Showing results for tags 'lowells'.
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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! -
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. -
Hi, I would be grateful for some advice without judgement. My husband (sole trader) lost his business in May 2011 due to the recession. He had numerous debts that he was then personally liable for. It was a really tricky time for us for a number of other reasons also and it was genuinely our intention to save for the bankruptcy fee but we had to move first (rental). We then, I am ashamed to say, buried our heads in the sand, and ignored chasing letters (which have only come sporadically) while we tried to get back on our feet. On 11th Dec 20015, my husband received a Claim Form from the County Court Business Centre, Northampton. Nothing to suggest it is not genuine. Claimant is Lowell Solicitors. We have received letters threatening/warning of their intended action but we have had many that look similar, that we clearly did not notice that whatever last one we received was final. Usually after a while, the debt just gets sold on. He now has the option to agree and pay in full (£1842.27 - not currently possible), to agree and ask for time to pay, to admit only part or to disagree. My husband recognises the debt, although we cannot know who the original creditor was as the debts has been passed around since he defaulted. The sum outstanding for Lowells shows as less, £1522, and states he defaulted in April 2012 - which is not correct as he stopped paying them all at the same time in May 2011. On the form Lowells claim is for £15657.27 plus fees. Am I right that unless he is able to pay in full, he cannot avoid a CCJ? If he was to offer to pay in instalments, would this info be available to his other creditors? Wonder if it means the others will come after him in more earnest? This was for a much lower sum than the others and his outstanding debt totals over £30k. Is there any way to buy a bit more time? Clearly we are now, maybe quite rightly, forced to address this and deal somehow with the whole lot, but we will need to get some advice on what options, if any there are. Maybe extra time won't matter if he is likely to end up bankrupt? I presume the debt that leads to a CCJ can be included? He's going to call Stepchange tomorrow but does anyone have any experience of this or advice for us? Many thanks r710 -
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. -
Name of the Claimant ? Lowell Portfolio Ltd Date of issue – . 26th May What is the claim for – The claimants claim is for the sum of £4099.36 being monies due from the defendant to the claimant under financial services agreement regulated by the consumer credit act 1974 between the defendant and Shop Direct Financial Services Limited under account reference XXXXXXXXX and assigned to the clamant on 24/05/2012 notice of which has been given to the defendant. The defendant failed to maintain the contractual payment under the terms of the agreement and a default notice has been served and not complied with. The claim also includes statutory interest pursuant to section 69 of the county courts act 1984 at a rate of 8.00% per annum (a daily rate of 0.78 from the date of assignment of the agreement to 24/05/2013 being an amount of £285.48. What is the value of the claim?£4099.36 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? Catalogue Debt When did you enter into the original agreement before or after 2007? 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. Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? no Why did you cease payments? Lost my job What was the date of your last payment? 4-5 years ago 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? Yes, I asked the original creditor for reduced payments which was declined Hi, I have read a similar thread here from some one who seems to have the same problem as I do, but rather than just blindly follow the advice for that person, I thought I better start my own thread and ask for help. I would really appreciate it! I received a claim form with reference to an old catalogue debt (last payment around 4-5 years ago). I read that I should be sending the claimant a CPR? Do I do this right away using the template on this forum? what do I need to do with the Claim Form? Should I be sending anything else off? I'm so confused and not very good at this legal stuff Thanks for any help you can give me. -
Hi, just after a bit of advice here. I have been behind and over my limit for about 12 months but had been making regular payment all be it not enough for my account to be up to date. Today I recieved a letter. It said the following. Overdue amount: £..... IMPORTANT YOU SHOULD READ THIS CAREFULLY Notice of Default served under section 87(1) of the consumer credit act 1974 Youve broken your agreement ........ You must pay the amount overdue shown above. This payment must reach your account within 28 days of this letter. If youve already paid this or have made a payment agreement with - thank you. Please ignore this letter. Then it lists what they will do if I dont do the above ie shut account, chase debt. What I want to know is, I spoke to them monday and paid 70% of the above and agreed to pay the remainder of the arrears by friday. He did mention that a letter had been sent out but told me if I paid this it would be canceled. What I want to know is will they stick to there word?. Is this an actual default notice as I dont remember recieving a warning? Should I ring up and pay it today and argue that I didnt recieve the letter till friday or something because of the snow(foot deep here today). When he says canceled does that mean its already been put on my file and they will just change to satisfied or will it actually be removed or not even be added?. Will they have recordings of the call where he promised it would be removed on payment of the arrears and could I request that if need be?. Sorry to waffle, I know I have been a bit slack with payments but have my reasons and despite my current position, being 29 I could do without any nasty marks on my credit file and the letter seems a bit confusing, maybe deliberate to get me to pay I dont know? Thanks for your time, any advice would be much apprecieted.
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In March 2015 Lowells got a CCJ against me on an old credit card debt . .. my last payment was in October 2010 . ... which was when I lost my job and my finances went in to 'melt down'. I had received a number of letters from EquiDebt and Red Castle in 2012 and 2013 chasing this debt. We left that address in May 2014 and had mail forwading set up to October 2014. I never knew this claim was happening as all the paperwork must have been sent to my old address and even though we had 'mail forwarding' set up for six months after we left (in each of our surnames), I assume this must have been sent after the mail forwarding had finished. Would it not have been returned to them as 'undelivered', so why did they continue sending to an address I obviously did not live at?? I'm not sure its relevant but I am not a house owner, it was my partners property. I only found out about the CCJ when next door neighbours emailed my partner before Xmas and along with all the local gossip they mentioned that the new owners of the house we left had told them they were annoyed to have bailiffs knocking at their door a .... asking for me!! I sent away for my credit file in December last year and there was the CCJ! I didn't think there was much I could do at that point so just 'cursed' and did nothing, hoping bailiffs wouldn't come knocking at our new address. Yesterday I received a letter from Lowells at my current address (I'm on electoral register / not trying to hide) saying "We have recently confirmed you live at the above address" ... "unless I pay this debt they will proceed to legal recovery" ... it's gives details of the same credit card debt for which they already have a CCJ. Why are they starting again ... they already have a CCJ? They sent bailiffs to my old address, why don't they just send bailiffs to my currect address. A couple of questions:- 1. Can I try for a set a side as I had no knowledge of the first CCJ. 2. Why are they going for a new claim when CCJ (only 1 year old) already exists? I don't own any property . .. have no assets apart from a 12 year old car worth about £1,500 Currently 'between jobs' so no regular income although I do a bit of sales 'interim' work on an ad-hoc basis that generates some irregular income. I do know how to defend a claim (acknowledge, make them prove documentation exists, etc) so if they proceed to a Claim ... I'm ready and waiting. Any advice welcome. -
Hi guys really panicking here, they're are chasing me for a vodafone account from over 6 years ago. I got in a lot of debt when i was younger but paid it all off except for debts i didn't believe i owed. this being one of them, at the time i was with vodafone i just wasnt getting what i was paying for, calls kept disconnecting, messages not going through. complained multiple times to vodafone with no action. eventually i cancelled my direct debit and explained to them why. years went by till lowells got hold of it. Ive been communicating with them normally explained why i don't think i owe this debt (its for £994 by the way which is ridiculous) and they said they'd look into it. i emailed them back the other day and they were wanting more personal details from me than i was prepared to give to a company i don't know. i said I've got their letter and ref number and i wanted to make sure I owe the money and I'm not giving out all my personal details, i wanted a copy of the original signed contract and they're claiming i made a payment to the account 5 years ago (which I have no record of) so i asked them for proof of this. next thing i get the count court claim form through the door? really not sure what to do and panicking a bit as all the work to paying off my debts will be for nothing if they successfully get this against me, what can i do? I hope I've written the format right below this is my first time on these forums, I've already been on the MCOL site and acknowledged the claim thanks in advance, Steve Issue date - 16th march amount - £994 claimant - lowells solicitors original creditor - vodafone
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This weekend I got the attached letter from Lowells a Welcome Finance debt I have. Took out the original loan I think in 2010 then had problems paying and eventually went back to their offices and signed a new agreement which I subsequently defaulted on. I think the original loan was for around £1500 the debt now stands at £2900. I don't want to wait for court papers to come through my door, what can I do? wlcm1.pdf -
Hi all My parents received in one letter a few days ago 'Payment Due' and 'Annual Statement' documents from Lowells requesting an £11k payment for a defaulted Barclaycard, dated October 2011. I am very rarely in the UK hence the only semi-registered UK address for me the family home (I'm a British citizen). In mid-2010 I had my wallet stolen in Poland (I lived in Warsaw for 2 years) and three credit cards maxed within 24 hours without my knowledge. This was investigated by the Polish police and didn't go any further than an uninterested policeman. Through a solicitor in Poland, all banks were contacted, and I was informed that all cases were closed. I didn't think anything of it and never requested additional cards as by that time, I had expatriate accounts set up that became my everyday banking options. The same solicitor also paid an outstanding loan to First Direct on my behalf (this was also one of the stolen credit cards) to close all of my UK accounts (circa £15k). Following this letter, I've now only just checked my UK credit report (I've never had any need to before), and notice that all accounts remain open and are in default. They will stop being reported at the end of this year (with Lowells/Barclaycard in early 2017), which I assume means that they will become statute barred. I've requested Lowells to send to me all information that they have and refused to acknowledge any debt in my name. I do however now fear that the Polish solicitor I engaged with didn't contact anyone, and did not pay off the loan. I remember receiving a remittance slip from him at the time, and due to my time-demanding occupation (foolishly) didn't double-check / confirm. It seems like I have been caught up in an elaborate [problem], and cannot find any detail of the chap on any of the networking sites. I'm expectant that Lowells will investigate, but a little concerned that I could be dragged into a number of stressful conversations. I see the following as my options: 1. Contact all creditors, inform of situation and look to work toward resolution (however reputation of these guys doesnt fill me with confidence) 2. Sit tight as they are all close to statue barred (surely a risk as being contacted means that I'm on the radar?) 3. Report to Polish police / interpol (although I wouldnt expect much progression) Any advice welcome!
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Absolutely fuming Just checked my credit report and at the bottom there are three searches by Lowells debt company. The thing is it is not for me!!!! It is for my brother. I have never had any financial/credit or otherwise connection with him yet they are searching my credit report for his debts!!!! It's bad enough when the debts are or you but looking at someone else's goes beyond the line. The only connection we have (which has hung by a thread for many years) is that he is my brother and he has put my parent's address down where I live. I thought they couldn't just search people who either live in the same house or who are related without there being some form of credit/debt jointly. Am I right? Also don't they have to have my permission, and if they do what do they have to show the credit agency. I smell a rat
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Long story short i had an old Halifax CC opened in 2006. The CC is in my name, but the debt was not run up by me, but.....by my old man who then refused to pay it, but i think thats by the by. And no, he's won't cough up to pay it. I received 2 letters before xmas, one from Halifax saying the debt had been sold to Lowells in 2014! And the other from Lowell saying they'd bought the debt back in 2014. Now, its not SB as the last payment, of a pound! was made in 2011. Second letter was a nicely nicely letter than i got yesterday telling me i won't have to pay what i can't afford. We struggle to pay our own bills, let alone anything extra. For now, i think my best bet is to ignore the letters? Or do i start the "3 letter process"? Many thanks
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hi, i'm currently on benefits received a notice of warrant of control and notice of enforcement for an unpaid ccj that I was unaware of. bw legal are demanding £200 per fortnight on a £1480 debt! is this fair ? what can i do? the debt is a shop direct account from 2011. any advice welcomed -
Hi all, been receiving letters from Lowells chasing an old vodafone debt. I believe the "Said" amount owed is not the actual amount owed. I have so far been ignoring their letters as they are a bunch of shysters and have received a " Pre-legal Asessment letter offering a 40% reduction or a threat to be taken to county court. I don't even know if: A. The account is statue barred B. The amount showing is correct C. The debt is even mine. Any help would be great-fully received. Thanks
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Hi, hope someone can help, in 2009 I got into difficulty with cap one and I sent CCA request didn't get it just t & c since then other companies have tried to get money I just so no CCA they've gone away. Got a letter from Lowell's saying they've taken over the debt and to pay in full!! Have noticed they've checked my credit report a couple ofweeks ago and today lowells have defaulted us from today, so does that mean the clocks ticking again now? Because cap one Have gone off the credit report. We've ignored Lowell's so where do we go from here. Any help is much appreciated. Tia.
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i have received a letter through the door indicating i am about to be issued with a stat demand on behalf of a company called P&A receivables plc. it reads 'i have been directed to serve you with a statutory demand issued under the insolvency act 1986 on behalf of the creditor. unfortunately on the letter it does not give any further details. all they say is they will be returning on a date and a time to either issue the demand or post it through the letter box!!! what should i do??? -
Name of the Claimant ? Lowell Portfolio LTD Date of issue – 19/05/15 What is the claim for – The Claimants Claim is for the sum of £400 being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and Capital One under account reference XXXXXXXXXXXXXXXX and assigned to the claimant on xx/07/2014 notice of which has been given to the defendant. The defendant failed to maintain contractual repayment under the terms of the agreement and a default notice has been served which has not been complied with. and the claimant claims £400 The Claimant Also claims statutory interest pursuant to S69 of the county act 1984 at a rate of 8% per annum from the date of assingment of the agreement to date, but limited to a maximum of one year and a maximum of 1000 amounting to 25.00 What is the value of the claim? £510 (400 + 25 interest +35 court fee + 50 Solicitors cost) 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? Before 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? Not to the best of my recollection Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Husband became unemployed What was the date of your last payment? unknown, quite possibly over 6 years 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? yes, they weren't interested -
I recently wrote to Lowells sending a CCA request following notification that they had purchased several catalogue debts from 'Shop Direct' which I had to stop paying a few months ago. The debts to each catalogue are of varying amounts from about £1500 to about £3,000 from memory. They have responded today saying that they have requested a copy of the original agreement but had sent me a letter of assignment which they claim fulfils their legal obligations. I would like to ask whether they are legally obliged to send me the original credit agreement and what further action they can take .I own my own home.
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Hi, firstly thanks for reading my post. The reason for urgency is that today I received a letter giving me 7 days to reply. It is dated 1st May, today is the 8th! Lowells/ BW Legal originally tried to get money from me and I sent them the official template letter saying 'prove it'. They ran out of time. They have now started something different saying 'Notice of allocation to the Small Claims Track'. I am required by the court to complete Directions Questionnaire regarding settlement/Mediation. They have included in their letter a copy of my alleged Littlewoods account statement. And a credit agreement that is UNSIGNED!!! They STILL have not proved that I owe this debt. (The questionnaire also asks if I believe the small claims track is the appropriate track, if that is of any help) I need to email today. (its too late to post to court). If it helps here is some further information: -I last submitted my online defence on 3rd March 2015. They did not comply. No signed copy of agreement, no proof of debt being sold etc -There was no further contact between us until 8th April. -They are attempting to mediate. I don't know whether I should to the hearing or mediation or reject the small claims track attempt. I don't know what to put on the form Please help me! Thank you -
I have been putting a lot of creditors off for over a year now but the defaults are really starting to hurt. I want to take on Barclays first as they sent a copy of a T&C booklet as their s78 response (as I know they do quite a lot). I also asked them under pre-litigation discovery and data protection laws to provide me with a full and exact copy of a signed agreement and they haven't bothered. I want to issue against them and had a quick look around the site to see if there are any template POCs I could use as I seen a good one around somewhere but cannot find it now. I need help with the particulars of claim. Thanks. -
Hi all, I'm getting a bit lost with the huge wall of information available on the site, and I was hoping someone could point me in the right direction to help me straighten things out. I've had several thousands taken from me in bank charges in the last 7 years (I know you can only claim for the last 6, found that much already!) mostly because the charges themselves have dropped me into an unauthorised overdraft so I've been charged on them too. For the last 3 years I've been on benefits and the charges have kept coming in. I'm not at the point where Lloyds TSBs new charges system is REALLY going to sting me. I was making payments on the overdraft of 10 pound a month and was a few days late paying one month. They put a 15 pound unauthorised overdraft fee on for that, then a further daily charge (I forget how much without checking the paperwork) to go with it. Because those charges were taken there's no way I can bring my account back into the "authorised" overdraft without starving my family! Given the current situations with claims being put on hold while the test case goes through, what options do I have open to me? I'm getting calls from Lloyds TSB now threatening to pass the account off to debt collectors when it wouldn't have been a debt if it wasn't for the stupid new charging system! It's at the point where they'll charge 215 pound a month (15 pound unauthorised overdraft and 10 daily charges of 20 pound)! Thanks for any advice or "direction pointing" anyone can offer, Steve
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Hi I was wondering if anyone can help me at all; I have received a letter from Lowells Portfolio demanding that I owe them £1268.53. But I DO NOT agree with them at all!! To explain what happened, there was unsufficient funds for a Direct Debit to go out (literally making me go £2.00 overdrawn). I then received a letter demanding that I now owe them £60...which is just unreasonable. A couple of months later, I received a letter demanding £400...so I decided to call Lloyds bank and got through to an call centre in India who confirmed that I am being charged bank charges everyday for the failed Direct Debit. I tried to offer them a settlement of £50, but they would not reason. I even went to see my local branch who confirmed I am being charged bank charges daily and I need to speak to their debt team (which was the team based in India, that I had previously spoke to). I'm just wondering what the best route to take with this is because I understand I need to submit a sars request to Lloyds? But I'm really concerned by Lowells as I have dealt with them in the past and I know they will just issue proceedings. Any help would be much appreciate....I physically feel sick thinking about the battle I have got ahead of me
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Hi everyone,first time poster here. I have a alleged outstanding debt from orange that Lowells are chasing me for, I am at the point where I have just sent in my A O S, i do intend to dispute the claim. My question is this; I am about to send off a SAR to EE and a CPR 31.14 to Bryan Carter,but, do I need to pay them for these requests, i think I read it on here somewhere, but can't find it at the moment any help will be greatly appreciated, many thanks in advance.
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Hi I have been chased for a while for a debt for 2 barclaycard debts. A few days ago a chap knocked on my door and handed me a statutory demand. I have sent off a CCA request by recorded delivery and am awaiting a response. Would it be advisable to apply for it to be set aside if the CCA request is not received by the time the demands 18th day has passed? BW Legal has assured me it wont go any further until the CCA request has been processed, I do not have this in writing but have been told it on the phone. I have tried to read up as much as I can but there is so much info on the site im now confused ! Thanks in advance. Derek -
Hello all, me again Vanquis passed my account over to lowells some time ago and as is the norm received shedloads of phonecalls etc from them over the last few months. I sent lowells a cca request I think it was the 23 July. I received a letter from lowells saying dated the 13 August 2012 saying they have asked the original lender for a copy of the cca and they will do their best to send the info within 12 working days. I recieved another letter from lowells on the 28th August 2012 saying they have still not received the cca from vanquis and that they are still trying to retrieve it from their archives. I checked the post date on the envelope on the second letter and there isnt one. The cca request i sent them is on my work pc so cant be accurate with my "sent date" My question is how long do I give them before I send them a this account is in dispute letter please? Many thanks Pete
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