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  1. I've received the following letter from Lowell solicitors regarding a default from 2012 for about £1700. I've previously tried to negotiate a settlement figure but got very little response. Although I have found a letter they sent last year offering a 60% reduction in the debt. Any suggestions on my next course of action? PAP LOC (1).pdf
  2. Thanks. I have previously SAR'd Vanquis. I'll dig it out and post here Here's the SAR response jpg2pdf.pdf
  3. Really need some advice as to what to do first,, do I call Lowell ? How do I respond to the forms I know there is a deadline we have to meet. My boyfriend has received a claim form from a Vodafone contract he had no choice but to cancel due to the recession, he had no work and got himself in a bit of a mess which he is still in the process of sorting out. At the time he did visit the citizens advice who helped him, they advised he offer to pay Vodafone £1 per month which they declined. I have copies of most of his bills from 2005 onwards, sadly the copies h
  4. Having received a parking invoice for parking on private land from UK Parking Management LTD, I failed to respond or appeal. As I am unlucky enough to be subject to another private parking charge , I had confused the two and thought I had appealed but it seems I did not..... ..I have now had a letter from Debt Recovery Plus asking for £160. I called them upon receipt and asked for copies of the original invoice and some other information (such as the address of the parking company - so I could write to them directly). All of my requests were (quite rudely) refused
  5. Hi, I have just received a letter and form from Lowell Solicitors regarding a mail order catalogue for just under £900. No payment has been made for 3 1/2 years, account taken out around 2010. It is saying if I don't reply or make payment within 30 days they will start court proceedings. Any advice on how to deal with this? Thanks JJ
  6. Hi All Im looking for some advice on this one. Back on 20/12/17 i went to park on a carpark behind some shops previously this was an actual carpark for use of shoppers. As i went into the entrance of carpark i noticed a sign on the wall on right hand side as you enter the carpark so i pulled to the left hand side to read it (The entrance is an ally way between 2 shops as shown in my Picture There is no signs visible until you enter the carpark) It said that the carpark is now for gym use and to check terms and conditions in the carpark I left my car where it was which wasn
  7. Lowell Solicitors sent me a letter in December 2018 saying on 08/08/16 a CCJ was entered against you and you were ordered by the court to pay £50 per month. I haven't paid anything on it. It says they are considering options to enforce the CCJ as its in arrears. The amount of the CCJ is £499.13 It also says to avoid the possibility of enforcement action we need to agree a payment plan with you. This CCJ was issued years ago to an old address, i now know it's my responsibility to inform them of my new address and my circumstances at the time would not allow me to do that b
  8. I received a Letter of Claim(pre action claim letter) from Lowell Solicitors on 03/06/2018, and have 30 days to send them the reply form, but just saw it today. Very worried if it is late. The Account start date 14/01/2013 Date of default 14/12/2013, the original company name is THree mobile, regarding 385.51 balance., so maybe a mobile contract wih handset. Then I sent the reply form back to the solicitors and CCA request to Lowell portfolio I Ltd, On 26/07/2018 received these letters from Lowell solicitor today( please see attached pictures) It says: "As this is
  9. Hi all. Brief background to my delimma; Opened up a vanquis account back in mid 2013, kept on top of it for a few years until I went through an extremely difficult time, they increased my credit limit to £2000 around the same time and I blew the lot and stopped paying because I didn’t care about anything. It was then sold to Lowell’s solicitors I ignored the first letters until I received the pre action protocol letter. I responded to that asking them to prove it. Today they replied stating they were waiting for response from creditor and my account is on hold in meanti
  10. I had a time to pay hearing today for a credit card debt. Cabot was represented by nolans. I offered 10 per month on my court documents. Nolans rejected this and today we had a hearing. I'm a bit confused by it all. I said I was financially struggling. I was told an open decree was granted and I had to pay. So what does that now mean? I asked what happens next and was told that was up to nolans. Help!
  11. Hi, I have an old credit card debt dating back a few years - I was too ill at the time to deal with it and was taken to court and ended up with a CCJ. I wasn't able to make the payments the court told me to pay but Restons agreed an arrangement of a minimal payment each month to run alongside the Judgement. I have paid each month and never missed a payment. Today I received a letter from them with an 11-page questionnaire about my finances and other personal details - if I do not reply within 7 days they say the arrangement will be cancelled and they will advise the client to begin r
  12. Firstly thank you in advance for any help I may get from you guys!! Yesterday I received a county court claim form from Gladstones Solicitors Limited on behalf of ES Parking Enforcement Limited and genuinely this is the first I have heard of this matter. It states they are claiming: Amount Claimed: £166.18 Court Fee: £25 Legal Representatives Costs: £50.00 Total Amount: £241.18 I don't know where this has arisen from and cant recall parking where they said I had "breached their terms of parking". The actual wording is: "The Driver of the Vehicle Registration XXX
  13. I have just discovered this site and forums, and fear I have made a terrible hash of dealing with Erudio with regard to my own and my husband's old Student loans (My own: 1 from 1990 (unsigned by SLC) for £420 but due to 9.8% interest (!!!!) now over £800 and really should have been written off had Erudio not been involved; and my husband's: 4 from 1993, 1994, 1995 and 1996 respectively and over £5,000). We had been happily deferring re-payment of these loans over the years until Erudio took over. The first inkling that we had that they had been sold to a bunch of debt collector
  14. Good Evening I'll try and keep this short. I have been successfully defending Court claims from Lowell's with the help of this group, they usually give up when it gets to the stage where the judge tells them to supply the court and me with my cpr requests or file a properly completed claim by a certain date or the case will be struck out. Today they have sent me a curve ball for their latest claim against me. They have sent me a Tomlin Order to sign. They have not supplied all of the information they were told to supply. I'm guessing its their last ditch go at trying to s
  15. Hello I am writing on behalf of a friend regarding an outstanding debt (overdraft) with Halifax Bank. Since 2015, this has gone through Wescot Credit Services, Cabot Financial and is now with Restons Solicitors. They were out of work for a time but are now employed and wondering how to handle the Letter of Claim sent from Restons on behalf of Cabot. They are asking for payment of the sum £1,261 by 18 May and this just isn't possible. They say if it's not paid they have instructions to issue a Claim in the County Court for the full balance plus fees and costs. They then
  16. Thanks in advance for this site and all the posts and advice You are all the reason we have decided to put up a fight. Just for a context.... I have spent the last week reading everything I can possibly fit in to my brain on this subject and I just need some clarification on some points. My family and I were away for 6 weeks (28 Nov 2017- 10 Jan 2018) in New Zealand during that time my husband received a PCN (£60 early repayment) dated 29th Nov 4 days after the alleged incident (25th Nov) from HX Car Park Management Ltd. The PCN was for overstaying a pre paid time that w
  17. My husband received a parking notice in February 2017, after parking on a private road outside the house where he was living. GLADSTONES SOLICITORS were involved. He received 2 notices and as it was a private parking company he ignored them. A few months letter a 3rd latter came suggesting a court case and demanding £400. He filled in the form and returned it saying that whilst he disagreed with it he would pay but could not pay all at once and requested a payment plan. He suggested £100 per month. That was in November, 2017. He heard NOTHING back from them and re
  18. Hi all I've received a letter of claim from Howard Cohen acting on behalf of Hoist portfolio Ltd. The debt relates to a former Barclaycard that started in June 2008 and later defaulted in in Dec 2013 (according to my noddle credit file). I was self employed at the time and quickly became over indebted at the time. The default amount is £12,500 and last payment made was March 2013. I've uploaded a redacted letter of claim I received recently. I received a very similar letter in Dec last year which I ignored and did not hear anything until now - the same request letter
  19. Hello all, I received a letter today in the post from Gladstone solicitors requesting for £160. I checked online at HX car park's website the PCN quoted on the letter does not exist as it is not recognised. So I called the solicitors as they said to if matters needed to be discussed. Called to find out why there's a charge for a parking that was paid for and why no PCN issued and why is this the first time they can contacting seeing as date of charge is 04/03/2018. In which she responded rudely that they sent a letter in June and they are acting on behalf of HX Car management
  20. I live in an apartment building which comes with a parking space. One day my parking permit was not displayed as it had fallen off my dashboard of my car so a Parking Charge Notice (PCN) was found on my screen. I emailed the company, Spring Parking Ltd, to inform them that the permit had simply fallen on the floor of my car. Their response was that it is my responsibility to ensure it is displayed and that the PCN still applied. However, I never heard anything further from them about this. I subsequently had the same issue occur but as they never followed
  21. I got a pre action protocol letter with a form, from Restons for a next account which has been passed to Debt Managers (Services). I ticked box I and requested a copy of the contract, statement of account, details of any administrative charges, copy of notice of assignment and a copy of the default notice. I received a reply from them providing with a few details; date account was opened, address used (which is incorrect btw), last order date, last items ordered, last payment date and amount. The letter says I have not provided any information as to why I don't know if I owe the debt
  22. Hi All What section would i post the following Yes i am one of many that suffered in the crash and thought some stuff would go away but yesterdays post brought me a letter from Reston Solicitors as well as a letter from Arrowe Global telling me my account had been transferred to a new agency, and that court proceeding will go ahead after the 12th Sept 18 The debt is from MBNA - Credit Card Date of agreement 28th Feb 2001 States Orginal Account No Date of Issue to Arrowe Global 29th November 2012 Outstanding amount £14425.26 From what i recall i did pay £1 per
  23. my girlfriend took a loan out from provident on 6th December 2012 with a fixed term agreement £1134.00... her provident door sales rep money collector last collected payment 27th December 2012 . she recently had a letter from the lowell solicitors claiming to reply within 7 days.. today x2 days after receiving that letter she gets another paperwork SMALL CLAIMS TRACK . ( small claims court i take it?) i contacted the solicitors thinking that the case was statue barred because the length of time but obviously it was not... the soliciting group claims the agreement expired 20 F
  24. Evening All, First of all I'd really like to thank you all for viewing my post and secondly I'd very much appreciate any advice you might be able to offer. Location: New Gun Wharf, Gun Makers Lane, London E3 PPM Parking Sign is Attached Letter from Gladstones is also Attached Approx location of my car at the tie is also attached On the 23rd December 2017 I went to visit a friend who lives in a private block of apartments. To enter his block, you first turn off the main road Old Ford Road (which leads onto a small cobbled road (this is Gun Makers Lane which is doubl
  25. I received a Letter of Claim from Lowells today and now my heart is racing and a sense of panic is setting in. Particulars of debt: On 22/6/2009 you entered into an agreement for Lloyds account. You failed to make payment in accordance with the terms of the agreement and it was later terminated and subsequently assigned to our client by Lloyds Bank PLC on the 24/11/2015. Notice of the assignment has been previously been given to you and you may request a copy of the agreement on the enclosed reply form you are required to make payment of the of the sum outstandi
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