hi i was served with the stat demand on 4/1/2013 by way of a hand written envelope pushed thru letterbox (no postmark) i have sent cca letter by recorded delivery this is a littlewoods account i havent paid or acknowledged since 2008 the amount claimed is 6,225 quid (balance no where near this amount) i have been advised to apply to the court to get it set aside i have already typed up an sar letter to send to shop direct any other suggestions as to what i can do. if it sounds as tho i know wot im doing all the help and info i have already has been advice from this site thanks to everyone

Hi Everyone, I am new to this site and need some advice.... I have been receiving letters from Red relating to a 3mobile debt that I'm pretty sure is statute barred. I have checked both Experian and Equifax and there is no default recorded on either. Today I received a letter from Hamptons threatening court action. What should I do? I have attached a copy of the letter. Thanks Ani

Thanks for reading! Briefly: - I developed serious chronic incurable illness over last few years and got deep into unsecured debt on various cards - Co-op debt in five figures - haven't used the card for years - got to stage where couldn't make payments - card originally taken out many years ago - Lowells taken over from Co-op - CCA request sent on 22/05/13 - Lowells reply 28/5/13 saying do their best to get information within 12 working days - Lowells write again on 4 June saying Co-op trying to retrieve from archive and that will seek payment of full balance when have the agreement - the claimed amount does NOT appear on my credit file Questions: 1. Will Co-op have documents going back years? 2. Is there any point in sending a SAR to either Co-op or Lowells? 3. Would it be best to let sleeping dogs lie re charges etc whilst they can't enforce? 4. Any idea why it doesn't appear on my credit file? Any significance to this? Many thanks in advance.

I have a letter from Lowells ref a Welcome finance Loan from 2008 (default date 2010). letter states "We are now preparing to pass your account for potential legal action" with reference to Fredrickson. it states they have been checking my credit file and believe due to my other finances that I may be in a position to pay. Now I have looked on my credit file and it shows a s a record to Welcome Finance for a loan with Satisfied next to it. Last updated January of this year. When I look into the finer details it says: "The lender has sold the debt to another member of our information-sharing scheme. Your old account will have been closed and a new active account will show in the name of the lender who has bought the debt" There is no account on my credit file for Lowell. I took a loan out with them for £750 but they are claiming I owe £1390. In order to start trying to sort this out i am wondering who actually owns this debt Lowells or Welcome? Thank you for any help.

hi, Please, I would like to know exactly what i should have received as a reconstituted CCA request from lowell portfolio. The situation i have is: 18/03/13, I sent a CCA request to lowell for a barclaycard account. 14/05/13, I receive a reply to my request and states, after liaising with barclaycard in an effort to obtain this document we have been advised that this is no longer available due to the length of time since the account was opened. Also it states they are closing my account and not make any further contact with me concerning payment against this account unless the copy of the agreement is received at some point in the future from barclaycard. 17/05/13, I receive a letter from lowell saying, We are in receipt of your recent request for a copy of your agreement.Your O/C has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the CCA 1974, we are not obliged to send you an exact copy of your signed agreement. We have now fully satisfied our obligations required following your request under the CCA1974 Blah Blah Blah, We would also confirm the following information as required by the above act. balance payable against your account £1484.19 current state of your account: defaulted. What i have received with this letter as what they say is a recon copy of the agreement: An a4 with my name and an address (address is my fathers address, i have never lived there) a box with written inside YOUR RIGHT TO CANCEL, once signed .you'll have short time to cancel and so on etc. Barclaycard agreement A copy for your records sheet (in the top right corner a little cancellation form to fill out). a sheet about;Barclaycard conditions of Use, a copy for your records. Barclaycard terms n Conditions sheet. A supporting letter from barclaycard dated 18/04/13 (see attached scan)[ATTACH]44074[/ATTACH] Please could you advise on this matter, is there things missing that should be in this recon agreement, it just seem right to me but i havent got a clue thats why im asking for help. kind regards mark.

hello, to cut a long story short I've had a couple of letters from red debt collection services for a debt which I'm pretty sure is statute barred, I sent them the SB letter by special delivery on 21/05/13 guaranteed to arrive before 1pm the next day (which it did), anyway I've since received another letter from them dated 24/05/13 stating that if I don't pay they will "be sending my account to a field agent or one of chosen debt collection partners unless you arrange repayment" Nowhere in this letter does it acknowledge the SB letter they have received, could this be an automated letter? do I wait a bit longer to see if they reply re the statute bar letter that I sent them? any guidance on the issue would be appreciated. thanks in advance.

Hi I'm just looking for a bit of advise as I'm unsure what to do. Here goes I recently DPA'D Littlewoods (the one where you pay the £10 fee) They sent me all the info etc. I tried to reclaim back £240 in late payment fee's (they were all £12 fees) and was told no. I sent them an LBA letter four weeks ago threatening court action received a reply still saying no get in touch with the FOS. Anyway 2 weeks later which was this Friday just gone the 12/4/13 I received a letter from Lowell's saying that they had purchased my debt from Littlewoods and that I had have pay them the £288 instead of Littlewoods. Part of this was for some goods however littlewoods have added approx. £200 in late payment fees over the past year which is why this has got this high. Please help as I am now totally unsure what I need to do. Any advice is greatly appreciated. And Thanks In Advance

Hi I am so worried - I live on my own and have noone to turn to. Baiscally without getting into a long essay I took out a MBNA credit card in 1998. Ex partner used the card but paid monthly up until the last payment march 2007. We stopped getting statements and after spending hours on the phone aguing with them about non statments I gave up. My credit file now says £2000, defaulted November 2007 status history 8... I never recieved a default notice or heard anymore from them. Partner and I spilt up and we both moved in late 2008. Have been renting until last year when I got a mortgage. In 2010 started getting letter sfrom Equidebt offering massive discounts - getting a letter once a month or so. I ignored becouse the card number they refer to is completly wrong. Then all went quiet......now I have had an Assignment letter sent to me from Lowell Portfolio. Then a month later another from Red Debt stating they are going to look at my Credit file for assets - I have a car which I need for work - value is about £1400 and am on 30 hours a week at £6.50 per hour! So I struggling to say the least! Have composed a letter to Lowell requesting copy of original signed CA containg prescribed terms and not addmitting to debt. Sending £1 PO etc etc. I am pulling my hair out here as I have spent hours reading that their Solicitors are likely to send out a SD - so am I right in thinking that I should send this letter ASAP before they do their bit? Please help me......this debt will be SB soon wont it am I right in saying a month after the last payment date - so confused.

look what dropped into my spam email address, I hope they arent waiting for a reply it may be some time in coming. I just checked credit file nowt on there (as I suspected), you know in a way I'm itching to find out but I really cant be bothered.....lets see if I get anymore Dear Mr Padja, We hold this email address on your file and would like to use it to communicate with you - we work closely with our customers to ensure that they are given the support that they need to find the right solution for them and we would like to speak with you today. Please contact us on 0113 308 6085 to see how we can help you or if you would prefer that we didn't email you at this address - please quote xxxxxxxx when calling. Yours sincerely, Samantha Barnard Customer Service Manager Lowell Financial Ltd Sorry Samantha I shan't be calling you I have to bath the dog....

Can anyone help me with these people. I have outstanding debts with shopacheck & capital one. The companies have now transferred my debts to these people. I asked them to send the credit agreements for both companies months ago and i am still waiting. Hve they only got a certain timescale to send these agreements as i want to send them a letter but want to have my facts straight before doing so.

I can't remember seeing anyone recently make a new post saying that they have been issued with a statutory demand on behalf of Lowells ? They are still continuing with bankruptcy petitions according to reports in the London Gazette. Have they stopped doing this, just paused or reduced the number they are issuing ? Going by what is reported via CAG, there does appear to have been a change.

If a debt has been written off by a DCA, do they have to stop reporting it as an active default to CRA's? A bit of background.... .Lowells bought an old Shop Direct catologue debt back in 2008. I sent them a CA request, they defaulted on this request so I put the account in dispute. I received a letter from them in July 2010 stating that they were closing the account due to the fact the CA was no longer available...... Fast forward to this afternoon, and I was going through some old paperwork following our house move and I came across another letter from Lowells dated Aug 2010 stating and I quote....".. ...as a gesture of goodwill and strictly without any admission of liability, we have decided to close the account and write of any outstanding balance...." From where I see it, that's written evidence that they have written off the debt, the debt ceased to exist as of the date of that letter so thus they should not be still reporting it to the CRA's.. ..or have I interpreted it incorrectly.. .Any thoughts and guidance would be very much appreciated

Hi Everyone I have a long running disagreement with Shop Direct over £350 worth of goods bought and sent back due to size / style issues and to cut a long story short Shop Direct denied they were received and so defaulted the account. So, Lowell's got involved and it seems they have bought the debt (probably for about tuppence in the pound) and are chasing like rabid terriers. The latest letter threatens the visit of a process server, delivery of a Statutory Demand and then, to use their exact wording from the letter '.. .Lowell may then petition the court for your bankruptcy...' Part of me thinks this is over posturing on their part but I have heard stories about Lowell's on this and other forums as to their nasty and vindictive nature. Can they petition for bankruptcy for such a small amount? Does anyone have knowledge of the law on this issue? Also, I would be very grateful for any advice as to my next move. Many thanks.

Hi Lowell have bought three of my debts. MBNA Credit Card over £1k Barclaycard credit card over £4k Bank overdraft just over £600 I received a stat demand hand delivered on 21 January from BW Legal re the MBNA debt. Sent them a request for CCA by special delivery on 23 January, they signed for it on the 24th. I applied to set the Stat Demand aside. I waited until the 17th day, so I could delay things a bit. The only defence I have is that in March 2009 I asked for a copy of my credit agreement to MBNA and they ignored my letter. There is no PPI etc. The relevant forms to have the Stat Demand set aside were received by the court 7 February as I sent them next day courier. I have not received anything from the Court. What happens next with the Court? Also, Lowell have until Sunday to reply to the CCA request as the 30 days will be up. What do I do next in respect of that? After receiving the Stat Demand I did a credit check on myself and found out that they had bought the Barclaycard and bank overdraft debts too. I have sent them a CCA requests for both. I got two letters from Lowells today. Re the bank overdraft they said they dont need to provide a credit agreement and sent the £1 cheque back, stating it would be on hold until they can provide me with bank statements. Can I do anything else here? Re the Barclaycard, they said they have requested the CCA from BCard. I have noticed posts suggesting doing a SAR. Is there any point in doing this? What can I gain from doing so? Many thanks in advance and sorry for the long post.

I received a SD on 22 January by BW Legal for a debt to Shop Direct Group. They claim I owe around £2.5k. I'm sure that amount is incorrect, but I do know that I have some outstanding. I've had my head buried in the sand for too long, and need to face the music. I received a follow-up letter from BW which I only looked at yesterday. The letter states that they will enter a petition for bankruptcy today if I don't contact them. I wrote an e-mail yesterday to the address on the letter asking for time to find out more about the alleged debt. I actually feel sick now. I know I should have dealt with it straight away, but I didn't. I haven't had a response to my e-mail and don't know what to do next to try and stop this petition. Any advice? Many thanks in advance.

hi , new to the forums but not to debt unfortunatly, been working very hard over last 5 ad half years to clear problems, but just seem no matter how hard i try someone always wants to hold you back , i had to deal with lowells on 2 accounts they had purchased from barclays , one of which i fully hold my hands up to and set up a repayment plan , the second i had no idea of and after various paperwork was exchanged they agreed it was un enforceable, i t states on my credit report as a default which is satisfied with a zero balance, now though barclays have decided to re instate it as their debt and added 47 pounds to it so now the same debt shows twice i'm puzzled as to how barclays sold it 4 years ago , its been marked satisfied 3 years but now they have just decided to start it again and also how can 2 companies register a default against one account, any help or advice would be great , not trying to get away with paying what i owe but just want to clear my records Also on slighltly different subject i had a company called robinson way chasing me a while ago for a debt for ultilities from address which i'd never lived at , wrong DOB etc, after nearly 18 months i finally got it removed from my file, not checked file for 6 months or so and was surprised to find its back on with a different company hoist portfolio , how can anyone move forward when these people trade on missery I have missed out on some lovely rental properties due to landlords wanting big deposits due to defaults etc ...so frustrating

I took out a bank loan for £9000 in May 2007. I then found myself in the very difficult situation when my business failed and I stopped making payments at the beginning of April 2008 (I stopped making willing payments earlier than that, but the bank still paid the DD's to themselves despite my Bank account being overdrawn). I then had zero contact regarding the debt since the April 2008 payment, until a few weeks ago when Lowells started sending me letters asking for £8500. I didn't pay much attention to them because at the time I miscalculated that the debt must be statute barred very soon. Last week someone called in person at the house when I wasn't in, but as my boyfriend didn't like the look of him, he told him that I no longer lived here - I presume that visit was something to do with this debt. Today I received another letter from Lowells saying that they have checked my credit file and can see I own the property, and they might take me to court and that it could lead to a charge on my house or bankruptcy. I bought my house in 2007 for £120k with £20k equity, but the houses on my road are now selling for £100k, so there is no real equity in the house. I've been unemployed for the last year and my mortgage is interest only with the payments currently being paid by the DSS. I'm more than skint so unless I found a job very soon, I'm not in a position to offer them anything. From reading the forums, it looks like I'll be getting letters from Hamptons soon. I'm not too stressed about it yet as I know these companies like to spam threats, but I am a little worried about where this might lead. What's my best course of action right now?

Hello, just 2 quick questions that I hope you can help me with. I had a mobile broadband and contract phone with three in 2007. When the 18 month contract ended I didn't renew my contract. I've just got some letters from Lowells acting on behalf of lowells at my new address demanding money and threatening legal action. Three must never have closed my accounts properly. I have been tempted to ignore them but reading on here how they can try to make you bankrupt. I have no assets, I am living in rented accommodation and moved not long after cancelling my contract with three. The defaulted amount is 69 & 94 but with the cancellation fees these have risen to roughly around £380 each. I have read that the amount they can put in for SD is £750 but together these 2 accounts do come to that. Sorry for the waffle but my actual questions are: 1) Can they make me bankrupt by joining both accounts together? ans 2) If not bankruptcy can they apply for a CCJ? thanks in advance

Hi guys , i received a stat demand from BW Legal on behalf of lowells i replied with the template CCA letter . they received the letter on the 29th November 2012 , and i am still waiting for a reply . I called BW legal to ask them what was going on , at first they denied receiving anything until i told them it was signed for and tracked , and then magically i was told oh yes we have it . they then told me i just have to wait for lowells to contact the creditors and get the details and that was it . so since it has been quite some time now , what do i do next ? thanks

Hi, Hope I am sitting in the right forum for this one. I am like the rest in this forum having fun with said company - not. They are chasing me for an account with AN before they became Santander, that I had oh some 10-13 old years ago, which was closed before I went to Australia in 2000. I never banked again with them unfortunately went the Woolwich then Barclay's, but that's a hold different story. Their letter seems to infer that they have no intention of writing or dismissing this debt. there words are "We have no intention of writing off this debt and therefore you need to make an arrangement to pay" i guess on a payment plan. Is this within the letter of the law, strong arm tactics like this ?, also does this debt not fall into the Status Limitations and can not be recovered by these companies?. I am confused by the law and what it states and how to respond?. if anyone can give me some advise, pointers I would be grateful.

Hi all, I have read and used the information given on thesite for some time with some success and I thank you all very much but, now need advice/help with the dreadedLowell bunch. I had a credit card debt with M & S which due tocircumstances at the time could not pay and that was back in 2008. I did maketoken payments for a while but these were stopped in January 2010. I have managed to bat all comers off so far but Lowells have nowpurchased the debt from M&S and are a little more persistent. I have asked them under CPUTR 2008 to confirm they have theoriginal agreement and provide a copy of same. After trying three times theyhave still failed to answer my enquiry and just respond with the usual guff and procrastination. However, they sent me a letter earlier this month saying theyare giving me 21 days to either pay up or they Will: “send an agent roundto have a word or, proceed with court action or petition for my insolvency” Now this is all very threatening so I wonder is this thestandard rubbish they issue or is there truth in what they say? Any help or advice with be great and feel free to ask anyquestions I’ll do my best to answer them. Cheers

Hello all, I am a total novice to all of this, so apologies for being a bit wet behind the ears. I would really appreciate some help and advice over a matter that has recently happened to me. I don't know how much info you need so I will just tell the full story, sorry if it is too much info. I took out a store card from the high street shop “Warehouse” (IKANO) in Sept 2004. At the time I lived in Glasgow. I never should have taken out the card as I had no real intention of using it, I only took it out to get an on the spot discount on a large purchase. To the best of my knowledge I never used the card, but never got round to cancelling it either. In June 2008 I moved from the Glasgow address to a new town about 10 miles away, where I still live today. When I moved I hadn’t used my Warehouse card for almost 4 years, and did not think I owed them any money. I had had very little correspondence from Warehouse over the years as I had not used the card. When I moved I did not contact them with my new address, and over the years I totally forgot I had ever had the card. In Oct 2012 I got a letter from the debt collection agency Lowell saying they had purchased my debt of £50.74 from IKANO and that I needed to pay them this amount asap to avoid further action against me. I called them and said I had no idea what the £50.74 was for, and they said they would get the details from IKANO and post them out to me. In Dec 2012 I got a letter from Lowell which included a breakdown of money I owed. The breakdown said I had made a purchase on my Warehouse card of £2 in Dec 2004. Nothing further seems to have happened until Dec 2009 when a fee of £12 was added to the account for non payment of the £2. Further fees were added each month for non payment up until March 2010 when the amount owed had reached £50.74. At this point the debt seems to have been marked as default. They also sent me a copy of the contract I had signed when I took the card out in Sep 2004. In September 2012 the debt has then been passed on to Lowell to chase, and they then tracked me to my new address and contacted me. Until October 2012 I was unaware that I owed anything and am now unsure if I have to pay this debit collection agency or if they are just chancing their arm chasing up old debt hoping I would pay them? My main fear is that because I never contacted IKANO to tell them I had moved in 2008 I have missed any letters they sent me in late 2009 and early 2010 telling me I owed them money, and therefore this debt has resulted from my mistake. However it seems unfair to me that they could wait 5 years before contacting me to tell me I owed them £2 in the first place – is this not statue barred? I have checked my credit status on the 3 main sites, and equifax do have it recorded that I defaulted on my Ikano debt in March 2010, but it is marked as settled - not sure if this means they have written in off or what? None of the other credit report sites had a record of this debt. I have never been in debt and don't even have a credit card. I have a Mortgage which I got in 2008 when I moved and was hoping to remortgage next year so that we can move to a big place as now have children. Is this Default on my record going to cause me problems with credit/mortgage. I would really appreciate your advice on the above issue as my most recent letter from Lowell says I have to contact them within 7 days or they will instruct their solicitors to take action against me. They are calling me several times a day and I am currently avoiding their calls. I also am really worried that if I do not pay this debt my credit rating will be affected. Can't believe all this hassle and stress over £50, am tempted just to pay to make it all go away! Thank you so much for reading and in anticipation of your help and advice

I had an account with Shopacheck which, according to the CRA`s is settled. Today i got a letter from Lowells looking for payment. I wont be paying them a penny but other than ignoring, what should I do

I would be very grateful if anyone could answer a few questions for me. This is a bit of a minefield for me, but they are threatening to issue a bankruptcy petition. The SD was dated 12th Oct and I know I should have dealt with this sooner - is it too late to apply to have it set aside? The demand is for two separate debts, and been passed from DCA to DCA over the last few years - they arent statute barred however - but I have never received a valid CCA from them despite several requests. Not sure what my best course of action is here - can they really have me made bankrupt for unsecured debts? I've been reading a lot of threads on here which are all wonderfully helpful, but I am very confused as to what I should really be doing, especially as the 18 days have now passed.

I have noticed on the latest batch of begging letters from the Leeds Losers, that they state that "we have addressed your query" At first I thought nothing of this, however this old mobile debt becomes Statute Barred in the next Month or four and I wonder if this is some kind of p!$$ poor pre-emptive tactic to try to circumvent the whole SB argument, without the obvious pitfalls of the usual phantom payment scenario. ie. they have resolved a query on YOUR account therefore you must have acknowledged the account in some way. Obviously they would still be required to provide evidence of such a written query, but this would be much easier to fabricate (allegedly) than a historical payment