just wondering had one of their letters last week and phone calls started tonight. had letter last week with a letter from 3 mobile saying they have sold a debt for a mobile bill. all my mobile bills was paid and it was in 2007 when they changed the network and my service became none usable. they agread to terminate a fairly new contract and not hold me for the reminder contract so was billed and all paid up. i get a bill from lowell saying i owe £54.40 and was going to ask them to prove it until i got my phonecall of them tonight. womman would not refer it as in dispute and wanted me to prove on the phone that they where wrong etc. i said its in dispute and if anything stat barred wich she replied no it aint and their pursuing. they recon three mobile did not have my address well thats untrue they also had my phone numbe r and was never billed or even sent anything i have a new dongle contract with them thats not working due to bad signal and that will be took up on over the next week or so. in the letter from lowell they said they brought the debt in 04/03/2011 so does that restart the clock on the stat barred.

Hi this is for an old Shoe Tailor account from Dec 2004. I've checked my credit record and it's showing Lowells default date 4 January 2012. I have had no letter of intent from the Solicitors? I have made payments to this debt so pretty sure it is not statute barred. It has been to lots of different DCAs. I have now entered into a Debt Management Plan and Lowell have more than one account with me and do know this. I had passed accounts to Stepchange, which i informed all creditors of. Having checked my email I only put reference for the other account i have with them in the email i sent them notifying them of my move to Stepchange. I believe I last paid this account on the 23rd December 2014. The particulars of the claim are: The claim is for 3352.20 the amount due under an agreement between the original creditor and the defendant to provide finance and/or services and/or goods. The debt was assigned to/purchased by Lowell Portfolio Ltd on 20/12/2012 and notice served pursuant to the law of property act 1925. re: JD Williams account. What do I do now? As its a catalogue I'm guessing they wont have nor need a signed agreement? Also I can only see 12 months of my record on my credit file but believe this debt has become more than double the original value i had with Williams originally as although i was making payments they charged me more than my payments.

Hi guys lowells at it again this is a seperate account , i had a current account with lloyds tsb they charged me £5 a month for this can't remember why now. and they also charged me for not having sufficient funds in for a direct debit , foolishly i just left the account ignored all letters and it defaulted in 2009 lowells have picked it up and they are requesting payments of £578 all of which will be made up of bank charges , do i just ignore this too r ask what the charges are

Hi everyone. Just writing in the hope that I could maybe get some advice. A few years back I had an account with JD WILLIAMS for a catalogue. Made some purchases from it, was making repayments as normal etc. They even sold me some sort of PPI now that I think of it. Thing is, I lost my job, split up with the ex wife and now, fast forward a couple of years ahead I have had lowell chasing me for the debt, which now, thanks to me being stupid and hiding from it has ended up rocketing to a total of over £4000!!! I know for sure that the majority of this balance is made up of charges and late fees etc. today i received a court summons through my door which was issued on the 10th of february. I know i have only 14 days in which to acknowledge the claim, im not too sure what to do now, as i would like to try and claim back the PPI on the account a nd try and get back as much charges as possible so that I can get the balance back to as close to what it was (approx £1000) and then start repaying the debt. I know full well i should have made more of an effort to do this beforehand but now i just want to fix this mess as best as i can. Could anyone please point me towards the right direction? thanks in advance

Hi, I could really do with some advice here please... Some years ago before we met my wife had a Lloyds Bank account and a Credit Card, the first was overdrawn and the second had an outstanding balance. Both were open / taken out way before 2007 and due to personal circumstances at the time she had to pretty much start a new life. ..We think that the account and card stopped being used around 2007; however neither was ever formally closed and they were left in a state of monies outstanding. Some years ago we started to receive letters from different DCAs and each time I sent the standard response requesting the signed CCA etc. The way I figured an overdraft is an informal 'loan' and as such that and the credit card both require a signed CCA? we have never received a response to any requests and each time a new DCA got involved. Recently a company called Lowells have been sending letters in; initially we ignored them (foolish I know); however they started to threaten legal action i once again sent the standard request for the CCA and sent the £1 PO. This was on 25th November 2013 and to this day no response has been received. It was all sent recorded and I have proof of delivery. Again the lack of response suggested this had gone away but low and behold we get a letter from Bryan Carter expecting us to receive a Court Claim Form within 48 hours and true to their word it landed on the mat today. I have done some reading on this site and most cases seem to be around outstanding Catalogue balances and in some cases only part of the money was being claimed, in this case all of the debt is being claimed by BC. Please can someone advise what my next move should be; we still have no response to the CCA from Lowells and although we cant prove it we believe this debt is over 6 years old I wondered if the Statute Barred comes into effect here? I opened an Experian account for my wife today and there is no reference to this on her credit file at all as a default account? I am guessing that I should send a CPR 31.14 Request to BC and also acknowledge the Claim with the courts and contest it? I have read so much on here today that my head is spinning so any assistance would be very gratefully received. Many Thanks, Mat

I guys need some help been sent a claim form from Northhampton CC on behalf of Lowells Portfolio Ltd and Bryan Carters Solicitors regarding a debt we have no knowledge of, seems a bit cliché but we actually do not know how we have this debt. Out of the blue we had a letter two days ago regarding their intentions and then voilà the claim for arrived. I have dealt with debt agencies before but never has the happened so fast, I really need some help and advice on how to deal with this, Thanks

ive just recevied a claim form from lowells for an old debt that is showing as default in 2009 ive got no means to pay the amount requested as im already struggling to pay my bills and am three months behind with my mortgage please help where do i start?

I received this letter today from Lowell exactly 1 day after another letter was received. Claim Form Claimant: LOWELL PORTFOLIO I LTD RE: LOWELL FINANCIAL LIMITED REGISTERED OFFICE ENTERPRISE HOUSE 1 APEX VIEW LEEDS LS11 9BH Address for sending documents and payments (if different) BRYAN CARTER SOLICITORS LLP 11 DE HAVILLAND DRIVE WEYBRIDGE SURREY KT13 0YP Particulars of Claim: THIS CLAIM IS FOR 577.00 THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS. THIS DEBT WAS ASSIGNED TO / PURCHASED BY Lowell Portfolio I LTD ON 23/11/2011 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925 PARTICULARS Re: O2 (UK) LTD A/C No 1234567890 AND THE CLAIMANT CLAIMS 577.00 THE CLAIMANT ALSO CLAIMS INTEREST PERSUANT TO S69 COUNTY COURT ACT 1984 FROM 23/12/2011 TO DATE AT 8% PER ANNUM AMOUNTING TO 97.91 AMOUNT CLAIMED 674.91 COURTS FEE 55.00 SOLICITORS COST 70.00 TOTAL AMOUNT 799.91 ----------------------------------------------------------------------------------------------------------------------------------------------------- Prior to this we have been sent letters from Red, Hamptons Legal, Moorecroft, etc As we are both on ESA due to my disability we are not entirely sure what this means and how a county court judgement would even have an effect on a couple who are already living below their means. Please advice on the next course of action. We have tried contacting Moorecroft and Hamptons about proof of the debt but rather foolishly we didn't send these via registered/recorded mail so there was no proof it was even received.

Hi, I had this form through a few weeks ago. (21st of Jan is date) Its a blue court form which I assumed was just another debt collecter spam mail thing. I've now found out differently and having looked up various threads here thought it best to ask what to do. Firstly I've never had a 3 Mobile Phone, Hubby has but this form is in my name so its likely the debt is incorrectly assigned or just wrong. Im going to defend via moneyclaim, do I go with the CPR letter requesting documents and put defense as awaiting documents as I have no recollection of this debt? Wording on the form is as follows:- I'm being a little vague to prevent them from Id ing me. This claim is for £300ish the amount due under an agreement between orig creditor and defendant to provide finance/services or goods This debt was assigned/ purchased by lowel on XX/XX/2011 and notice severed pursuant toproperty act 1925 Particulars Three mobile Account number : XXXXXXXXXXXX Claimant claims £300ish Claimant also claims interest pursuant to s69 county court act 1984 from XX/XX2011 to date at 8% per annum amounting to £50ish ************************** I know I only have days to submit defense what do I do?

I purchased an Orange 1 month rolling contract chip which was £25 per month and included unlimited calls, texts and internet which I thought was ideal as my son likes talking too much. Anyway he decides to call a premium rate number to some chat line thinking it is free and guess what the bill was raised to £100 in call charges without me being informed or a call to say the account has been suspended because of this, I could not even talk to anyone as there was only a mobile customer services which I refused to use. Eventually I contacted them and told them to cancel the contract gave one months notice and did not use the phone until it was suspended. I then get a £200 bill not stating any breakdown of how this has occurred and saying your account has now been suspended. I was shocked obviously I would have to pay for what has been used but not 200 any advice on this would be very much appreciated. Mashmallow:mad2:

Dear all, hope I'm in the correct place for this post? Several years ago I had a barclay card and was made redundant. At the time I couldnt meet the minimum payments for this and an argos card. I called Barclay card and explained the situation and asked them to freeze interest etc till I got back to work. They refused and wouldnt accept any other payment. to cut a long story short it got passed to Mercers who told me to borrow from a family member. After loads of calls from them at all times of the day, I wrote to them to advise that I couldnt pay what they were asking and that if they wished to pursue they would have to take me to court where we could arrange a suitable replayment plan. Heard nothing back until a letter arrived to say they had sold the debt to 1st credit who then started to harrass me. Sent them a copy of the letter I sent to Mercers and advised them I would not be answering any more of their letters etc. Had a few chasing letters then nothing more. This debt has been sold on more times than I can remember but all of a sudden out of the blue 2 years later Lowells start writing every other day. From what I can remember I last made a payment to Barclaycard either at the end of 2007 / early 2008. They defaulted me June 2009. Lowells have tried every card they have at trying to scare me into paying. I have ignored every letter and they have sent letters from Red and their legal department Hamptons. I have lost count of the times they may take me to court etc. I received a letter recently from Hamptons to say at this time they have decided not to take me to my local court but will pass the debt to a debt collector who will personally visit me. I'm not scared of a visit as I will be keeping a bucket of water by the door. do you think that Hamptons realise they are going to find it difficult to get this money. They have offered me a 50% reduction as well. I'm aware of statue barred, but is this 6 years from last payment or 6 years from default. Seems strange they admit they are not going to take me to court, although by now they have probably found out I do not own my own home and I'm a stay at home mum supported by my partner. Incidently had Mercer accepted my initial offer as Argos did most of this debt would have been paid back by now. I cleared the argos debt 2 months ago.

Hi all, hope I'm posting in the correct place? I need some help about an old debt with Barclays. I had just bee made redundant and explained this to Barclays at the time and asked the m not to put any more charges on my account as it was crippling me financially. They continued to add charges on to the tune of £530. Anyway I changed bank accounts and got myself sorted out again. I got a few letters demanding money from Barclays, but wrote back saying that I wasnt going to pay their unlawful charges and if they wanted their money they were going to have to take me to court. I heard nothing more untill.................................................... Several years later I had a letter from lowells demanding this money. I was getting several calls a day from them and despite blocking their calls they would use another number. Finally managed to get hold of them and gave them an ear bashing as I work nights and calls every 20 minutes in the day was continously waking me up. They have finally stopped calling thank god. However on checking my credit record today, which is 960, I have noticed that Lowells have added a default on this debt. Barclays had defaulted it on 25/06/2008 but now Lowells have put on a default on the same debt for 03/12/13. I dothey dont really understand about defaults but had thought that they drop of your file after 6 years. But surely if Lowells keep adding defaults this will stay on my file forever. Sorry for being long winded but can Lowells keep adding defaults?

hi there I'm very relieved to find this website as now I don't feel alone My elderly parents have for the past 2 months been harassed by a company called LOWELLS phone calls - usually one at least per day, and letters - one per week they claim that my brother owes £12,000 in debt - but my brother does NOT, he doesn't have any loan etc and he left home over 7 years ago so why are they sending these letters and calling my parents? how do we get this to stop my poor father is dreadfully upset and he wants to know why this debt is at his address, etc he tells them time and time again my brother does not live there but they ignore him the letters are getting more threatening and I'm very worried my brother is abroad so I'm trying to help any advice please

Someone has just personally delivered a Statutory Notice from a law firm acting for Lowell Portfolio, so I know I have 18 days from today. Not sure when that takes me to - is it working days or calendar days? The form states the original creditor is Equidebt who I am fairly sure I have never taken out any credit cards or loans with. So I think they bought the debt themselves. I don't recognise the actual amount stated (I have an old Experian report from June 2009) so I'm guessing there may be charges added on. The default date stated is 13 October 2008 and I don't recognise that either. I see from other cases that I should submit a form requesting details of the debt and copies of anything I might have signed. I presume I send that to the law firm, to Lowell and to Equidebt? I have addresses for the law firm and Lowell, but not for Equidebt although the paperwork does give and "original account number" from them. Do I contact anyone and say anything else in the meantime? I think I'm going to need step-by-step guidance here! Anyone up for it? I've looked round the site and read as much as I can. Sad to see this is a common problem and embarrassed to post this as a new thread but done so as everyone's case is slightly different and it's no good me following good advice for someone else if it is not relevant to me! Hope I've posted this in the right place.

Hi, I took out a mobile phone contract in March 2007 with O2. They sent me the wrong handset - so I ordered a new phone online with new contract as this would arrive before a replacement handset. I sent the wrong handset back and told them I no longer wanted that particular contract with them, which is fine as they give you a 'grace period' where you can decide to cancel everything. I then continued to use the one phone I had, and the one contract I THOUGHT I had. In Summer 2007, while I was away, debt collectors began harassing my parents and threatening bailiff action. They called pretty much daily, sending my mother into complete worry. They refused to tell my parents what the debt was for and would only speak to me. I was working abroad and returned towards the end of August 2007. I experienced first hand the calls and threats daily. This was when I found out it was for O2. I said I did not owe O2 anything and that I paid my bills monthly etc. The debt collector on the other line scorned me completely, mocking me saying 'that is what they all say'!! I was not happy, and called O2 immediately. It materialized that O2 had NOT cancelled the contract that I had returned back in March 2007 and had been billing me continuously since then without my knowledge. I obviously had not been paying this, but had no bills or letters to say that I should have been. I described the situation, and O2 said they would ask the debt collectors to stop calling. They did not. There was a yo yo of calls back and forth: debt collectors - me, me- O2. The debt collectors would not stop until one day I spoke to someone at O2 and told them I was going to cancel the contract that I had been paying correctly all along because I wanted nothing more to do with O2 after such a terrible experience, and take legal action on them for harassment and bullying. The date of my last payment to them was 27th August 2007. I wrote to them, as well as calling explaining my decision, which was acknowledged and nothing more was said or heard from debt collectors or O2 again.. ..until NOW! A letter dated 31st July, from Lowells, arrived at my parents house, which I then received in October 2013, and proceeded to call them in October as soon as I read it to get them to explain this debt I apparently owed them. They are requesting more than £600 from a debt with O2. I explained that this was sorted out in 2007 and was a resolved issue. I explained the situation again with the best of my ability after nearly 7 years has passed and they contacted O2 to investigate. O2 are claiming that I never returned the handset, which I got proof of postage of at the time, but I am talking about something that happened nearly 7 years ago so now I have no idea where that little slip of paper is! I do not think I can prove I returned it, although O2 had plenty of opportunity to tell me about this handset when I was speaking to them every day over August 2007. They never mentioned this once. All they ever did was agree with me not owing them anything! Lowells are now telling me that I have no option than to pay what I owe unless I can prove I returned this handset back in March 2007. I really need advice on this issue. I am being bullied by a massive corporation (O2) and their heavy weights (Lowells). Please help.

Hi guys, Lowell recently agreed a full and final settlement on an old mobile account, however they will not send a F&F letter only a "confirmation" after payment has been received. Not only that but in order to get the confirmation they want debit card details. I explained I will not hand over debit card details until I have the F&F letter, the operator banged about the confirmation - we went round in circles. At the end of the call (Yeah I know bad start Jack) the operator told me as there is no arrangement in place on the system they are unable to stop calls, text messages and threat o grams. Any advice on how I proceed will be much appreciated.

Hello could you check this please if this is for real?!

Afternoon all some help needed. I took a loan out in approximately 2000 I was injured at work and could not afford to pay my amount so after a while restons became involved and when I was back in work sent an attachment of earnings and I was paying about 100 a month direct from wages, I was then made redundant and did not hear anymore this was about 4 years ago. Today I recived a letter from HSBC saying they had sold my debt to lowells. How do I go from here I don't know what to do any help would be most helpful.

A few days ago I received a letter from Lowells and T-Mobile saying that ownership of this debt has been sold to Lowells. The history: Had an account with T-Mobile many years ago. When I was working abroad I asked for roaming to be added and if the minutes I used would come out of my monthly allowance or would I have to pay. They said monthly allowance so I used the phone as if I would have in the UK. When I got my next bill I was a little shocked I spoke to them and they said that the T+Cs of my contract (which was initiated online through another company that sells mobile phones and contracts) stands and that I was liable for the full amount. I did not have enough to pay and I disagreed with their stance and thus we have been in a stand-off ever since. Lowells have been chasing me ever since and they have had an entry on my credit file since the default on 10/06/2008. About 12 months ago I did ask for an SAR on all the documentation purporting to the account which they provided although they said that there is no physically signed contract as it was initiated and the act of switching on the phone demonstrates my agreement with the Ts and Cs of the contract. What is wierd is that I did speak to them about 6 months ago and offer what I thought I owed (about £150) in full and final payment with the debt being satisfied in full. They initially agreed, then tried to say that they would partially satisfy the debt to which I replied that I was not content and that I would not budge from my offer. Things have been quiet since then until I recieved this today. Throughout this process they kept referring back to T-Mobile, but this letter states that the debt was sold in 2010. Although I have blanked the address block out, the QR code and the line code on both letters are exactly the same, which would suggest that they have been printed off the same computer system even though one is from T-Mobile and the other from Lowells.....wierd. Questions: - I note that the debt was sold in 2010 but I am only getting this letter now. Does that mean I am likely to see Lowells taking this further? - Or is this more sabre rattling? - Could Lowells be sending me letters purporting to be from T-Mobile? Is this illegal? It seems so if it is the case. I fully intend on letting this reach the 6 year point after which I will have it expunged from my credit record but as I am in the process of buying a house I do not want this to come and bite me on the bottom.

Despite winning the set aside last year in the high court http://www.consumeractiongroup.co.uk/forum/showthread.php?367618-lowells-statutory-demand-**SUCCESSFULLY-SET-ASIDE-PLUS-COSTS-**-CHEQUE-RECEIVED-NOW-** it appears it has looped back to lowell portfolio ltd asking for payment or it will be passed onto lowell financial ltd ! they admitted in court that they were unable to produce any paperwork, didnt respond to cca request etc. i complained to oft etc. how is it best to deal with this guys, thanks

My stepson left home about 18 months ago. Since that time I have had numerous problems with various companies within the Lowell Group. I have sent all the standard letters out (many thanks to CAG) about telephone calls,doorstep callers etc. I have informed them on at least six occasions that my stepson does not live here. In July of this year I sent a very stiff letter to Ms De Tute about their failure to stop their harassment. The debt was nothing to do with me. I received no reply but the telephone calls stopped. This morning I received a call on what looks like a mobile phone number from Lowells. Basically I cannot print what I replied but one of the words was off! I have kept a record of phone calls letters etc and having Spoke to the I.C.O this morning I will be making a formal complaint. I also spoke to the Financial ombudsman who kept asking me for account/reference numbers which I could not supply. I have also tried to contact the OFT Is there any further action I could take because at the present time i feel I am going around in cycles.

Hey all, my mother just received a letter from the Lowells group. It is requesting payment of a debt apparently owed to 02(UK). My mother has no recollection of this and it dates back to Aug 2007. Lowells say they have been sold the account by 02(UK) As my mother lives in Scotland,will this debt,if indeed hers, be statute barred? I believe in Scotland it is 5 years but I am unsure. I have looked in the forum here for a statute barred template but can't seem to find one, any help appreciated,thnx

Hello Crikey I need help with this one. Lowells filed for bankrupcty petition on LLoydsTSB bank account. Last I heard from LloydsTSB was in 2009 until Oct 5th when I was served this notice. I am not sure what to do now and would really appreciated some help with this. The date on the letter I recieved is Sept 20th 2013 and I was served 5th October. I have received no assignemnt of from Lloyds and its an overdraft which they increased without my consent whether verbal or otherwise. Please help me

I have relatively no experience with dealing with these type of affairs so i would like to humbly ask those with more experience to check if I'm doing this correctly. I received a Statutory demand from BW legal, which was served personally by a woman who came to my door, explaining that she didnt know what was in the envelope that she gave me. It turned out to be a statutory demand. Following the advice on this forum, i went to my local court yesterday and submitted an application to have the demand set aside. I am now waiting for the court to contact me. In 2012, i submitted a CCA letter and a £1 to Westcot Credit services asking for all the documentation, they replied stating that the £1 be made payable to the creditor HBOS. I subsequently replied with another £1 made payable to HBOS. No reply was received so i sent a reminder. 2 months later i wrote again by recorded and sign for mail, this time stating a CCA non compliance letter. I heard nothing after that. This year in June 2013 it appears that Lowells Portfolio 1 and BW legal (who i think are the same company) have purchased the alleged debt from HBOS, which i believe is not allowed as the debt was in dispute? I have applied to the court to set aside the statutory demand and given copies of all the correspondence given to the original creditor HBOS and their DCA Westcot. Have i done everything right and is there anything else that i need to do? My apologies for coming across as a noob, but the truth is I am

Hi everyone, I'm looking for some urgent guidance if anyone is able, I had a Statutory Demand delivered at around 7pm tonight by a man in a flannel tracksuit. When I asked who he was he said he had been asked to hand deliver a Statutory Demand on behalf of BW Legal. He said that he was a 'courier' though I pointed out he had no ID or uniform (he was basically a bloke off the street by the look of him). Not knowing what the envelope was i refused to take it. He then said that BWlegal told him if i couldn't/wouldn't take the envelope he should still just leave it on the floor inside the door, which he quickly did before i could close the door. To my mind this is not 'hand delivered' so in no way properly served but please correct me if I'm wrong. The envelope just had my name and 'private' scribbled on it, otherwise just a white envelope, no other markings at all, very nondescript. Inside were 6 pages all stapled together in one document which included: - 2 page letter dated 24th September 2013 10 days ago (outlining the SD and threatening a bankruptcy petition) - 4 page SD The SD is for a 2003 Lloyds credit Card Account that has been in dispute since April 2009. I sent in my CCA at the time, got no signed agreement back so sent an in dispute letter. Then a month later I received a 'we've found it now' letter with a copy of the signed agreement with a page of partial terms which did not include all the clauses referred to in the agreement. That being the case i left it thinking still in dispute and never SAR'd Lloyds. Thereafter Lloyds chased repeatedly over the last 3 years, engaged DCAs to chase and eventually sold the debt to Lowell in July this year. Since then I had 3 chase up letters from Lowell then this. I will scan and post the docs but can anyone help me with some burning questions: - I have 7-8 days left of the 18 I'm supposed to have and tomorrow is Friday, what is the first thing I should do immediately?? - not truly hand delivered = not legal service of documents?? - deliberate 10 day delay in delivery something I can use against them? - What is the prescribed format for a statutory demand? - Any usual arguments to set aside SDs? - Signed agreement with unrelated/incomplete terms = defence? - Can I change the 'Appropriate Court for Setting Aside Demand' if it is not my most local court? - Should I send any CCAs or SARs to Lloyds/Lowell/BWLegal? :?: Thanks everyone I hope you can help. Cheers, GF2k