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Lowell / JB Debt Recovery - same firm or not?


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Would anyone happen to know if JB Debt Recovery is actually owned by Lowell. It looks as though they are a third party firm working as agents for the later but you never know with that most excellent of companies.

 

There's nothing on JB's website (but there is lots of interesting stuff about their business activities :shock: especially how they specialise in collecting statute barred debt). Funny how none of these firms actually name the personal names of who is running them and takes the profit.

 

Need to know in respect of a s.78 CCA request. Thanks in advance.

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Lowells do not own JB to my knowledge. Lowell, Red and Hamptons are the Lowell Group.

Need to know in respect of a s.78 CCA request.
What bearing do you think this has on your CCA request?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi. I'm helping my sister with Lowells who've been on her back for a couple of years having bought an ancient barclaycard a/c. To cut a long story short the debt is statue barred (we've strung out letters long enough to make sure the 6 years is passed and got them to admit last contact dates etc in the course of all this) but just to make double sure of unenforcebility I sent a statutory request which I doubted they could comply with as the original forms were signed in th 80's.

 

Unfortunately I sent this to JB who had moved into the collection driving seat when I think Hamptons, Red et al decided they were sick of us.

 

Am not sure if a s.78 request and all the time limits etc would bind Lowell as I sent it to JB. If JB were owned by Lowell it would I think do so as they would be an associate as defined in the CCA. Not sure if agents are likewise bound but i'm hoping you'll tell me they are.

 

The aim is once i'm sure they can't get her into court and they know this too offer them a low full and final to write it off and clear her file.

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Your CCA request still stands and the duty to supply it passes to the new DCA. In other words the account is still unenforceable. All you need to do is inform the new DCA of your original request, you do not need to issue a new CCA request.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Many thanks for that. Is this because they are an 'associate' or simply because in law they are acting as an agent of Lowell?

 

Reading through the threads on Lowell here their tactics are stunningly similar in all cases it seems. I've found them to be heavy handed on the one hand but walking a legal tightrope on the other. They certainly don't like dealing with specific questions asking reasonable questions or being reminded that they'd be accountable for their actions in court. I think a lot of what they do is simply the rubber stamping of pressure tactic letters and calls to vast numbers of individuals and only when people aided by eg.CAG challenge them do they stand back and think.

 

This site is great I wish i'd found it years ago.

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As an agent they would have to pass on your request to the creditor under s175 of the Act.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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