowing, want a payment of £50 commencing next what can I do about this I feel it may be too late???? Please can someone hlp me. Regards Iceblock

Hello all. I am hoping for a bit of advice please. I received a very worrying letter from Walker Love today advising that I owe their client £396 (the original creditor was Next Directory...but I believe this is now owned by Lowell). The default took place in 2014 and at the time I was suffering from chronic illness that meant I fell behind with payments. You know the story...it ended in the default. I never denied my debt.. .I emailed and called offering payment several times and was dismissed. ..I was told that their agents would be in touch. Several months later it was sold to Lowell for pence to the pound. I have not paid them a penny to date. I know that Walker Love are sheriff officers.. .and wonder about the seriousness of their letter? I would rather make payment in small amounts than face any further damage to my credit file. I have already suffered for several years now for my silly mistake. My question is how to proceed with them to avoid further hassle? I cant afford the full payment, bills aside I have very limited disposable income.

Hi, apologies if this has been asked before. I have a debt with jd williams, i am not disputing the debt and am wanting to make arrangements to pay it off, problem is, for some reason they have 3 separate accounts for me ( i dont know why) and they have been sent to debt collectors. The debt was from 2009 so i understand it being sent to debt collectors, a guy from moorcroft has been to my home, hes really not pleasant and i refused to talk to him, i wrote to moorcroft and complained and asked for any further contact to be by letter, heard no more, now provident have written, offering a discount, i was confused by it so have emailed jd williams directly, and they are getting me details of the 3 accounts and i have made it clear i intend to pay and have explained how i ended up in this mess and they are being amicable, they have advised me that moorcroft is the agency they use and have nothing to do with provident, and to ask provident for further details?... am puzzled now?.... can i not just pay direct to jd williams or will this be refused? i dont like moorcroft and they are clearly ignoring me now, since my complaint... i really want to pay off my debt.

I received a letter today from Lowell saying they have bought a debt of £26.95 from T Mobile. have been with T Mobile and the moved over to EE for quite a number of years. have 2 phones with them on expensive contracts paid by direct debit. have never missed a payment have never heard anything about this debt from T Mobile or EE when it was changed over. This is not on my credit file either. I know it is only a small amount but I do not see why I should pay for something that I do not owe, next time it could be a lot more. Do I just ignore this, I don't want to end up with a CCJ for £26.95.

some time has lapsed just a recap that i sent our letters from my parents address, however this didnt stop them from continuing to send letter to their address for me, even though i didnt live there. and also sent them letters from my current address to inform them that i didnt live there. my mum moved from the address in January but from around December i noticed i was getting unusal mail....from Lowell i came home on sunday after recovering from an operation, opened up my letters today to find a letter from Lowell Solicitors. Letter of Claim dated 17.02.16 We have not heard from you regarding the shop direct account and are instructed by our client, Lowell Portfolio 1 LTd to commence legal action and issue a claim against you in the County court bulk centre, in respect of this debt. you must contact us to make arrangements to pay within the next 14 days or a claim will be issued without further notice to you. if a claim is issued you will become liable for further court feed, solicitors cost and interest which are estimated below: current balance: 1457.89 estimated interest £116.63 estimated court fees £105.00 estimated solicitors cost £80 estimated total £1759.52 the letter does go on to say failure to respond will result in ccj entered against my name and they could take further action with warrant of control, attachment of earnings, and charging order there are a few things that bother, why didn't anybody in their office notice that i was contacting them from my current address, whilst they were still bombarding my parent? i even offered £250 as full and final payment for the debt. i find it odd that they have only been sending me mail since the start fo this year (i think) why have they reved things up their client has already said on a previous ppi claim that they didn't have the relevant contract so therefore see the claim as closed. if my mind serves me correctly im sure the debt if about 7 years old now. My current situation has changed as i was made redundant in November from my career, and currently on income support of £143 every 2 weeks...Yeah!!! logged on to Noodle and i see that Shop direct have made a log against my credit for an account which they deemed in their words - unable to locate a copy of the original signed credit agreement, we will not be pursuing the the above account for the outstanding balance. then there's another log with Lowell Account start date 03/12/2008 Opening balance £ 1,058 Date of default 18/01/2012 but i believe its older as this is probably when the debt was sold to them where do i go from here? i cant bare to go to court, i also cant have this ccj against me either. do i pay them? so far i have done the following: Posted to Lowell solicitors - County Courts Pre Action Conduct - Request for Further Information posted: CCA to Lowell financial Posted CCA & Sar to Shop direct financial

in October 2016 I've started a 2 years contract with Vodafone but after half a year I couldn't keep up with the payment and didn't pay since then. I do plan on getting rid of the debt once I'm fully back on track, I can't afford it at the minute and hoped I still have some time before any legal action can be taken. Recently I started receiving letters from Lowell Financial Ltd, headlining with "Pre-Legal Assesment". Do I have to be worried about any legal action? My Vodafone contract ends in Oct 2018 in theory. Are they able to file a CCJ even if they bought a debt of a contract that is not even brought to an end? I have read many other posts where people come with contracts that are 5-6-7 years old, and I'm here wondering how worried should I be about this letter. See the letter below. Thank you in advance.

Hello, I have been following this intermittently since I joined last October 2015. http://www.consumeractiongroup.co.uk/forum/showthread.php?452513-Sallie-Mae-UK-loans-statute-barred-or-not-scotland&p=4934734#post4934734 I am sort of the same situation, though I moved from Scotland to England in 2012. I am not sure which year Capquest via Sallie Mae, are referring to, but I received nothing after 2007-2008 when the loan was started until 2015, from the annoying letters they started sending me that year. I also had something from Arrow, but I have answered nothing for either Capquest nor Arrow. I tried to contact Sallie Mae UK in 2009 I believe but got bounced emails and nothing except something from an address in Canada, which was dead upon my response. So, seeing as how I am now in England, it is 2016, and theoretically the loan would have been statue barred in 2012 whilst I was still in Scotland, what would the advice be from the forum?

Hi, Im in the process of going to court with lowell for an old Argos debt. The hearing is next week, the 7th of June. I sent CCA and CPR requests in December last year and agreed to mediation. I got a reply stating that all paperwork would be sent to me just before court so couldn't sort things via mediation as I didn't have any details of the claim. In April I was sent copies of my signed agreement and statements of payments/purchases. A couple of weeks ago I was sent a copy of Lowells defence. I haven't received a copy of the default notice and in Lowells defence statement they state that they do not have a copy but can confirm that the original creditor has told them the date and they list it. Now I have received a Tomlin Order from Lowell and original debt of £255 is now £549 with interest, solicitors costs and the cost of the Tomlin order. My plan was to go to court and if judgement went against me then I would pay up on my Credit Card and pay it off over the next 2 months rather than deal with Lowells. Now I haven't a clue what is best, I've read a few posts and googled about Tomlin Orders but I don't fully understand it all. Would them not having a copy of the default notice help? Thanks

Hi all, Was wondering if someone could help me on an a statute barred query. Lowell have been chasing me for an alleged LLOYDS debt on and off for a couple years. Details… Date of last payment on account January 2012. The account was an overdraft, and already in arrears exceeding its limit at this point. No payment or acknowledgement has been made since. Value is roughly £1500. A default was then recorded on my credit file on 01/07/2012. Now, I would assume COA would be somewhere between the January and the actual date of recorded default. If this is the case, this debt is very likely already SB. However, after having read about Lowell I am almost certain they will argue the default date of 01/07/12 is the relevant date if I send a SB letter and I’d rather not get into any communication with these fools unless 100% sure. Basically, in 1 month the default will completely disappear off my credit file and it will be 100% certain SB. My concern is they will be wise to this and try to pursue a CCJ at the last minute. What’s confusing is my last couple of letters have come in the form of discounted settlement offers. The wording has been “before we take legal action, we would like to offer you” - firstly 20%, then 30%, then 40%. This confuses me, initially I assumed this is because they are somehow aware due of the timeframe of the alleged debt being a lost cause and are trying anything and everything. Or is there a chance they will all of a sudden withdraw these offers go straight in for a full claim? If so, then why have they not done this already if they stand to recover the full amount? Am I being naïve? I am just looking for some overall advise on how to deal with this situation. Shall I wait it out with zero contact? Shall I send a prove it letter to keep them busy for a while? Thanks Will

Hi Guys, need a little help. I had a default on my file from Lowell placed 30/04/13. Not paid anything from it, its an old Vanquis credit card debt, that was only about £450. It was frozen at £3191 at point of default. Heard nothing from them in years and now all of a sudden, I'm getting calls every day and as I'm not answering they are leaving messages, I have left them recorded on my phone, to show if needed how much contact they are applying to me. Then this morning, I have received a letter offering the usual 60% discount, which again I am not replying to our paying. Were do I stand with this please, just ignore and hope they go back in their shell until the 6 years default is up next year and then do statue barred or could they still take me to court and would they stand a chance of winning after so much passed time with no contact and such a inflated interest added on to the account ? Vanquis sold the debt on in 2012, I never spoke to Lowell when it was passed on either. And surprise surprise, never received the letter informing me of this or of the default. Any help would be great, thank you.

Hi All I have now received 3 letters in the last two weeks for a small 'debt' by Lowell on behalf of EDF. This supposed debt (£71.15) on the letter for 'outstanding balance' states a date range between '22.5.13 to 4.6.15 ( this was the entire term of my account with EDF I believe.) These letters arrived out of the blue. The account for utilities at EDF which ended at April '15 I think judging by old emails I have. Ive had no letters or other communications from EDF in the last 5 years that Im aware of about this alleged debt. Surely this must be some kind of fishing trip? Why would any company suddenly start sending letters for a bill Ive never received? The letter just says 'payment due', frankly I find this ridiculous and I am pretty sure my account was clear before moving on to Co-OP; Co-op completely messed up my account due to their complete system collapse when taking over from EDF. So far I have just ignored the letters.

Hi All submitted SAR for Vanquis CC debt on 19th July 2017. Have received a reply dated 2nd August 2017. It says receipt of my letter confirmed and apologies for delay in response. Letter then states 'A request has been sent to the original creditor for a copy of the agreement and statement of account. These will be forwarded upon receipt.' Further advises 'The above details relate to an account opened in September 2007. Last payment was made to the original creditor on 26th August 2011. Please see below for a list of transactions.' There then follows a list of shops names with transaction 1, transaction 2 etc typed next to them. No monetary amounts just shop names. Letter ends with statement 'We have suspended action on the account to allow for the original creditor to provide us with the requested information. If you wish to speak to a member of our staff please call etc etc.' Can anyone advise: 1. Will Vanquis provide the information? 2. What if anything should I do now? Any help greatly apprfeciated. cheers Steve

Hi everyone, hoping to find some urgent last minute help in this wonderful community Name of the Claimant ? Lowell Portfolio Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 03/10/2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [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? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Unfortunately I have now lost that document as have moved house twice since receiving their claim... have attached the defence I sent and the claimant's witness statement Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No What is the value of the claim? £938.19 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Vanquis credit card When did you enter into the original agreement before or after 2007? After (05/08/2010) 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 Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I lost a job at the time and couldn't make monthly payments What was the date of your last payment? 30/12/2011 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 planicon? No ------------------------ Hello everyone, Only just joined the community, but have been carefully following few threads to help with my personnal situation. So far it has been a priceless source of information and I hope to seek further help! I have my court hearing this coming Tuesday at 10am - here is a timeline of events: - Vanquis Agreement dated 05/08/2010 - Last payment made to Vanquis on 30/12/2011 - Notice of debt received by email from BW Legal/Lowell on 13/09/2016 - Letter with CCA request sent on 28/09/2016 - which was ignored - Claim issued by Lowell on 03/10/2016 - CPR18 request sent on 25/10/2016 - again, ignored - Defense sent on 05/11/2016 (copy of my defense attached in the thread) A year gone and never received the documents I asked in order to prepare defence of enter into mediation - DQ filed by claimant on 20/11/2017 - Sent another CPR18 request on 24/11/2017 - yet again ignored - Direction Questionnaire filed on 30/11/2017 Which brings us to present days, and the witness statement receive from the claimant only 2 weeks before the hearing (attached to the thread) - while I have been requesting information since November 2016 ! With the hearing happening in 3 days, I'm getting exponentially nervous about what's going to happen - and how I should prepare to defend myself. I misunderstood the notice of allocation for the hearing and didn't send a witness statement myself... is there something I should do/say at the hearing? Can someone kindly advise on the best course of action for me to get in the hearing with a bit more confidence? I'd like to avoid a CCJ at all cost and just want to settle the debt - but have missed the opportunities to do so as they failed to send the documents I requested A few questions I have after reading the witness statement several times: - I never received the Notice of Assignment. Statement says "defendant put to strict proof to the contrary" - clearly, shouldn't these kind of documents be sent registered and/or signed for? My gut instinct is to say they should be the one proving they served me with the notice of assignment (their responsibility, isn't it?) - With my CPR requests, I have sent deadline for them to collect and send the requested documents - none were respected. I literally had to wait almost a year and half and the witness statement (just a few weeks before the hearing) to get any sort of documents from them. Is that a point for me to use in my defence? As I've been chasing documents for a while in order to prepare my defence, ignoring my requests and sending these at the last minute should play in my favour? Many many thanks in advance for any help that the community could provide me with I will make sure to keep everyone updated. BW Witness Statement.pdf BW Defence.pdf

Hi All, Received a county court northampton form for lowell. An o2 contract. I've asked for proof of this from lowell and as it was taken out online, there isnt much they can prove. They said they have requested statements but these will show blank. Contract was not used, only the phone (which they eventually blacklisted) If i'm honest I lived at the address for a month and have no link to it, which was where the contract was set up and sent to. Can I disagree with the claim and ask them to prove it was me who took out the contract? If not, what can I do? Thanks,

Hi Can anyone help - I have received a claim form for a catalogue debt from 2011? I know to acknowledge the claim online but do I need to send anything to Lowell? Thanks

I started receiving letters from Lowell in 2016 for a debt my ex husband made in my name. It is for an Isme catalogue account which he originally took out on his computer in my name. After we split up in 2012 he must of changed the address on the account and had goods delivered to where he lived. I knew nothing of the debt until I started receiving the letters in 2016. I obviously had no idea he was still using the account and was worried about receiving the letters. My son still saw his Dad once a week and mentioned the letters to him, his Dad said he had been ordering and receiving goods but was struggling and couldnt pay it anymore. This debt was passed to BW legal last year, they started court proceedings at Northampton I opted for mediation but never heard anything back until a few weeks ago when the local court sent a date for hearing the case. It again gave the option for mediation with an email address so I opted for this again, however yesterday I received a witness statement from BW which says has also been sent to the court. The original debt is £592 but is now over £800 with interest and court costs added on. So can anyone give me any advice on what I can do to stop this going any further please? Im scared of ending up in court and being issued a CCJ for something which isnt my doing. Any help is very much appreciated.