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  1. Hi all, I've today written my CCA request for UK Search to provide me with the original agreement for the Simply Be account I had when I was married. I'm currently paying £3.90 a month, but I'm not working now and I have no benefits at all. They have 12+2 days to respond - what happens if they don't? What do I do then? Best regards
  2. And here's another one. Name of the Claimant - Lowell Portfolio I LTD Date of issue – 16 JUL 2018 Date to acknowledge) = 03/08 Date to submit defence = 17/08 Particulars of Claim 1) The Defendant opened a Simply Be Regulated consumer credit account under reference xxxx on 10/02/2015 ('the agreement').xxxx 2) In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated. 3). The Agreement was later assigned to the Claimant on 12/01/2017 and written notice was given to the Defendant. 4) Despite repe
  3. Interest rate increases without informing the customer CONC rules i.e customer not informed:- ? surely there is a time limit before they introduce increase, and the customer given a chance to disagree and state no further use will be made of the facility and just pay off outstanding under original interest Rate????
  4. Hello This morning I received a letter titled "Overdue Account" from Lowell chasing a JD williams debt. I am not sure of any dates or information regarding this account. I believe my next step is to SAR JD Williams to get all information. It is possible that this defaulted in October 2011. If someone could someone give me a nudge in the right direction that would be amazing. Thanks DC
  5. Claimant -Lowells Date of Claim...02 Oct 2017 What is the claim for – 1 the defendant opend a jd Williams reg consumer credit acc under refxxx on 18/03/2008 (the agreement) 2 in breach of agreement the defendant faled to maintain the required payments and the agreement was terminated. 3 the agreement was later assigned to the claimant on 20/12/2012 and written notice given to the defendant. 4 despite repeated requests for payment the sum of £1530.00 remains due and outstanding, and the claimant claimes a.the said sum of £1530.00 b. interest pursuant
  6. Received an odd letter yesterday from J D Williams. We had an unenforceable account with them that became Statute Barred in February 2015. The letter makes reference to a PPI claim that we put in in 2008, that we have no record of. A check has also been included and the wording states that they made a mistake after rejecting our original complaint and that the payment is the 'full & final settlement' and the complaint is now closed. Any idea as to what is going on here? Are they trying to reset the Statute Barred clock if we cash the check? Any advice wo
  7. a quick question.. ...I can't find a link for the 'account in dispute' letter. ....I've a debt going back to 2010 with JD williams that Lowells bought last year it's mainly made up of late payment £12 fees and over credit limit £12 fees.. ...Lowells solicitos have now sent me a 'letter of claim' to commence court proceedings... ...I sent a CCA request back in september last year, but received a generic set of T&C's and a copy of a credit agreement that has my details filled in, but not my handwriting and no sig ....I feel it best to put the account in dispute
  8. I've had a search around the forums and haven't found much in this regard, at least not where JD Williams/SimplyBe/Jacamo are concerned. Just a summary - in 2011/12 due to redundancy/ill health I got into some financial difficulties, end result is I have 3 defaults which I'm still contending with, but have repayment plans for and I'm currently trying to resolve/end. Besides these 3 accounts and since 2013 my credit history is perfect (bar the three accounts I mentioned). I worked hard to keep it this way so that when those defaults drop off my file at some point my
  9. Name of the Claimant: Lowell Portfolio Date of issue: 28 July 2017 What is the claim for – the reason they have issued the claim? 1.The claim is for the sum of £640 due by the defendant under the agreement regulated by the consumer credit act 1974 for a J D Williams account with an account reference xxx. 2. The defendant failed to make contractual payments required by the agreement and a default notice was served under s.87(1) of the Consumer Credit Act 1974 which has not been complied with. 3.The debt was legally assigned to the claimant on xxxx, notice of w
  10. HI a friend of mine is trying to claim PPI from JD Williams (N Brown Group plc). That received this back from them , I have never come across this. You contacted on 14th March 2016 in connection with the payment protection cover associated with your catalogue account. You are a customer of J D Williams, which offers mail order goods and services for sale via a catalogue and other distance selling methods. The credit account has been open since 4th August 2002. Our records show that you opted to take out our Personal Account Protection (PAP formerly known as Peace of Mind P
  11. Hi All, I have a massive debt, from JD Williams, from 2011/12/13 totalling nearly £5500, spread over six accounts. At the time, they let me open constant new accounts on their partner sites, and kept increasing the limit when I reached the limit I had on each one. I have not complained to them, but still it strikes me as irresponsible. I made payments for as long as I could, but then it all just became far too much for me, hundreds of pounds a month in interest and that was without all my other massive debts. This was from a period of massive debt issues, pa
  12. Hi Guys, I seem to be in quite the similar situation to OP. I received a letter from Lowell around a month ago and called to speak to them. My account claiming I owe £323.33 for an account opened in 2009. There are regular purchases and pay offs over the next 12 months and then didn't use them for a long time. In 2012 I then logged into my account to make another purchase and suddenly noticed a huge balance, not knowing any better I paid of some of the balance, covering the cost of the goods but was arguing about all the charges. IIRC they actually dropped s
  13. Hi All So I have had some success claiming back Payday loan charges and getting things written off for irresponsible lending.. Can the same be applied to JD Williams? Currently on my credit file, I have SIX accounts in default with them, totalling around £6000. These were all taken out in the same two years, all when I had multiple defaults/loans on my credit file and they just kept increasing my limits without end. In the end I was buying stuff there to sell to pay my payday loans.. They never asked for my income, bank statements or anything like that.. But kept givi
  14. Hi all, this is the first time I have have posted on here and really could do with some advice. I have received a claim form from the Northampton CCBC on 26th September and as of yet have not been online to, acknowledge this but I intend to defend in full as I have no recollection of this debt. Name of claimant: Lowell Portfolio I Ltd Date of issue: 24th September 2015 What is the claim for: The claim is for £180.63, the amount due under an agreement between the original creditor and the defendant to provide finance and / or services and / or goods. The debt
  15. Hi My daughter received a claim form from lowell, we have acknowledged the claim form and sent a cpr31.14 request The response received is "We confirm the Claim Form was issued by the County Court Business Centre and that the Court's Protol was followed when issuing the Claimant's Particulars of Claim. Practice Direction 7C point 1.4 (3A) eliminates the requirements to attach the documents to the "Particulars of Claim when they are issued by this Court." Any advise as to what this means would be grateful
  16. Hi, I opened an account with JD Williams on 2nd April 2007. I fell into financial difficulty and couldn't continue making my payments. I know it sounds ridiculous but then I'm not quite sure if I was defaulted by them, when I got back on my feet I paid off the debt off with JD Williams which was £961 in Jan 2013. I looked at my credit file two weeks ago to find that Lowells had posted a default on 04/01/2011. I sent them an email requesting information about the account. To which they replied the account was closed with them on 21/01/2013 after
  17. Hello Everyone, I have a very old catalogue debt, I don't know the exact date of opening it, but I would say maybe 2006/2007. I only ordered a small number of goods, then paid it off, but then for some reason stopped paying. In 2010 I was getting letters regarding it, so I CCA'd them in June 2010. I have a vague recollection that they send me a blank credit agreement form and said they didn't have mine, but it would be like this. After that I don't think I did anything with it (stupid me). I have a default on my credit report from May 201
  18. I recently wrote of to akinika to settle a debt I have with them, I was a little cheeky and asked if they could reduce my debt by 70% (previous debt companies have done this with me in order to settle my account quickly ) instead of paying £212.21 I would pay £65, they sent me a letter back saying this is "not acceptable, however our client would accept £180.37" They have also asked for a breakdown of my income & expenditure which I have typed up for them, after I have paid everything out (rent, council tax, gas electric) I am left with £0 a month. I am currently
  19. So sorry to hear of the passing of Robin Williams (Through Suicide) Thank you for the laughs you have given me & my family over the years. Stigman
  20. I think this is going to be an interesting one. Over the years my wife has had various accounts with mail order catalogues and we recently did a SAR for Ambrose Wilson. JD Williams replied today to say they can confirm "...there has never been any payment protection insurance on your account...". It goes on to say they are sorting out the accountn info. The SAR said, as we always do, that she wanted details of ANY account she had had with their company. The Ambrose Wilson account was paid off in 2003 but I know she had Simply Be after that, and that one ended up with charges she disagreed
  21. After wrting to lowells telling them that I could only pay them a £1 per month due to being a pensioner they today accepted what I offered. I told them I would pay it by standing order along with the acceptance letter they have sent me a made up standing order mandate which has all there details on for the bank but they want me to put my bank details and signature to it. Now in the past when I have set up a standing order I have always took it to the bank myself. do I do that then write and tell lowells I have set it up myself or do I return the made up mandate any help on this one please many
  22. Hi wonder if someone could please advise. I have Lowell chasing me for a catalogue debt. according to my noodle report lowells are now the owner of the debt. they are saying that the start date of account was 12/4 2008 and the default was 12/07/2011 now I know this account was opened before april 2008 and I stopped paying round about dec 2008 when me and my partner separated and I was ill and couldnt work. the debt they are saying is for 2,058. I am now a pensioner living on my own and only get my pension no savings and in rented accomodation. I have
  23. Hi There, I had a JD Williams account in 2006 I cleared it the following year (07) before I moved house since then they have sent me threatening letters both from them and debt collectionicon agencies claiming that I still owe them money. My account was online and I didn't sign a CCA I believe that they acquired my new address illegally contrary to the data protection act I have written to them informing them that I cleared my account and to point out that they have acquired my new address illegally but they continue to send the letters. This has gone through several DCA's and is now
  24. Hi all I have been dealing with this old ladies debts for 5 months, when I sent in a CCA request 17/01/2014 this was not forthcoming, a letter was sent in requesting them to write off the debt off, due to being uncollectable due to no spare money,Also a complaint was sent in last week for failing to supply the requested CCA. I was very surprised to have a letter back so soon, stating a zero balance was now due. This is the quickest that I have ever known a DCA to do as much so all in all just 3 letters for this debt and success in record time.. The DCA was Robinson Way.
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