My husband has received a letter from Lowlifes today for an overdraft on an Abbey National account from (if memory serves me correctly) about 10 years ago. It tells us that the account (which was joint with me) was opened in 1998 and I know we didn't have the account when we moved 9 years ago. Hubby is invited to call them to discuss clearing this account (which I thought was very kind of them lol) and that they used his credit file to obtain his address. How should we respond? There is no way on Gods green earth that any movement has occurred on this account within the last 6 years but looking at other posts fear reprisals due to their aggressive tactics!

Hi Guys and Gals, Just a quick one :- Got an old Lloyds c/card debt from approx 2007/2008 , the card was initially taken out in 2002 and now the debt has been sold to Lowells, over the past couple of months had the usual assortment of letters but have just ignored them as the debt is not far off being SB. However on Friday got a new letter from them this time saying that they may now go down the route of a Statutory Demand and instructing solicitors etc. Im going to send a CCA request to Lowells and send a SAR request to Lloyds. Does anyone have an address to use for Lowells and for Lloyds TSB as the one on their letters is a PO box and i didnt think you could send recorded deliveries to PO Boxes. As usual any help, ideas or advice is greatly appreciated Gazbo

Hi all i've been getting letters regularly from Lowell regarding a capital one credit card debt (for approx. £240) i've ignored all letters from Lowell ,i now recieved a letter ,with a somewhat hostile tone from "RED debt collection services" who claim to be "the debt collection division of Lowell Financial Ltd" It states my "account" is overdue and i should pay now . (I have never had an account with Lowell or this division of lowell) The main bulk of letter is contained in this; "Dear Mr Norman We specialise in assessing accounts for litigation and will be obtaining a copy of your credit file in order to review your financial circumstances and the information within it will help us determine the best way to recover what you owe." "If you do not repay what you owe you could risk legal action being taken . We may decide to apply to the county court for a Judgement (CCJ). If we are succesful in obtaining a CCJ and you still do not repay, depending on the amount you owe and your circumstances , we could then apply to secure the debt against your property, or to deduct the amount directly from your earnings. Alternatively,we may ask a court for a baliff to remove goods from your house to the value of the debt" (They're barking up wrong tree ,i live in rented accomodation i'm unemployed and own nothing to take.) I haven't been able to get the funds together yet to request sars from my original creditors ,so who do i send a cca request to here please? Lowell or do i just respond to this letter direct from Red? Thanks Norman ps; i have wondered if i should apply for a dro as my situation isn't improving ,but i don't want to waste £90 if all the creditors aren't going agree to it.

Hi There, I had my mobile phone stolen in 2007 and a £792 debt was ran up within 1 day and resulted in a default. (I thought I had simply lost my phone in my university dorm room) when it was in fact left in a taxi. Anyway, the debt was due to expire in 2013, however Lowells have taken over the debt this year and for some unknown reason the default has been transferred to them, and it says that I defaulted in 02/2012. Which of course is false nothing happened in 02/08/12. I presume that this debt will now be on record for a further six years from 02/08/2012... How have they done this and what can I do about it. Lowells continue to send letters threatening to give me a CCJ and have recently offered a discount of 50% on the debt to which I have ignored. Kind Regards

hi recieved a letter some months ago from lowell about an old catalouge account i had from 2010 looking at my credit score lowells have defaulted me on this catalouge.so i sent them a cca request with the applicable 1 pounds admin fee.recieved a a office copy of the cca from lowells on saturday and a letter saying they look forward to proposals of repayment of £857 i have uploaded the cca they sent me.any advice on my next move would be greatly appreciated.thanks

Hi everyone, I could really do with getting some help. I've spent the best part of the last 24 hours reading various different threads on this forum about Statutory Demands and now my head is spinning, so thought it would be best to see if I could get some advise based on my exact situation. The SD was hand-delivered to my house yesterday. It relates to a loan that was apparantly held with HBOS PLC thatwasi took out about 7 years ago. The default date on the letter is January 2008 (apologies in advance as I left the document at home so don't have the exact dates but can get these later) but I am pretty confident that I would not have made a payment for about 6 months before the debt defaulted - I had my Daughter in March 2007, which is when my payment issues started. I don't have any paperwork relating to the inital debt and I have moved house 3 times since, if I ring HBOS would they be able to confirm information to me still or would I have to request this for through Lowells/BW Legal? I understand I need to contact Lowells to let them know that it's my intention to dispute their demand, what information do I need to put in there? Is it sufficient to say that I belive the last payment was made more than 6 years ago? Do I also need to send something to the court as well? Apologies if these questions have been asked on multiple occasions before, and thank you in advance for any help that you can provide me with.

Hi, just joined as i have received a letter from Lowells regarding a Black Horse alleged debt. It was a £6K loan from 2006. I got into financial difficulty in 2007 and stopped paying. I sent a SAR to Black Horse in March and received some printouts with transactions and copies of letters detailing late payment charges and default letters. Last payment was back end of 2007, there is PPI on this loan as well. I CCA'd Lowells in March but never received anything back, so I sent them an account in dispute letter, which also was not replied to. What is the best thing to do next?

Hi, this is my situation. My wife received a letter from a DCA called ‘Lowell portfolio I’ claiming that a ‘debt’ from a motor insurance company (Budget) has been 'assigned' to them (Lowell). They state that my wife ‘owes' a sum just under £100.00. The background is that my wife had motor insurance with Budget, but her car was scrapped in Sept 2011. She notified Budget of this by post, and stated that she would maintain the policy up until it’s expiry in March, 2012. (As the fee for cancellation was nearly as much as the remaining balance). However, Budget rolled-over the direct debit, even though they had been explicitly told that she would not be renewing. (They have a habit of doing this, even doing it to my dead father!) She didn’t notice the payment leaving her account until early this year. She cancelled the DD and we wrote to Budget explaining this. We heard no more, until we got this letter from Lowell. My wife sent Lowell an email explaining the circumstances: Regarding your letter dated 10th July, your reference 130779036. There seems to be a misunderstanding on the part of Budget insurance. I have not owned a car for over two years, and my motor insurance policy was allowed to run to its natural term, when it was cancelled. I subsequently discovered that Budget continued to take payments from my bank account without my authority, so I cancelled the direct debit and notified them of this. I owe neither them nor you anything, indeed, they owe me money. I will not tolerate harassment or threats from you in this matter, and will immediately refer such to my solicitor. If I can be of any further assistance, please do not hesitate to contact me. As yet, they have not responded, but the letter from them, threatening to refer the matter to their recoveries business (Tocatto Ltd), has unnerved and upset her. Personally, I am always up for a fight with this type of organisation, but I hate to see my wife distressed. What should I do next? Any advice will be much appreciated. SG

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.

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, 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.

The following happened before I found this site and learnt about my legal rights etc , so what I should or shouldn't have done is pretty much mute - as I now KNOW what I should have done - but feel free to chastise me! Lowells first wrote to me last August 23 at my current address regarding an outstanding overdraft/charges amount that they had bought from a bank. I knew it was mine as I had ignored them at previous addresses, but following my recovery from severe anxiety and depression, I wanted to start to rebuild my horrendous credit record. i contacted them towards the end of September, (couldn't fault them as far as how I was treated in respect of agreeing how much I was able to pay them per month). After a discussion with a friend about the bank charges, I put the account into dispute so that I could challenge the unfairness of the bank charges. Issued them a SAR and got everything I wanted. Before I could go through the charges etc, I was struck by another bout of depression, and so continued with the payments without any further challenge. (I know, I'm kicking myself too!) Fast forward to 2 weeks ago, and I'm fine, found this site, got my Credit Report, sent Moorcroft packing, put in a claim for £3000+ of PPI, and then started to fume about Lowells and my previous bank! The bank sold the debt to Lowells on 7th August 2012 Lowells first letter was dated 23rd August 2012(along with the bank's Letter of Introduction - which wasn't on true bank letterhead, but was obviously printed on an inkjet printer due to the bleeding and the fact that the QR code couldn't be read). I believe the debt should have become statute barred on the 25th August 2012 as the last date any money was paid into the account was 24th August 2006 - although the date of default on my Credit Report was 24th May 2007 (which is when the bank officially closed the account). Lo and behold, today, on checking my Credit Report, the bank's default has been removed, AND so has Lowells entry - this has put my score up to 969!!! Armed with what I now know, what are my options regarding Lowells?

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

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.

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 , 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?

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....

I have paid off a debt firstly with Barclaycard and then a few years later Lowells got in touch and said there was an outstanding amount still, I (stupidly) agreed to pay this off as well, I did this over three months last year. If only I had known what I know now having read these forums I would have put up more of a fight. The account is satisfied, as per a letter from Lowells received today after I queried it, but is still showing as defaulting they say that as it has a defaulted history they cannot mark it as satisfied...is this true? If so why are some of my old overdraft debts marked as satisfied, with a date of default also on it as well. This is all on Experian which is the one that Lowells say they use. Also can I reclaim charges added to this account even though I have settled it? I don't mind if I can't put will attempt it if I can!! Thanks to all you beautiful CAGGERS! x

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.

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 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 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