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konakona vs Lowell (HSBC)


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This is my 1st verses thread so please feel free to tell me if I go wrong!

I have started with this one as it seems like it might be a pretty cut and dry case!

 

Background

I had a bank account with Midland bank (now HSBC) back in the 90's, which if memory serves correctly, I closed in 98-99 (last card I had had a griffin on!)

I'm 99.99% certain I did not have a overdraft /direct debit or any other credit type things on the account. (or that any debt of any kind exists!)

 

Whats happened

I have heard absolutely nothing since the account was closed, untill 6/9/07 when I received a letter from Lowell Portfolio 1 LTD, saying they have bought the debt on 6/8/07 from HSBC bank plc and that Lowell Finanicial LTD has been appointed authorised collection agents for the debt. The debt is for £260 but I really can not think of what it could possibly before!

So far I have only received this one letter which I have ignored.

 

The letter was sign by Nigel Beaven, seems like he is a well know character to the CAG!

(it is the nicest letter I have ever recieved from a DCA! No mention of court/balliffs/ or even credit ratings:eek: )

 

 

I think this is probably a clear case of statute barred!

So I was planning to send them letter M on monday.

 

However I am a bit concerned that this debt does not exist and has never done!

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Welcome to the thread Fuzzgin! (great name!)

 

So there is more than one Beaven at Lowell then, family business perhaps?

 

I'm going to address the satute barred letter to him personly and see what he makes of it!

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20 years:eek: Dont think my cat will live that long! He likes starting fights, and then runs away as fast as he can when they fight back! (p@#@y in every sense of the word!)

 

Just been googling lowell and a lot of stories are coming up with them chasing none existant debts.......

Going to have a good read though the lowell threads on here tonight, getting the impression there is something rotten go on here.......

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I think mine was Nigel Beaven. Have fun with the Statute barred letter. I wish that I could be a fly on the wall when he gets it.

 

I've named myself after my old cat, she was Fuzzgin. Lived for 20 years and loved a good scrap.

 

Sounds like a cat we once had - got named after the result of a football match between Chelsea and West Ham - family decided you couldn't call a cat West Ham so the cat got called Bubbles after their song - he was a real soccer yob too, always coming back from a fight with bits missing.....

 

Lowells sounds like a pshing letter, if they haven't contacted you again by now I would ignore any further letters from them.

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Hi Sillygirl!

 

Do you think it would be worth reporting them to someone if they are just pishing?

If they are just sending out ramdom letters like this then surley it must be very illegal?

Also very concerning that they must have found out that I did have a bank account with HSBC (midland as it was back n them days!)

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If their next letter asks you to confirm an old address and says "If we do not hear from you we will proceed as normal with the collection of this debt" then they are pishing...

 

Lowell and Mackenzie Hall specialise in buying old debts which can't be proved or are nearing statute barred status. I would go ahead and report them to their local Trading Standards as they are building a file on this lot.

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Oh dear.

I'm surprised you haven't had a letter from RED debt as they tend to be the name used for "iffy" debts like this.

As already mentioned, throw a Statute Barred letter at them and make THEM prove it isn't !!

 

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter M.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

IF they ignore this and still demand payment then throw a report to Trading Standards.

Be VERY careful whose advice you listen too

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Funny you should say that curlyben, I was just looking at a letter from red chasing another debt, and noticed the address is the same as lowell!

 

Having just picked it up again, can now see its signed by none other than Nigel Beaven Himself!

(wonder if Lowell know he's moonlighting!)

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Are scotcall part of this lovely family as well?

 

Just going though the letters for another debt and they go:

Hampton

scotcall

lowell

red

 

The address for scotcall but thought it strange that they passed it out of their company, then back again

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Good luck KK

 

You are getting good advice and doing the right thing, I had coffe with a old work collegue last week he said that he had cancelled a holiday because he had recived a simiar demand from the RED people and just sent them a cheque he works in insurance and cant afford a bad credit record.

 

Needless to say I pointed him in the direction of this website I hope he gets his money back.

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Thanxs for the suppot debtsurvivor!

Hope it all works out for your mate!

 

Slightly off thread kinda, but it my own thread and I dont mind......

 

Just going through all the paper work I sorted out today and spotted something susspicous

We have been paying off a debt for about 4 years with robinson way for the Arcadia group, asked the missus what it was for (shes handles the accounts) and she replied currys.

Diddnt sound right, so done a bit of googling and can find no connection between arcadia and currys, whats more I have never had any dealings with any of the companys listed as part of the arcadia group:eek:

 

really worried now as this is the only debt which has come down!

Managed to clear just over half of it!

 

Does anyone know of any connection between currys and arcadia or credit lenders they use?

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The First Rule of DCA Baiting:

 

NEVER talk to these "people" on the phone as they will try and get you to agree to anything.

 

Before you even think about making any sort of acknowledgement or payment (or continuation) to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Executed Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

 

It is best to send this request via recorded/special delivery as there are some important deadlines to observe.

 

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has committed a summary criminal offence and the matter should be referred to Trading Standards for action once the DCA continues to demand payment.

 

I hope this clarifies some things.

Be VERY careful whose advice you listen too

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Thanks curlyben!

Never knew about cca requests ect... before I found this site!

 

I'm going to cca robinson way on this 1st thing monday morning, do you think I should send a SAR request as well?

I really really want to know what it is we've been paying all these years....

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Thanks curlyben!

Never knew about cca requests ect... before I found this site!

 

I'm going to cca robinson way on this 1st thing monday morning, do you think I should send a S.A.R - (Subject Access Request) request as well?

I really really want to know what it is we've been paying all these years....

 

Not at this stage,a sar comes later

 

establish if the debt is enforceable first IMHO

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Thanks for the advice curlyben & pt2537!

 

I'll get the cca off on monday, after reading diskmandaves thread I was'nt sure if they would bother replying!

 

I'll get a new thread started on monday to deal with that one!

Originly I wasnt going to bother hassling that debt, as I say it is the only one that we've made any progress on!:rolleyes:

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ANY and ALL DCA's should be put to strict proof that they can legally collect on a debt.

Doesn't matter if you have been paying it or that you recognise it.

They MUST prove everything is legal and above board.

 

Ps I assume you have read the rest of my signature especially my personal DCA score ;)

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Be VERY careful whose advice you listen too

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"Ps I assume you have read the rest of my signature especially my personal DCA score"

I had'nt, but will do straight away!

 

I'll take your advice and cca all of them on monday, feel sorry for my poor old printer already! LOL

 

Thank you for all you help curlyben your an absolute star:D

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Curlyben (the dca slayer!)

 

WOW!!! WHOOOO!!!! BRAVO!!!!!:D

 

Had a good read of your adventures last night, very VERY impresive!

(now I've got an image of you as a cowboy riding down a high street on a white horse, challenging banks to a duel at high noon, while the bank managers dive behind their desks for cover! LOL)

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Erm .. that's a monkey riding bareback going "ook, ook".

 

:p

 

No wonder they were scared though - a monkey with that degree of litaracy!

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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My banks not scared of literate monkeys, they activley employ them!

(keeps em off the street writting parking tickets lol)

 

 

Right got the statute barred letter in the post by recorded delivery with

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

slapped accross the top in big bold letters!

 

Just a case of wait and see.....

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