Showing results for tags 'lowell finance'.
-
I have had letters from Lowell chasing an old Capital One account for quite a few years which I have always ignored. I have had many threats of legal action from various associated companies of Lowell which I have also ignored, however on Saturday (28th June) I received a claimform prepared by Bryan Carter Solicitors on behalf of Lowell Portfolio Ltd. They are stating the debt was assigned / purchased on October 2009, and they are after the original claimed amount (by Capital One) plus interest dating back to October 2009. Could do with some help on this one.
- 37 replies
-
- capital one
- lowell finance
-
(and 1 more)
Tagged with:
-
HI, I'm after a little advice on the following and where i stand etc. This all relates to a Lloyds bank account held between 2001 and 2008 In 2006 i attempred to get back approx £5k worth of charges from Lloyds - i never took it to court as i could not afford the initial court fees at the time so only went as far as issuing a letter before action ti which i got the general "go away" letter back from Lloyds. sometime between 2007 and 2008 lloyds allowed me to go overdrawn and this spiralled out of controll - when they closed the accoung in 2008 i was £1100 overdrawn and this was mainly due to unplanned overdraught fees and interest etc - the initial figure that hiad actually gone overdrawn by was only £100 or so but with wages not covering the excess fully each month it soon shot up to the £1100 figure. between 2008 and 2012 i had letters from lloyds and various debt collection agencies trying to get it back - my reply was always that the figure was made up of excessive charges and i welcomed them to take me to court so that i could conterclaim on account of the charges from the overdraught AND the previous 5k of charges from 2001 - 2006 - they never took it as far as any kind of court action and was generally just a long line of threat-o-grams. In June 2013 the alleged debt was SOLD to lowel finance and i told them that i didnt recognise the debt as it was made up of charges dating back to 2001 (explained the whole thing to them) and they needed to prove that i owed the money. in December 2013 they finally got back to me with their "proof" that the debt was owed and this was in the form of a years worth of statements between 2007 and 2008. So a couple of questions ... 1 - What else can i do to delay and ask for more evidence - A statement of account surely just shows what went in and out of the account etc and doesnt nessasarily show that X is owed, why its owed, how its made up etc ( or does it and is it enough ? ) - should there be a CCA or similar ? 2 - The last entry on the statement when the account was closed was march 2008 - will this become statute barred in March 2014 ? or would it become statute barred earlier - for example when i originally went in to unplanned overdraught - or maybe later when they first sent a default notice ? 3 - and finally - do i actually have ANY kind of defence with my stance that the majority of the amount owed was from unplanned overdraught fees and that that i may have a counterclaim for unfair fees going back to 2001 ? Any help would be appreciated D
- 31 replies
-
- joint
- lloyds bank
-
(and 3 more)
Tagged with:
Latest
Our Picks
Reclaim the right Ltd
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS
The Consumer Action Group
×
- Create New...
IPS spam blocked by CleanTalk.