I have an old credit card debt from when I was younger and stupid with money due to fall off my credit file June this year. Lowell have started writting to me again, it's been a good 2 years since I heard from them. I suspect they know it's going to fall off my file and have come up with an offer to settle for 90% discount. Is it better for me to wait until June or would I benefit from settling the debt at 90% discount? after all its only going to cost me £300 which is pretty much nothing compared to my income now. Lesson learned I guess! my question is which does me the best favour credit rating wise, it's frustrating I have good income now but because of things I did when I was in my early 20s I have issues borrowing for cars and a mortgage.

Good morning I have returned from a weekend away to a CC Claim form with Lowell Portfolio 1 Ltd as the claimant ... They state it to be £150.23 to Avon cosmetics, but I cannot remember such a debt and if there even was one it was around 5 1/2 years ago! I never received a default letter from Avon (they say in the claim they sent an assignment in 2015) but I can honestly say, I never received anything. They are claiming #150.23 + #12.02 (8% interest) + #25 court fee + #50 legal representatives costs ... total is #237.25. My husband just says to pay it (I can't even see how I can do that as no payment details are attached) and I really don't think I owe anything! I have no idea what to do next & the clock is ticking on me doing something with this. Any help would be very gratefully received ... I don;t have a cheque book, so it would have to be a BACs payment (If I do just pay for it to go away) . .. but i'm not happy to pay fees, interest etc. on something I really don;t think I owe! Many thanks

Sorry Guys first time of using this so I apologise if its a bit of a ramble In 2002 I took out credit card with Cap 1 my credit limit went up to £1200 all was ok till around 2007 when I was at my limit but not over when interest and insurance payments took me over the limit I carried on making payments but now I was getting over limit fees as well as the interest and insurance charges. In 2008 due to the economic climate my employers cut all overtime and bonus payments to preserve jobs. I could not at the time afford to clear the over limit amount despite speaking with cap1 about the fees they were charging I was told I need to clear the over limit to stop any further fee so with a balance of approx. £1800 I stopped (poss. wrongly) payments as the actual loan amount must have been paid and the rest was just interest charges and insurance. in 2009 my account was defaulted with a balance of £2150 fast forward to 2012 when my account was sold to Lowell. they contacted me I sent a letter saying I do not acknowledge any debt. to them in my opinion the balance was charges and interest and insurance and I suggested they contact Cap 1 for payment I also requested copy of my agreement and a list of charges etc. I never received this. I would receive the occasional call from them I would say im not paying put any comments in writing I have now arrived home from working in Scotland to a county court summons dated 16 March from Lowell Solicitors on 2nd April I have sent an acknowledgement disputing the claim. I now have until the 14th to file my defence this is where I need your help do I have a defence? another prob I think I have is I have shredded all old paperwork its over 6 years old and I have changed bank accounts so I have no access to payments etc. you help would be appreciated even if its to tell me I need to pay up thanks

Having sorted my own issues, I'm now trying to help a friend. Lowells have issued a claim on 10th April so I've completed the Aos & CCA'd and SAR the OC plus 31.14 and CCA'd Lowells The claim relates to a loan for a kitchen which included a lump sum PPI payment as part of the loan, (friend was self employed at the time of inception, PPI has been reclaimed). POC The Defendant entered into a CCA1974 regulated agreement with GE Holiday Ownership Loan under account ref XXXX ("The Agreement") The Defendant failed to maintain the required payments and a Default Notice was served and not complied with The Agreement was later assigned to the Claimant on XXX and notice was given to the Defendant Despite repeated requests for payment, the sum of XXX(£7k ish) remains due and outstanding. And the Claimant claims a) The said sum of £7k ish b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8%pa from the date of assignment to the date of issue, accruing at a daily rate of £1.50, but limited to one year, being £550 c) costs Prior to payments ceasing (financial distress) a CMC looked at the agreement & reckoned it was unenforceable, took a fee & said they would deal with the matter. Unsurprisingly, the CMC has gone out of business!! The DN looks faulty to me and includes inflated charges Will wait for result of CCA & 31.14 before posting agreement for comment. Am I on the right lines?

Hi, I am in the process of trying to source a mortgage however the fact that I have historic defaults on my credit files from telecom companies is causing me problems. These are all with Lowell and range from 4 years to 5 years old. What's the best way of dealing with this to ultimately get the defaults removed off my credit file within the next 3 months due to wanting to take advantage of a "right to buy" offer we have. Obviously I am NOT saying that I don't want to pay these however if its best to go down the "final settlement" route as long as the default is removed etc than I am happy to look at that? Some of the defaults I genuinely don't have a clue what they are and would protest against them if time was not against me. any help would be gratefully received. Many Thanks Scott

So I raised a complaint regarding a Cap One Account i paid in full for back in 2014. They promised to update it to Satisfied and failed to do so. I kicked off with their Execs Team and they ended up paying £50 in compo and agreed to correct it. Just remember - DCAs are not FOOLPROOF and YOU CAN get your own back...

Hi everyone, it's been a while since I've been here. I'm dealing with the above for a family member. I have already acknowledged service on MCOL and ticked defend all. Am I correct in thinking the next steps are CCA to Cap One and CPR31.14 to the solicitor? Do I need to SAR anyone? Name of the Claimant ? Lowell Portfolio Ltd Date of issue – 07 April 2017 What is the claim for – 1. THe defendant entered into a Consumer Credit Act 1974 agreement with Capital One under account reference xxxxxxx (the agreement) 2. The defendant failed to maintain the required payments and a default notice was served and not complied with. 3. The agreement was later assigned to the claimant on 26/09/2013 and notice given to the defendant. 4. Despite repeated requests for payment the sum of £3xx.xx remains due and outstanding And the claimant claims a. The said sum of £3xx.xx B. Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue accruing at a daily rate of £0.076, but limited to one year, being £27.xx C. Costs What is the value of the claim? £46x.xx 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? I am unsure of this. 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. Lowell Portfolio ltd Were you aware the account had been assigned did you receive a Notice of Assignment? No notice of assignment was received Did you receive a Default Notice from the original creditor? Family member doesn't recall Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? One was received a few months ago but none prior to that Why did you cease payments? He was made redundant from his job and was struggling with a few debts he had at the time What was the date of your last payment? Sime time in 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 managementicon plan? No Thanks in advance

Hello all. A while back I defaulted on a Vodafone account, and now owe them a four figure sum. I haven't been able to clear the debt due to low income and focusing on priority debts. I can't remember if I received a default notice or not (the default is on my credit reports) but the amount that is in the letter of assignment is double than what is owed. The amount owed is on the default on the credit reports and the previous letters received from Vodafone, I'm 100% sure that the amount I was originally told I owed is correct. What I don't understand is that amount on the letter of assignment is exactly double of the true value of the debt. The default was placed in June last year so I can't understand why or how the amount owed can double in 9 months when the service was cancelled before June 2016. Can they legally double a debt when they sell it to Lowells? Any advice regarding this would be appreciated.

Hi guys, Received a N1 today from the country court business centre issued on the 13th of April The claimant is Lowell Portfolio L LTD and Lowell Solicitors Limited On the letter it states the Particulars of Claim which are as follows, 1) The Defendant entered into an agreement with O2 (UK) LTD under account reference XXXXXX ('The Agreement') 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 30/09/2014 and notice was given to the Defendant 4) Despite repeated requests for payment the sum of £781.37 remains due and outstanding and the claimant costs. a) The said sum of £781.37 b) Interested pursuant to s69 county courts Act 1984 at the rate of 8& per annum from the date of assignment to the date of issue accruing at a daily rate of £0.0171, but limited to one year, being £62.61 c) Costs It is signed Lowell Solicitors Limited Total amount with court costs and legal fees £973.88 Where do i stand with this? what is my first step as I admit I have previous debts from 5+ years ago but I do not recall this one and I've had no other letters of Lowells regarding it

Should have seen this forum sooner! My mother in law had a mobile account with EE a few years back. Then she migrated to the USA and stopped the payment when the contract ends. Unfortunately EE kept the account open thus accumulating payments being unpaid. The account has then been sold to Lowell, as usual we ignored their letters until she had a letter from the county court and at the time there were so many problems going on with her the county court letter had been ignored as well. Then a bailiff letter was sent stating that they will possess whatever goods that will amount to £466 (the amount owed from EE) if the fee of £179 until the certain days given is paid. Seeing this she panicked so she paid the bailiff fee through the court's office who issued the letter then set up a monthly direct debit to Lowell of £5. By setting up a monthly direct debit does that mean that she is now in an agreement to Lowell for the said amount and nothing she can do but to pay them? Lowell has seen that she is a homeowner that's why they are so persistent about this debt, claimed to the county court and bailiff. Thanks.

Hi, I got a claim from Lowell for an old debt from BT. I submitted my defence which was: (a) time-barred (BT account dates from maybe 2007?, but I'm not sure when the date of the debt is, I closed it quite some time ago) (b) if not time-barred, then not due, as charges were for broadband usage (£200) which BT did not notify to me until bill arrived. total claim is £200 + costs + solicitor fees. I checked my credit report, and it shows: Lowell Account start date September 2007 Opening balance £ 190 (I'm not sure why the difference?) Repayment frequency Monthly Date of default 28/10/2011 Default balance £ 194 First date shown is June 2016 , I guess when they purchased from BT. Now I have a small claims mediation session. I would like to settle, any idea what kind of amount? £50? Also can I get rid of the default on credit report?

Hi all, stepdaughter got a County Court claim form this morning from Lowell. Usual Northampton one. Dated 5/4/17. Its for a Shop Direct account but no dates other than the date of Assignment to Lowell (2/8/2013). Is it too late to send a CCA Request and SAR? Being Lowells, do they have a particular pattern of deception I could probe? Only just seen this thing and wondering how to acknowledge online and whether to provide any kind of defence at this stage. Anyone any clues? Thanks all.

Hi, yesterday I received a letter with a county court summons saying that I owe nearly £300.00. Can someone help me on this please, I have only just started to get my credit back to an average status and do not want a CCJ against me for this amount. What do I do now??? Any help would be much appreciated... Thanks

this is for a friend court papers arrived for an old EE debt. she thinks its not statue barred. checked her credit file. and this is the first time she has checked it. it has nothing for EE or lowell on it. in fact no defaults at all. logged into moneyclaim and did the aos and tick box to defend whole of the claim monday the cpr 31.14 record delivery am i correct in what have i done so far and what should i do next. the issue date is 13th december

Hopefully one of you extremely clued up people can answer this. My son has a default on his account from Lowells for £33.00 for an old 02 phone account. O2 say they didn't put the default on him as they sold the account to Lowells. Any advice would be appreciated.

Hi evreyone I received a letter from the the county court asking me to pay £471 to lowell who bought the debt from orange! if i dont a judgement may be entered against me... Back to june 2013 i went back home for 15 days when i came back to London i received an orange bill of over £200, i called them asking why the bill is higher then usual, they said i used roaming !!! before flying to my distination i called orange to ask for the roaming prices abroad and because was expensive i didnt take it so i used the wifi . I refused to pay the extra for something i havent used, they offered me to pay half of the bill but i insisted to pay only my monthly bill as was on the agreement. i called orange costumer service again because they discounted me from makjng calls explianed them again that j will pay only the monthly as we agreed and i requested a call back from a manager but the call didnt come for next 6 days so i switch to an other network! Please any suggestion as i checked my credit score today was 2/5 ! Thanks

Hi everyone, I have a court hearing with Lowell's in 2 days time, and I'm wondering whether I have a leg to stand on. I admit, I've been stupid in not dealing with this earlier, but I suffer from depression and stress, and this was something I just couldn't deal with. The brief circumstances are that a catalogue (Jacamo) was apparently taken out in my name, at my previous address (where my ex boyfriend still lived). At the time the account was taken out, I was living in Ireland. The first I knew of this debt (£900) was when 2 letters arrived to my new address in the UK, around a year ago, from Lowell's and BW Legal, and then court documents a couple of months later. Naively, I have filled in all of my defence submitted to the courts simply saying that I had no knowledge of any debt, and asking that Lowell/BW Legal provide evidence (at this point I didn't know what the debt was for, or when it was from, so I was unable to give a proper defence). I know now that I should have done things differently, but that's spilt milk now. On the last day of filing for evidence, Lowell/BW Legal sent me a pack containing - - reconstituted Credit Agreement, which contains my name and old address (hand written), and a scribbled signature in their section. Nothing is dated, and it does not have my signature (I know that this is no longer required). In addition, the print is copied so badly that the text of the agreement is unreadable. - print out from their system showing various amounts, dates, etc - print out of what was ordered - letter, dated 29 April 2014, sent to my old address, (on blank paper, no letterhead, so not entirely clear who is supposed to have sent it) saying that the account with JD Williams has been sold to Lowell Portfolio I - letter , dated 29 April 2014, sent to my old address, from Lowell, introducing themselves. -letter, dated 19 April 2016, sent to my current address, from Lowell saying that I have not repaid the account and it has been sent to BW Legal. -letter, dated 19 April 2016, sent to my current address, from BW Legal saying that they have been instructed to commence Legal Action. The letters from 2014 were not received by me, due to me not living at the address they were sent. They appear to provide a Notice of Assignment, but not a Deed of Assignment - does this matter? There doesn't appear to be any copy of Default notices which should have been sent - does this matter? I'll get scans of all of these uploaded, but in the meantime, does anyone have any advice? Since I did not know the details of the debt until after I had to submit my evidence, am I unable to take anything in to court to prove that I was living elsewhere at these times (including when the debt was originally incurred)? I'm just so mad about this....I trusted my ex boyfriend, but it seems that that trust was misplaced. Here are the scans of the documents they've sent, excluding the list of what was 'purchased' (which I'm not sure is relevant - if it is I'll post it). I'll blocked out all personal details. Credit Agreement (address is my old address at which I was not living at the time) Print Out from their system - showing my current address Assignment of Debt Letter from JD Williams?? sent to my old address at which I was not living at the time. Introducing Lowell Letter - again, sent to my old address Lowell 'Litigation Letter, sent to my current address BW Legal Letter of Claim, sent to my current address on the same day as the above. Is there anything here to go on? doc1.pdf

Have received a B10 notice and when I called the court a hearing is on the 8th sept, I would like to have the hearing adjourned and not sure how to go about it. Tomorrow I am going to send a SAR to them, That do not have a CJJ and have not issued a claim. I believe they have issued a Statutory Demand. Its on behalf of Capital One Credit Card. Its possible I was paying PPI and have paid excess charges on the account. The Debt is only 2-3 months away from being statute barred. Its for a total amount of £1.746 which £400 is costs. Should I send a request for an adjournment and until I have all the papers back from the SAR .

About 20 days ago a submitted defence on a debt catalogue as the solicitors and DCA had hot responded to my letters to supply CCA etc. I had acknowledgement from court and waiting for them to defend. I have received a Notice of propose allocation to small claims track from the court saying Lowell have defended and that the claim appears to be suitable for allocation to a small claims track I also have a small claims directions questionnaire asking me to fill in if i believe this claim is not suitable for small claims track and must do by 27/03. They send a copy of the agreement without a signature, nor date nor a box ticked? are trying to get a copy of Default notice and they are hoping we can sort it out without a hearing. want mediation. any advice on this? Many thanks,

Hi, Today my partner received a letter from Lowell's Finance telling her she owed a very large amount of money on a Littlewoods account. She has had a Littlewoods account in the past but it was paid up and closed about two years ago. So now we are left in a weird position, this money has accrued and we haven't had any post about it before now, from Lowell's or Littlewoods. We can't remember any log-in information, and when we try to recover the forgotten password with my partners email, it tells us there is no account existing with that email address. We don't know if it's some kind of mistake, or we have been the victims of fraud for over a year. But it's definitely not us that have used this account, and now I'm worried that we have been left with a bill and our credit affected because someone else has opened a Littlewoods account in my partners name. Any advice would be much appreciated.

I have received a claim form from Lowells solicitors for a studio catalogue debt. I have responded to the claim form but need to put in a defence but I am unsure what to write. I have sent a cca request to lowells solicitors and they have responded saying the account is on hold until they receive it from studio but I still need do the defence. help please..........

Hi guys just back from Durham County Court with a victory over Lowell and it seems i found a Judge who would not be told the law. My case was around a 5 year old debt that i was being chased for but was not mine, Lowell issued a claim despite me sending them a letter to deny the debt. Once i had the claim i sent off a CCA request and it took Lowell 67 days to send some of the information asked for and in this case the Deed of assignment was asked for but Lowell refused and instead sent a hashed up copy of a notice of assignment claiming the Deed was between them and their client. I scanned this forum and got some good advice but the advice was split regards the deed with some saying it does not need to be shown and others saying it should. Well today the judge rather slapped down the Lowell solicitor who told her she had no need to see the deed as the letter of assignment was proof enough. The judge came back with a raft of legal points before dismissing the case stating without the deed Lowell could not prove they owned the debt

Morning All, I have been battling with Lowell for a few days now I am looking for a bit of advice. I'm not at all clued up on legal jargon so I'm not sure what to do next. In a nutshell, I'm a teacher just starting to think about buying a house. I've always paid off any contracts that I have and cancelled them under the 30 day grace period respectfully. Upon looking at my credit rating I noticed that it was horrendously low (503) I checked through Noddle why this was the case and Lowell have been defaulting two supposed debts... I have emailed Lowell asking what the debts are for the email states: Account Number Original Client Original Client Reference Current Balance Initial Contact Date 25* Three Mobile 9* £20.08 29th April 2013 15* Orange 7* £65.11 30th December 2013 The former Three Mobile account was opened on the 2nd April 2008. The client last receive payment for this on the 1st April 2011 for £20.08. The number associated with this is 0* the tariff was Broadband 5Gb (18/24 months). The balance is made up entirely of airtime debt. The former Orange account was opened on the 28th April 2009. The client last receive payment for this on the 7th March 2012 for £31.96. The balance is made up entirely of airtime debt. As you can see from the dates I have cancelled the contracts well over the 24months (I held them both for almost 3 years!) So when I cancelled I rung up and told them. I'm assuming they continued to bill me for an extra month. I asked for evidence of the Notice of Assignment. He has just forwarded two letters, not letter headed I might add with some glaring mistakes... This is the Orange letter: Dear Mr McGirr We hereby give notice of the assignment of the debt due to us (trading as "Orange") from you in respect of the balance of £65.11 outstanding on your account. On «ClientClRegdate» your account was sold to Lowell Portfolio I Ltd. It is essential that all future payments, correspondence or queries regarding this account be directed to Lowell Portfolio I Ltd quoting reference 1*. Contact Address: Enterprise House 1 Apex View Leeds LS11 9BH You'll notice the "On > as part of the letter... The second letter that was linked to the three account had the wrong address, four doors down. What are my next steps? I want this removed for my credit rating ASAP. it's 2008 !!! Thanks in advance, S

Hi Have received a pre-legal assessment letter from Lowell Financial Ltd apparently for Argos Card Services. It does not use the usual 'may' or 'could' comments and reads as follows: Having assessed our options we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan. This debt does not appear on the credit file - not sure what to do in this situation. Any advice would be gratefully received. Thanks Dibdob

Hi My husband has had an account with JD Williams for the past 6 years, 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month which we have paid religiously ever since. Last week he received a letter saying the account had been sold to Lowell and that all payments should now be made to them. I have no issue doing that but they have now started calling our landline (my hubby works nights so we could do without that really!) and we don't want to start being harassed when everything's been fine for 4 years. Is there anything we can/should do? My son answered the phone and is now worried sick :-/ Many thanks Maudy