Just when I thought I am getting everything in order here comes Lowells with a Pre-legal assessment letter. How funny they are sending a letter for an account that was settled. It was an old account that I had with BT which is also SB'd as last payment was made in 2010 (disputed termination fees which was settled). I sent them a letter to say that I do not owe them or BT any money and they are trying obtain money by fraud.

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 there I am trying to find out if Lowells did buy the debt are they liable to pay the PPI or is it the Cap One as the Original creditor who is liable to pay this back. I have read it somewhere it is the original creditor who has the right to PPI. Any advice would be greatly appreciated. I have a Cap One card with a small balance which would be SBd in a few months. Lowells claimed that they bought the debt but I had a dispute with Cap One for a long while. I have some PPI on that card which I want to claim. Lowell had put a Default Note in my CRA and the account is in their name although I had a dispute with the original creditor. Are they allowed to do this? I am going to send them a letter so would be grateful if anyone has had similar experience and has got a letter so I can send Lowell's a similar letter. Many thanks

Hi, I will try to keep this brief, have received county court claim from Lowells for credit card, I have already acknowledged service with intention to defend, sent CPR18 and CCA request but not submitted defence yet still have 2 weeks for that, what I need advice on is regarding the letter I have had back from Lowells as this could affect the defence I put in. They have not as yet produced any documentation that has been asked for and have said I am not entitled to deed of assignment as this is confidential, but below is what they say regarding the account and I paraphrase. The account was opened in 2007. The address they give for where it was opened I did not actually live there until 2009!!, would this have any relevance for defence I can prove that point? The last payment on account was in 2012, however I know that the credit card company took the money out of my account and as I did not recognise the activity on my account because the d/d mandate was so old, my bank recalled the payment and put back in to my account, my question is and this is important, does this constitute a payment as if not it would be SB They also said a default was registered on my credit file in 2012, obviously I have my credit files from all agencies (yes I am that anal lol) but there is no default at all from that date, the only one on there is one put on by Lowells not the cc company in 2014. Any thoughts on this would be really appreciated

Hi I see that Lowells feature frequently on here and would like some help with my response to the courts. I have received a CCJ claim form dated 27th January, it arrived yesterday, over an old ikea debt which is around £700. I had difficulty paying the instalments on time and then stopped altogether I know I am at fault and due to being a single mum on disability benefit with a mountain of debt at the time I just sort of buried my head in the sand. I understand that it leaves a bad record on my file but to be honest my credit record is probably screwed anyway since losing my job and so on... I was going to offer to pay something nominal like £2 a week since I am on benefits, or should I take alternative action/contest it, I had a text from Lowell today to say to get in touch but I don't understand why (and won't be calling them!) since they have already started the ball rolling with the courts in Northampton. Any advice would be much welcome, am useless at all this sort of thing and don't really know my rights, or ways forward. Thanks

Hi everyone i'm new here ,need help and i found this group,it's amazing how your guys help each other... i have a problem with lowells letter regarding an old talk talk bill, its from the time they got cyber attacked and my son said we should quit we only had a few months left and it was beginning to be unsecure. .Lowells have sent me a bill for 256.81 they want to discuss payments and are harrassing my son with phone calls even though the bill is in my name, we have been with vigin now for over 2 yrs, we thought they had accepted our email to get out of contract due to security,,, what do i do? do i respond to these horrible people.. .thanks in advance..

today received a letter from lowells Solicitors regarding an outstanding debt to orange I received on prior to Xmas and asked them to supply me with the following Contract/Agreement Statement of Account showing details and dates of debits and credits including payments, interest and charges to the account and the current amount outstanding; Copy of Default notice, copy of formal demand; and where the debt has been sold, copies of letters from original creditor stating that, plus letters from current creditor stating that the reply is as follow , As this is a telecommunication account it is not regulated under the consumer credit act1974 therefore the original creditor is not obliged to provide you with a copy of the agreement. The default notice would have been sent to your address at the revelant time .We have requested a copy of the account statment and will forward this to you upon receipt . We can confirm that the account was taken out on sept 2008 with mobile number -------------- and defaulted on the 15 oct 2013 due to non payment . the last payment was made on March 4th 2013 for the amount of £220.83 .Please contact us with suitable repayment plan within 14 days to confirm your prefered method of payment and date from the options located on reverse of this letter .if no response is received a claim form may be issued incurring costs .If you do not respond to the claim we may apply for a CCJ which could impact any future credit applications mortgages or even some employment while it remains unsatified on your credit file. Questions are as follows is there a lawfull request to obtain the original agreement or are they allowed not to disclose this. Also I do not recall ever paying this amount so I will be checking with my bank to verify this . Am I allowed to have the requested items I did ask for. Anyone posssible to help out on this one please. Thanks

Hi seeking some advice if possible , i read some of your posts regarding Lowells and i sent a request for a copy of the original credit agreement using the template supplied on site. I received a letter sometime back saying they would request it from the credit card company and that would take 40 days !!, as of today 14/12/16 i received a recorded delivery letter with an enclosed copy of a so called original agreement , this agreement has no date on it , no agreement number on it no signature on it and the address is spelt wrong it looks like they have just typed it up and sent it off This can't possibly be an original copy can it ? the original was taken out in 2012 they also attached some copy of statements which do have the address spelt correctly .

i wonder can anyone help me? i had notice of court action from lowells debt agency for an alleged debt of capitol one dating to 2012. this happened around mid september ..i subsequently complied with the court procedure but have asked for proof of debt plus a cca. . i seem to have received . . a statement of the account.. from capitol one... but nothing else.. here is what they say has been enclosed... it says "statement and notice of assigment received from client. agreement and default notice been requested... ..with respect to Deed of assignment . this is an agreement between our client and the original creditor containing confidential information. .. and you are not entitled to the information contained in it".... As stated, i requested a cca ... and now. . the court want me to mediate with these people.. but as i say ... i wrote stating .. only on the requested documents being produced... what should i do?

have been getting letters from lowells for an alleged debt to 3 mobile. ..for about 400 quid. ..which is strange as paid by direct debit never late never ever missed a payment. ...have ignored lowells and they have now passed to bpo!! i do love a tryer.. ...now there is obviously no cca to ask for.. ..am wondering why lowelifes have passed this on???

Hello writing on behalf of my mother she is 61 and took a phone contract out for me years ago and defaulted in 2010. I was about 14 at the time and ran up a bill and my mum was a single parent and couldn't afford to pay it. The debt was originally from orange and has now been removed from her credit report but Lowell have now taken it over 6 years later and added a CCJ to her credit report. They have said it will be left on her profile for another 6 years? Is this correct as i have been reading that the debt is cleared of after 6 years. The debt was originally £100 and now it's £500 is there anyway around this or will we just have to pay it? Thanks

Hi Caggers Looking for some guidance relating to a old credit card debt which Lowells have purchased. To cut to the chase have put a marker on my credit file etc etc . I have sent the prove it and CCA request , got a letter back to say unable to obtain docs we have decided not to pursue outstanding money ! Ok so far but last paragraph goes on to say as we are required to record true and accurate information on our customers credit file any default will remain in place for six years ! Not happy with this and am going to send return letter stating for it to be removed as firstly it is not under default for the customer but Lowell secondly any reporting will be misleading as it will not show a true reflection of the current condition of the account so do I have a case to have this removed ? Should I just go straight to the ICO ? Thanks

Good Day I would like to ask for help please I am in contact with our friends from Lowells ref an alleged mobile phone debt. I was bombarded with letters stating that they had bought the debt and that I owed more than £450. Now I did have a 3 mobile account, it was terminated quite properly in March 2014. Payments, were made by direct debit and there was no outstanding airtime balance or early termination fee. I finally got tired of Lowell, so sent them a templated 'Prove It'. They responded that collection activity on my Panther account had been suspended. Panther is an EE/Orange tariff. I have never had an. EE/Orange contract Today I received the 'Prove It' response. The alleged proof, all they sent, is my FINAL BILL for £76.08 twice my monthly payment. I guess that as a final bill, the last 2 months are charged as such accounts are billed in arrears. No issues with that. No mention of anything else. On the FAQ sheet, rear of the letter it states "The original creditor has only been able to provide the enclosed statements" However, they also claim that they are entitled to claim Early Termination Charges which may not appear in statements. I have never received notification from either 3 or Lovells regarding assignment of the alleged debt. I paid the last bill a few days late as I was working abroad, but that was never challenged. It should have gone through by direct debit, but I had changed my account details after changing jobs. I notified 3 of this and they replied that the final bill could be paid via Giro Credit. They even sent me a slip. This was paid accordingly. I have records. I am happy to do battle with this parcel of rogues, but I don't want a sneaky CCJ. Is this a fishing trip? Can they tack on charges not covered in a final bill? Any pointers would be welcome. Thank you.

Hi all. I am in desperate need of some help I'm afraid. I just received a county court claim from Lowells in regards to a debt I had with Littlewoods. The debt goes back a few years, I stupidly bought from Littlewoods when I was out of work and desperate for clothing. I tried my best to pay off as much as I could but then Lowells got involved and started demanding way more than I even borrowed from Littlewoods. Earlier this year I emailed them a demand to show me proof of the debt, they took over a month to do so and all they sent me was a standard Littlewoods credit agreement with my name printed on. There was no breakdown of the what the debt was for. I also argued that they took way too long to send this to me and it did not have my signature on it, but they said none of that mattered and I still had to pay. I asked for time to seek legal advice but today I received the court papers. The debt is £1326.01 plus £70 court fees plus £80 legal reperesntives costs so the total is now £1476.01. I cannot afford to pay this at all and I am now scared and worried sick. Please could someone advise about what I might be able to do? If I admit the debt will I still get a CCJ and get my credit rating ruined? Can I contest the debt? And if so how should I approach this? The issue date on the letter is 28th of October 2016 and it arrived today so I assume I don't have long to respond before I lose by default. I suffer from very severe depression and anxiety and this is having a terrible effect on me. I would just pay it if I could and I don't want to get a CCJ and have my credit ruined. Please can anyone help?

I have on my credit file a defaulting ongoing account from lowells that they have started registering on my credit file since 2015. I contacted them in 2015 and asked who they were and they were very unhelpful. They could not tell me anything unless I gave them further personal information which I was not prepapred to do as they are already ruining my credit file. I have many other accounts which are all good but this is ruined my credit rating. it says the default date is 2011 but nothing is put on my file until 2015. its only for 280 which I would happily pay but it would still leave my credit rating in tatters as it looks like I have not paid a debt. It says it is for a credit card on my credit file but I seriously don't think I have any credit card debts. so confused

Hi, I am hoping for a little advice Lowells issued a claim against me for the sum of £5200 I confirmed the claim and sent defence in I also requested copies from them of default notice, statements of accounts, credit agreement (post 2007) and also that they legally owned the debt. I received nothing and the claim was stayed. A few days ago I received a statement of accounts and credit agreement and although the covering letter says the default notice is enclosed is was not there, the covering letter basically threatens me to contact them or they will apply for a default judgement to be made against me. After going through the statement I see that out of the total amount owed there is over 3k in interest charges and over 200 in ordinary charges. also there are numerous entries on the statement for accidental death plan for £5.95, in the adjustments part there is also things added such as $400 for TRANS EX TERMS They urge me to contact them and the questions I have is should I and try and negotiate because of the interest charges and other charges and also things like death benefit charges, I mean how many do you need? Should I do this before they potentially lift the stay, Can I argue about these interest charges at all? Or should I write to them and offer them payment to stop any action but acknowledge that I only owe part of the debt?. I cant upload any docs as I dont have the means to but the credit agreement was on 4/12/2007 unsigned but on statement of accounts it says account opened 25/11/2008

Hi, Posting for my daughter, she is being chased by Lowells for an alleged debt that they refuse to prove she owes. They started this phishing expedition a while ago and I advised her to just ignore them for a while. A few months ago I got her to email them the prove it letter, I forgot to actually post the letter yesterday she got another letter, saying that they may "search her credit file to ascertain her means" . I posted off the Prove it letter and have proof of posting , my question is, are they allowed to just have a poke through your credit file when they won't even prove that you owe the debt? I am guessing that the answer is no, but how do we stop them? Thanks in advance.

My daughter in law is getting threatening letters from these in regards to a bill she owes seven trent for a unpaid water bill in 2013 the trouble is she didnt live at the address at the time they are saying the bill is from . She has explained this to seven trent and they said ok now she is getting pre legal assesment letters from lowells what can she do she in theory has sorted this 3 years ago with seven trent

Hello I have received a claim form through from the county court regarding a debt owed to Lowells Financial. I have not received a notice of assignment from them . I have not received any statements from them. I was wondering what the best way of approaching this is? Thanks

In January this year I received a letter from a company called Sigma Red informing me that they had passed my account with premier man to Lowells. Which was interesting because it was the first time I was aware of having an account with premier man! So I sent the standard letter to Lowells saying prove you have the right person or bog off. On 9th July I received a letter from Lowells with a photocopy of an unsigned credit agreement with this company, the name including the middle initial is the same as mine but the address is somewhere in South London that I have never lived at. The supposed debt is for £268.34. So, either there has been a cock up and there is someone out there with exactly the same name and initial as me (highly unlikely) and they think I'm going to pay their debt for them, or somebody has stolen my identity and some kind of fraud has taken place. I am not sure what the best way to proceed is. Should I just tell them to bog off again or will they just think I am avoiding paying and take proceedings further. Your advice would be much appreciated. I should add finally that the account was apparently opened on 9/7/2011 which happens to be around the same time that I did actually buy some trousers for my partner from the said Premier Man, they were paid for in full at the time, and they were so horrible I vowed never to buy anything else from them!

Hi all, I haven't been on here for a long time, as I thought my debt problems had gone away. . Until today that is, I have been sent a county court claim form from Northampton. County court the claimant is lowells, they are claiming for an old capital one credit card debt, this was an original debt of about £150 lowells are claiming for £389.90. This debt was way back in May 2006, so I'm guessing that they shouldn't be able to get a county court judgement against me? The forms look real enough but I was going to phone the court on Monday to see if it is actually a real claim. There is no court stamp on the claim form it just has a picture of a crown in a circle with the wording 'the county court'. The court phone number is given as 0300 123 1056. I don't want to call this number and start discussing the case if this is a "fake" form and I actually end up talking to lowells themselves. Any help or ideas on this matter gents and ladies? Many thanks in advance for all and any help. Regards Moonlandings

this might take a while, but here goes.... I split with my ex late in 2012 – September or thereabouts She was a compulsive gambler and got us into all sorts of bother!!. We sold the house and paid off debts etc....or so I thought. A few months ago I started receiving letters from Lowells at my new address (presumably they found me via the Electoral Roll or similar). They were claiming payment for several different debts which they claimed I owed. I thought at the time of us splitting that there may have been the odd debt which was missed (my head wasn't in a great place at the time), but nothing like what they were on about. Details: Vanquis Credit Card - £778. I sent Lowells the usual CCA Letter and they have come back with an “electronically signed” agreement as I'd apparently applied for the card online. Along with that is a statement of account and the last transaction on this – other than their charges - is dated 1/12/2011 yet the default date on Experian is 31/8/2012??? Provident - £4,450 I sent Lowells the usual CCA Letter and they have come back with statements of accounts. These are merely like Excel spreadsheets with balances, payments etc with my name & address on them. They are not what I would consider legally-binding agreements under the CCA, and quite frankly, are documents which I could have run up myself in next to no time. The £4,450 is made up of several apparent individual loans with various start dates and all are listed on Experian with my old address on them. As stated I left that address late in 2012 not knowing about these debts and therefore have made no payments to them since then. Yet Lowells have the default date for all of them as 19/5/2014??? Creation Consumer Finance - £597 Again I sent Lowells the usual CCA Letter they have come back with an account statement and what I would say is part of the CCA Agreement. This is only one page and is signed by myself but it is a copy – not the original document. What concerns me about this is that the original creditor sent this copy agreement to Lowells with my bank account details on it. Obviously I would never have consented to this I'm wondering if this contravenes the DPA at all. Funnily enough, I cannot see this debt on Experian or on Noddle???? No idea what to do next. I'm loathe to give Lowells a penny – if I was dealing with the original creditors I'd enter into a plan of some kind. I'm not in any position where I can make significant payments. Help....?????

Hi There, Very very new to all of this but was recommended by a friend to seek advice. I received on Sat 2nd July a Claim for Lowell solicitors in regards to a credit card debt I had some years ago when in a dire financial situation. The sum total for the debt inc cost etc is now £723. My situation has improved only slightly in that I am now working part time, but I am trying to keep my head above water in regards to other debts. Whilst at a push I could offer a payment plan of some description, I was wondering if there is anyway I can fight this. I wouldn't be opposed to paying vanquish the original debt now, but to pay lowel who has bought the debt just infuriates me. Just wondering if I have options or not. I haven't had any phone or letter correspondence with them though periodically I have received letters threatening action, which I have ignored (I know My own fault ). Appreciate any advice thanks

Hello, I'm sure I'm probably starting off on the wrong foot. But I received a letter from Lowells yesterday morning. They've been assigned a debt which I'm 50/50 might be statute barred. I googled for help on how to handle them and your good selves came up, but also a lot of links warning me that this site gets paid by Lowells to get posters to reveal as much information as possible so they can use it. CAG is apparently letting Lowells post here and view threads, etc, and even certain posters keep asking for documents to be scanned up as pdfs so Lowells can get a better idea of who/what/etc. Please tell me this isn't true? Again, sorry for sounding paranoid, but having heard things about the owner working for bailiff company Marstons and an over-zealous site team of ESA claimants with too much time on their hands who edit and delete threads because it makes them feel important and gives their empty lives meaning, I just wanted to double check this isn't the case.... Thanks.

Name of the Claimant ? Lowells Date of issue – . 06.05.16 Date to submit defence = 4pm Tuesday 7th june What is the claim for – 1) The Defendant entered into a consumer credit Act 1974 regulated agreement with Lloyds under account reference XXXXXXXXXXXXXX ('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 26/08/2014 and notice given to the Defendant. Despite repeated requests for payment, the sum of £1,600.00 remains due and outstanding. And the Claimant claims a) The said sum of £1,600.00 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 £0.326, but limited to one year, being £130.00) c) Costs What is the value of the claim? £1,900 (including court fees) Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Current account (overdraft) When did you enter into the original agreement before or after 2007? Before 2007 (2003) 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.lowells Were you aware the account had been assigned – did you receive a Notice of Assignment? I do not recall receiving any notification Did you receive a Default Notice from the original creditor? I do not recall receiving a default notice Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I do not recall receiving anything like this Why did you cease payments? As I had incurred excessive charges on the account and after my claim for the charges back was rejected due to the banks winning in the high courts I felt that I would never pay off the debt as when I was making monthly payments it did not seem to be decreasing. I felt they owed me money so stopped paying or responding to them. I believe I stopped in 2009 as that is when I sent my claim for the charges and they responded once they had won the case. What was the date of your last payment? I cannot recall but again I do not believe I made any payments after 2009 Was there a dispute with the original creditor that remains unresolved? As I above, I felt it was unresolved but they said it had been resolved in through the above mentioned case. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, they agreed on a monthly amount I could pay = £30 and £50 per month Help needed please... How should I proceed with this? I wish to defend all of the claim. Thanks To add, the account was opened in 2003 and I believe it could be statute barred as I do not recall making any payments in the last 6 years or acknowledging the debt in that time.