12 days up for lowell

[Dorabell]

another search on my credit file thats 5 in last few months they haven,t updated for 6months whats that all about?

[The GodMother]

Still having problems l see dora. Well these unrecorded searches people cant see so thats good but still annoying.

[Dorabell]

Still having problems l see dora. Well these unrecorded searches people cant see so thats good but still annoying.

 

hi GM yes still having problems i can,t understand why they keep searching and not updating the account they have alledgley brought they have not updated for 6months:roll:

[BRIGADIER2JCS]

The searches are to check if an

individual has taken on any new

accounts or have any debts showing

on reduced payments etc.

[The GodMother]

Exactly as Brig has said. New debt and it being paid fully each month will show money even if the account is in dispute.

[Dorabell]

thanks both:-)

[Dorabell]

Hi all, automated calls from hamptons daily saying this is an urgent message for mrs dora to ring them as soon as possible:roll:

[BRIGADIER2JCS]

Hi all, automated calls from hamptons daily saying this is an urgent message for mrs dora to ring them as soon as possible:roll:

 

And you of course replied NO CHANCE:madgrin:

[Dorabell]

:lol:

[citizenB]

Hi all, automated calls from hamptons daily saying this is an urgent message for mrs dora to ring them as soon as possible:roll:

 

Are they using that bliddy SMS text messaging to landlines?

 

http://www.zyra.info/bt-txt-ctrl.htm

[Dorabell]

Are they using that bliddy SMS text messaging to landlines?

 

http://www.zyra.info/bt-txt-ctrl.htm

 

Hi CB yes they are useing the sms text messaging to my landline saying this is important that i should ring today thats neally every day:|

[BRIGADIER2JCS]

Too many of these SMS to landlines

most of the industry seems to have

cottoned on to it,even my bank is using

it.

[Dorabell]

Too many of these SMS to landlines

most of the industry seems to have

cottoned on to it,even my bank is using

it.

 

Hi briggs i am registered with tps to stop these calls not doing any good thou:|

[BRIGADIER2JCS]

Hi briggs i am registered with tps to stop these calls not doing any good thou:|

 

I know Dora, there seems to be no way to stop them,

advertising/marketing/insurance companies it's gone wild.

I don't have an answer.

[Dorabell]

shocking ain,t it:|

[BRIGADIER2JCS]

shocking ain,t it:|

Sure is I've had two this evening re my car insurance

renewal.

[rockwell304]

Sure is I've had two this evening re my car insurance

renewal.

 

Interesting! I've just completed a couple of searches on comparison sites re car insurance renewal. I specifically ticked the box forbidding any contact.......the result, several of these messages on our landline. We also have TPS and the mail equivalent but this is obviously ignored.

[BRIGADIER2JCS]

Interesting! I've just completed a couple of searches on comparison sites re car insurance renewal. I specifically ticked the box forbidding any contact.......the result, several of these messages on our landline. We also have TPS and the mail equivalent but this is obviously ignored.

Two more calls re insurance, we have had TPS for nearly 5 years and it has not

had any real effect.

[Dorabell]

Hi all another letter as arrived to day:roll:here goes

 

Dear madam

 

IMPENDING LEGAL ACTION

we are Hamptons Legal the litigation department for lowell financial ltd .We have ben instructed to recover an outstanding debt that you owe which originated from an agreement you had with capital one We note that lowell financial ltd have offered you on a number of occasions the oppertunity to enter into a payment plan so that you could clear this account but have decided not to take up the offer

 

WHAT IS THE REASON FOR NON-PAYMENT:roll:

We know of no reason why this debt should not be paid and can only assume you simply have no intention of paying it back We therefore assessing your account to decide what action to take(they said this in the last letter they sent me in december)as you are an homeowner (yes joint) it is very likely We Will apply to county court for an judgment (that was said in the letter before) against you ordering you to repay the outstanding balance if you continue to refuse to pay WE WILL consider the following:roll:

Applying for an attachment of earning order which IF granted would allow us to recover the balance in instalments directley from your salary or applying order which IF granted would secure the debt against your property (joint) or issuing a pertition to the court for bankruptcy

YOU NEED TO SEEK ADVICE

Unless you call and pay off your debt or set up a payment plan We strongly recommend that you seek professional advice so you gain a full understanding of what the above courses of action may mean to you as both could have serious consequences

AVOID FURTHER ACTION

to avoid any further action gainst you please call us on xxxxx and discuss repayment plan We will agree to a monthly arrangement WE MAY EVEN AGREE TO A

DISCOUNTED AMOUNT TO SETTLEMENT

yours faithfully xxx head of legal compliance hampton legal

 

what do you think all, any one new to this could get really frightened at the tone off this letter:|

[AndyOrch]

File

 

Andy:wink:

Edited March 19, 2012 by Andyorch

[Dorabell]

:flypig: File

 

Andy:wink:

 

Hi Andy your comments make me smile i have got to get another folder lol:roll:

[Halibutt]

Hi Dorabell,

 

Interesting that they started their letter with, "We are Hamptons Legal the litigation department for lowell financial ltd" - previously, they've not made it clear to debtors that they are one and the same company.

 

I've made complaints about their deceptive practices in the past (Lowell, Red, Hamptons - all the same) regarding their attempts to make people believe they are separate entities and therefore more threatening - and am going to report them to the regulatory bodies relating to letters and phone calls received. After four written requests, three verbal, another by email and one directly to James, their CAG representative for a copy of their complaints procedures, I've been ignored.

 

Please report them - do the same as others and complain about them to OFT, FOS etc. - there's a n ongoing investigation as to whether they're fit to hold a licence and any little helps!

 

Best of luck

 

H. x

[Dorabell]

Hi Dorabell,

 

Interesting that they started their letter with, "We are Hamptons Legal the litigation department for lowell financial ltd" - previously, they've not made it clear to debtors that they are one and the same company.

 

I've made complaints about their deceptive practices in the past (Lowell, Red, Hamptons - all the same) regarding their attempts to make people believe they are separate entities and therefore more threatening - and am going to report them to the regulatory bodies relating to letters and phone calls received. After four written requests, three verbal, another by email and one directly to James, their CAG representative for a copy of their complaints procedures, I've been ignored.

 

Please report them - do the same as others and complain about them to OFT, FOS etc. - there's a n ongoing investigation as to whether they're fit to hold a licence and any little helps!

 

Best of luck

 

H. x

 

[Dorabell]

well folks another letter arrives today here goes

 

Dear madam

YOU ARE LEAVING US WITH NO CHOICE

it is disappointing to note that all our efforts to help you clear this account seem to have failed.

We are now preparing to take legal action against you in respect of the debts that you owe to Lowell Portfolio I Ltd

the legal action we MAY take is to make an application to the county court for a judgment (ccj), or we MAY issue a statutory demand which, IF granted, would have serious consequences and the possible issue at court of a petition for your bankruptcy

WHAT BANKRUPTCY COULD MEAN TO YOU

if you are made bankrupt it could result in an official receiver or an insolvency practitioner being appointed to investigate and manage your financial situation.you could lose any rights to assets of value you have such as your home (joint) you MAY have your bank accounts and credit cards closed:-) and you could be prevented from running your own business:-)

if you are unsure of the consequences of bankruptcy we strongly recommmened you to seek advice from a solcitor and visit the official receivers website

BANKRUPTCY

if after receiving a ccj you still refuse to pay WE could make an application for an attachment of earnings order were monies would be deducted directly from your salary by your employer to replay the balance in stalments WE could alternatively apply for a charging order where the debt you have with us would be secured against your property Failure to comply with a ccj or to satisfy a statutory demand could allow us to petition the court for you bankruptcy

AVOID FURTHER ACTION

To avoid legal action WE would be willing to accept a monthly instalment of £50 until this debt is repaid please call us today on to set up the repayment plan or go to www.lowell.co.uk to set up a monthly direct debit If you cannot afford this amount please call us to discuss an amount that you can afford each month WE will work with you to agree the best solution and to avoid legal action but you need to call us urgently on

 

yours faithfully

sqiggle signature

stephen hunter

head of legal compliance

hampton legal

[AndyOrch]

Just remind me Dora how much is this debt for (ballpark)?

 

Regards

 

Andy