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About Me


  1. I have been issued a CCJ which was pursued by Bryan Carter on behalf of arrow global. It was issued in Autumn 2010. When this was being issued I asked for CCA and SAR requests to which I did not get any reply. The debt was just under £4000 but with court fees it came up to almost 4 and a half. I was asked to pay £50. But due to my circumstances I requested fro reconsideration to the court and then it was brought down to £1 per month. I also received a confirmation letter that £1 of payment would be deducted from the information I provided to the court.
  2. Hi i have a debt with lowell, a couple of months ago i asked regarding a full and final payment ,i had a response and was a massively reduced portion of the date, then my marriage broke down, needless to say its been a difficult time. I have moved house etc,but regardless a letter arrived at my old house from Bryan Carter solicitors and a letter from the northampton court house. The debt totals near on 900, 830 and their fees..when last year lowell reduced the debt to 450 at request and offered 250 on full and final payment. Is it just me or is this tactic
  3. Hi guys, I have a CAPITAL ONE credit card which back in september I had offered to make £1 token payments, my response was that they had referred to fredericksons intl for repayment... i set up a £1 standing order online to fredericksons with a letter to them copying in my letter to capital one regarding token payment and my current financial circumstances... my first token payment went out in december which got accepted and my balance reduced by £1. HOWEVER - i now have a letter from Bryan carter which is there "LBA_S2LIT" template letter giving me 14 days to make p
  4. Hi all, Well I'm certainly bowled over to see there is an entire thread about this guy.! in July 2008 I took out a really terrible loan of £4,000 I paid it until Jan 2009, when redundancy forced us to return to my wife's home country where I had a job offer there. I couldn't afford to maintain payments on a lesser currency from another country and I left it to default, foolish I know but if you haven't got the money what can you do? Over the years various companies have purchased and sold the debt on where now Lowells have it and Fredrickson have been call
  5. I hope Someone can help me as I am in a panic and angry at myself for being so stupid:-x I was served with Proceedings for an old vanquis card which Lowell took over and Bryan Carter issued proceedings. I filed defence and did everything I needed and the matter was allocated to small claims at my local county court for hearing on 30th March. I had problems with both Lowell and Brian Carter in that although I knew I had a balance outstanding on the account and was prepared to negotiate a settlement I did request copy credit agreements as I believed there may be PPI o
  6. My wife received a letter from Lowell/Brian Carter with a return address of a PO box in Huddersfield claiming a debt owed to JD Williams. We live in Northants. My wife does not acknowledge any debt to Lowell and if/when these parasites issue a CCJ Can I demand the presence of a Solicitor from Brian Carter in court to be cross examined as to the validity or indeed the existence of the alleged debt? Rhino69
  7. Hi all, I will try to be as clear as I can with my story. Took out a shop direct account back in 01/2007. After running up a debt of around £290, I could no longer afford repaying the account and in around 10/2008 they eventually placed a default against my name. This default is obviously due to drop off in the next few months now. In late 2009 I made a couple of £30 payments to bring the debt to around £238 however I could no longer afford to repay them. I actually heard nothing further from Shop Direct / Littlewoods after this. A few months ago (around late 2013) I get a
  8. hi all hope some one can help with what to do next received a letter from a solicitor called bryan carter saying they have been instructed by fredrickson international ltd on behalf of their client Lowell financial ltd regarding a 02 account. to commence legal action and issue a claim against you in the county court in respect of this debt should you fail to respond to this letter within 14 days a claim will be issued against you without further notice current debt = £763.06 estimated court fees = 60.00 estimated solicitor cost = 70.00 estimated total =
  9. Hello, this morning received a Claim Form from Bryan Carter. Claimant: Lowell Portfolio Limited Date of issue – 15/5/2015 What is the claim for – The Claimants claim is for the sum of 2253, being monies due from the Defendant to the Claimant under an Agreement regulated by the Consumer Credit Act 1974 between the Defendant and Lloyds under account reference xxxxxxx and assigned to the Claimant on 30/6/2014, notice of which has been given to the Defendant. The Defendant failed to maintain contractual repayment under the terms of the agreement and
  10. Hello everyone. I have found myself to be in a predicament and urgently need your advice. Situation: I have 3 debts with Lowell totalling £410. I recently got an experian credit check to see what my score was. At this moment in time it is 640. After speaking to StepChange about sorting out my debt they advised me that I could either talk to them individually and make token payments till my situation changes (I am on JSA and receive £146 every fortnight/£293 a month) or apply for a debt relief order (My total debts including other creditors = £1100). The DRO w
  11. I have an account with Lloyds, and have admittedly gone over the agreed overdraft a few times. after going through all my statements and calculating the total amount they've charged me, it comes to about £2000 in charges. I've already put in a claim and got the usual response back, however last month they removed my agreed overdraft limit of £500, and won't let me apply for another overdraft, so I opened a new account with a different bank. now I'm getting letters threatening me with court action because I'm £770 overdrawn. What should I do here? Try
  12. Hi, New poster here, but have read a lot of the information on here previously and it's always helped. Hope you can now too. I have an apparent debt which the lovely people of Lowell are chasing. Now, the account in question is in my name. And I did previously use it. I finished using it in around February 09. To my knowledge it was left at or around a £0 balance and I haven't thought about it since. Lowell got in touch recently, claiming a debt of around £900 which they'd bought from Lloyd's. I've spoken to them on the phone (I know I shouldn't have, but
  13. My son received court papers today that state: This claim is for 377.92 the amount due under an agreement between the original creditor and the defendant to provide finance and / or services / goods. The debt was assigned to / purchased by Lowell portfolio 1 Ltd. on 27/ 02/2009. And notice served pursuant to the law of property Act 1925. Particulars / shop direct and an account number. They also claim 8% interest. A few years ago we were receiving letters from shop direct, we told them they have the wrong person. No one has ever had a mail order catalogue
  14. Mistakes were made when i was younger and i got myself into debt. When couldn't pay them have come chasing, and me being stupid ignored them, they been round in circles for years now. Usually i bin the letters (stupid i know). owe to different creditors, 8 in all. 3 to Lowell i think. The smaller of the 3 has come to light £900.18. I'm starting to panic, as this seems pretty serious now. Letter reads: We have been instructed by Frederickson International Limited on behalf of Lowell Financial Limited to issue court proceedings on 07 Feb 20114 if payme
  15. Name of the Claimant ? Lowell portfolio I ltd Date of issue – 10 july 2015 What is the claim for – the reason they have issued the claim? 1.the claimants claim is for the sum of 724.73 being monies due from the defendant to the claimant under an agreement regulated by the consumer credit act 1974 between the defendant and vanquis under account reference xxxxxxx and assigned to the claimant on 23/02/2012, notice of which has been given to the defendant. 2.the defendant failed to maintain contractual repayment under the terms of the agreement and a default no
  16. Hi guys I've just received a "Letter Of Claim" from Bryan Carter solicitors regarding 2 debts, 1 is an old catalogue debt and the other is from Orange. they have been instructed by Fredrickson international on behalf of our client Lowell Financial regarding a shop direct account/three mobil account, to commence legal action against me in the county court in respect of this debt. They have given me 14 days to respond or a Claim will be issued against me without further notice. Both debts are from early 2010 and the last payments where around June 2010. Shop dir
  17. Firstly, apologies for the long winded detail - I posted this on another website but as I am seeking expertise thought it be good to post on these knowledge boards too I received a Claim Form this morning in relation to BlackHorse via Lowell / Bryan Carter. Firstly, I have not at any point acknowledged the debt. Secondly, I know this is probably not valid - but the default date was issued by BlackHorse. Lowell / Bryan Carter have 'lied'? on the claim form in relation to a default date they issued. My belief is that this is not possible, right? Thirdly, I hav
  18. I have been battling a claim with Bryan Carter on a Shop Direct account they state I opened in 2006 and defaulted on. I have no knowledge of the account. They have issued proceedings that I have defended, and also I have served a CCA s77/78 on them in between. Their only evidence is a blank unsigned reconstituted credit agreement date April 2006. So far they have offered no other information under CCA, only that their client will be in touch. This was 2 months ago. Since then the Court case has been allocated to a small claims hearing in Jan. I have returned
  19. Hi, I am really stressed. I have received claim forms for the County Court for a HBOS debt being claimed by Lowell/Bryan Carter. The claim is for £740. I did have a Halifax account a few years ago and it went into arrears for around £150. Is there anyway I can ask the court for them to make Bryan Carter provide full information for the amount claimed as I am not certain it is this debt and can't work out how it has gotten to so much? TIA
  20. I had a letter last week from Bryan and Carter saying they are legal representation of Lowell Portfolio 1 Ltd and that I have an outstanding O2 Phone Bill from 04/2009 for £460. They said if I did not pay up they would issue a CCJ against me. I gained a copy of my credit report and noticed there was a default dated 03/04/2010 from Lowell. 2 weeks later (Yesterday) I had a claim form come through from the court with a CCJ notice to which I have limited time to reply for the amount of £582 I called Bryan and Carter and asked for a copy of the credit agreement and they were very r
  21. Hi Guys, Help is urgently needed here. Although, I have been following some discussion that relate to my issue. First I will say this forum is a remedy for depression, when this deb companies started chasing me i was like a mad person. I just received a claim form from Northampton BC regarding Lowell Porfolio/HBOS debt purchased. the amount is under £2000. This was a balance from the unsecured loan took over 10years ago but due to no job i stop this payment about 6years back and that was my last contact with HBOS and i have never had any contact wi
  22. Hi I have received a claim form and intend to fight it but I am unsure what I need to send as I understand mobiles are not regulated under the CCA? Any advice? Thanks
  23. Hi All I am a first time user here please accept my apolgies for any mistakes I make! I have received a County Court Claim form from Bryan carter solictors acting on behalf of Lowell Portfolio the original debt was with welcome finance 9 years ago. I fell into financial difficulty due to divorce and was unable to pay the loan to Welcome, the last payment I made to Welcome finance was 22nd May 2009 ( although I need to clarify this payment with my bank) and the Issue date of the paperwork was the 22nd May 2015. I have never acknowledged the debt to Lowell or Brian Ca
  24. Hi there, newbie here! I would be so grateful if I could get some advice and help on this. I've been reading so much on this awesome forum that my head is starting to spin. There's definitely loads to get through. Without further ado, I received a claim form with issue date 12 May 2015. Solicitors are Bryan Carter and claimant is Lowell. It's for a capital one credit card I took out pre 2006. To my knowledge, this debt is statute barred as I have not communicated with Lowell in recent times. I did find a letter that I drafted to Lowell some time in 2010
  25. Hi all, I have received the obligatory letter from BC, acting on behalf of Lowell who are acting on behalf of Orange lol. I've got the standard "you have 14 days to pay us or we're taking you to the small claims court" letter. Is it best for me to ignore this as per title? The debt is not statute barred. Many thanks
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