Showing results for tags 'lowells'.
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Hi Guys Lowells have defaulted my credit file for a debt I never paid or acknowledged from 2006 they have defaulted it in 2008 what can I do to get this removed as should be statute barred thanks. Account Opened 8 March 2005 8 March 2005 Last Updated 17 July 2012 1 March 2009 Account Terms Monthly repayments Monthly repayments Payments Started Not Recorded Not Recorded Opening Balance £596 £0 Lump Payment Not Recorded Not Recorded Current Balance £596 Closed 11 May 2008 Credit Limit Not Reported Not Applicable Monthly Change £0 Not Available Worst Status US D The status of the account is unknown. The payment status has been reported as in default. A notice of default has been served. This usually arises from non-payment. Account Holder Status Normal Not Available Account Status Default Not Available Reported Until May 2014 May 2014 Default Date 11 May 2008 May 2008 Default Satisfied Date Not Satisfied Not Reported Lender Contacts Enterprise House 1 Apex View Leeds LS11 9BH 0845 300 9410
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i got into trouble paying littlewoods each month, as i lost my job and was tough to find monthly payments. last time i paid littlewoods i only had half the amount they wanted, think they wanted £85 and i only had £40. though the £40 was the only money i had that week, so i didnt pay, as we needed to eat. eventually littlewoods passed this debt of around £530 to lowells. i remember getting letters from lowells about making arrangements to pay this debt off. after awhile i decided to phone them. i said i would pay them £15 a month till debt was paid off, by this time the had gone from £530 to £684, with their charges. guy i spoke too said £15 wasnt enough, and said id have to fill in a income expenditure form, which i said i didnt want to do, so i said ok ill give you £20 a month, then he said if i paid £22.50 a month it would be paid off 4 months earlier, so i said ok, and set up a direct debit, the debt is down to £507 now. after reading about lowells on here i am seriously thinking of stopping the direct debits to them, and getting in touch with littlewoods and say to them ill pay them direct ,id like some advice on this matter, if i should cancel dd or carry on paying lowells till debt is paid ?
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I have started for thread for Cumbria A message from Cumbria on facebook Help please. Hamptons Legal.... been checking CAG files and getting lost in so much info ..... basic threat at the moment over debt with Lowells.. would prefer to deal with this off FB. Currently threatening Statutory demand although as usual, not happened as yet ... I'm looking for the reasons others have used for set aside (not just the list usually given out) just in case they come at me /or this could just be another of their threats... any help ... Cumbria will be along soon with more info Many thanks guys for any help you can give her....... Lex -
Hi, Lowells are chasing for an old barclaycard debt. Sent a CCA request back in 2008 and stopped making payments as they only provided a copy of the application form. Been ignoring all the standard letters that Lowells were sending after apparently purchasing the debt from Barclays. Having recently received a legal threat from Hamptons i thought it wise to send a letter highlighting account is in dispute. Would you guys recommend I send this to them http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency or send a new CCA request to Lowells/hamptons? Appreciate any advice given. Thanks.
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Hello everyone thank you in advance for reading. I have just had a call from the above company, they are saying i owe money to welcome. I have had loans from them ages ago but i thought they were all paid. They asked me to confirm my date of birth and post code but i said no cause i didn't know who they were, they said i have had my chance and they are gonna send door step collectors round. Now i guess at the moment there is nothing i can do but i am a bit worried about the threat. Thanks for any thoughts
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Posting for a friend, currently in dispute with Lowells, claiming for statute barred debt (Scotland), os balance £380 which originated from HFC. Reclaimed PPI from HFC and was offered £280 which he accepted. Ph HFC today enquiring where monies were and was told they had paid the monies to Lowells. He wasn`t informed at anytime this was going to happen. If a PPI refund is for monies he has already paid for missold insurance, can they legally give this to Lowells? Any advice appreciated.
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Hi folks Lowells have contacted me recently about a old la redout catalogue debt which I was positive IT was statute barred but they said otherwise so I requested a cca and the sent me a letter saying because it is an old account the original creditor has been unable to locate it and they were leaving it for now but may be back in touch if they find it!!, Then today They have sent me a letter saying they are not obliged to send me the original copy and they have sent me a copy of what mine would look like and saying I would have signed it at the time the credit agreement was taken out, It was completely blank??!! They are demanding I now pay the full amount!! I'm quite confused by it! Am I right in thinking they have to provide me with something with my actual signature on it!!
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Ok so I am on Day 3 with Lowells, they wrote to me Thursday to say they had bought a debt and there was also a letter enclosed from the original creditor. Today I have had 4 phone calls which I highly suspect are from them, rings, I pick up no answer after 2 calls like this I bar the number, so I am currently waiting to see which phone number they ring next. Can I insist they only contact me in writing - from what I have read it is pointless talking to them as they only do what they want to do anyway and mis-quote what has been said and if I do ask do they generally then not phone? From the posts I have seen I will also be recording the calls and will tell them before hand that I will be recording it. The background is I kept the original creditor completely up to date with my circumstances and they did stop charges and interest, but they then suddenly started them again, so I would be interested to find out what charges have been put on - but is there anything I can do about them anyway now the debt has been sold? I did offer a re-payment plan to the original creditor (with a full financial statement) as I did with all my debtors, all others accepted the re-payment plan, but this one didnt even bother responding just sold the debt onto Lowells, I assume they weren't interested because it was going to take too long to re-pay. Any other info on how to deal with Lowell's would be greatly appreciated.
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Hello, just a quickie for advice got an 'account statement' from Lowells this is dated as statement covering 01/10/2008 to 31/10/2011 however the debt is from 25/04/2003 nothing been paid ever ,got capital one credit card 2 weeks later firm went bust lived on CC then realised couldn't pay it so paid priority debts (council tax, rent, gas & Electric), and to be honest forgot all about it. The one question is I just send statute barred letter and leave it at that, mind you I have missed Lowells, Red & Hamptons calling it used to brighten my day to hear them self combust when I didnt play their game. So question is Just fire off Statute Barred (and for good measure no calls or doorstep or hold fire on them until I hear back) Thanks for help personally i would ignore but them confirming dates for me I feel compelled to write something to them.
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dear all my lodger was evicted from her mother's home approximately two years ago October time. She left with very little. She's just received a letter from CapQuest saying that they've bought a debt from Next for nearly £2k for non-payment. She did have an account with Next (and had a storecard) but did not have the card with her when she left her mother's home. It can only be presumed that her mother has run up debts in daughter's name. The letter is addressed correctly to this address. She has never had any form of correspondence from Next saying that she owes them money or what has been ordered. I am presuming that the goods, when delivered to wherever from Next were signed for and that Next have details of this signature, the goods ordered and what they were. We've emailed the CAB for advice and will contact (is this wise???) Capquest in the morning stating what (that we're taking legal advice???). Capquest say they want payment in full by the 13th of November or else they'll take legal action and/or send in baliffs. Now, regarding the baliffs - the property she lodges in is owned my me. Bar her personal possessions (clothes etc) everything else is owned my me - the furniture in her room, her bedding etc.. am I right in presuming that the baliffs can't take any of that? I have read that baliffs can't enter the property unless by 'peaceful entry' (i.e. through an unlocked door or open window - actually if they do that and my dog bites them then what???). . How does this affect my credit rating (which is exceptionally good I may add) Any advice would be greatly appreciated. She (lodger) is obviously a little shocked that her mother could do this to her. Thanks Thanks -
:-xHi Can you help? I have recieved a statement from Lowells, stating I owe money due to an old Natwest Account. This has arrived shortly after a letter arrived from NAtwest and a letter stating they sold my debt to Lowells on 30/12/2010. I got the letter 20/10/11. Silly me called Lowells stating I know nothing about this . They told me the account was opened in October 2002, and defaulted in dec 2005. I never got any letter from Natwest chasing me and I think this has been sparked cos I opened a joint account with the recently. However I did state that I had another natwest account which isnt in debt so why would I have this, and they gave me a loan which I never defaulted on and the details they provided me with is not even my sort code. I told them I will deal with them no further until they have produced a credit agreement and not one they will cobble together, with my signature on it, and until then they write only. but the 6 years is almost up so Im lost what to do?
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Hi Forum Members, I have been getting letters from Lowells demanding payment of outstanding credit card debt for over a year now...Every time I write to these jokers they ignore the content of my letters and persist. They know without a doubt that I have two permanent medical conditions, and that my benefits income is 'inalienable', and they have received a voluntary statement of income/expenditure that proves I cannot repay anything ( this was "kept on file" and duly ignored !). Their response was to demand monthly payments in excess of my total benefits income. Now they threaten with home visits (not allowable without my permission), and also state they will obtain a credit reference report and use court action. Are they legally entitled to obtain credit reference files ?? What can they use those for ?? What else can I do about these jokers ?? At present I am preparing a complaint to the OFT, since they are the ones who licence these companies. I shall complain on the grounds of harassment, and not following OFT guidelines. Any other defensive action I can take ?? They really are getting too much now... Any advice welcome... Thanks. 8-) -
Hi All, My partner of 3 years received a letter on Friday (sent directly to our house) containing papers from both HSBC and Lowells PLC stating that a debt of £7905 has been bought by the debt collectors from HSBC and must be paid. He has no idea where this debt has come from (he has had previous debts with HSBC which have been paid off) and hasn't banked with HSBC for around 4 years. They haven't made any contact with us in the interim, to our knowledge, via our address or his parents address, where he was living when the first debt was paid off. (My point here is; if they have been sending things to another address, how they have magically got the correct address now?) I was wondering the following things: - Are HSBC in breach of any laws if they haven't contacted us before selling the debt onto Lowells? - Can anyone tell me what the proceedure should be and whether we are eligible to ask for proof of 'contact'? - Could the debt be removed as a default from his credit report providing we begin to pay monthly installments (if the debt is proven) as we aren't able to get a mortgage with this on it? I've never dealt with this kind of situation before, so i might be asking very obvious questions; i'm just looking for some advice on what kind of route we should take. Thanks Rachel
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Have there been any recent changes in what cca request we send ie Credit card cca and loan cca? Mr W
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Hi Took 1st credit 16mths to produce 2 sets of T & C for a CCa request no sigs..Today get a letter from connaught say they will pay 60% of the debt and OH pay 40%..me thinks they have no Executed CCa lol..they even said we can only offer this deal for one mth ..take up the oppitunity now lol:) -
JBDR are really getting on my nerves now. I played fair & started paying them even though I hadnt got written confirmation from them. I cant afford it now, all they keep doing is the usual stuff about legal departments etc etc I have asked them to provide me with written proof that they are responsible for the debts originally with Barclaycard on several occasions. Every time the same answer "we have sent you at least 5 letters since last July sir" I havent ever got a letter from them last I knew Red collections had the debts. I take it I cant go down the statute barred route as I have paid them a payment or 2 & I had letters from Red last year. What can I do ? Any thoughts or advice ? many thanks Mart
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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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I took out a Halifax credit card online pre 2007. It was £3 in credit in Nov 2007. In dec 2007 they sent me a new card attached to a credit card agreement unsigned by myself or them. What I did not realise then was that they had transfered the acc to a new acc along with the £3 credit. This has come to my attention as I was going to send them a CCA request in regard to my pre 2007 CCA. Has anyone any ideas as to what I should do ? -
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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