Jump to content


lowell and Barclaycard Debt


23sopwith
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5741 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

im relatively new to cag

ive dropped a "clanger" with the above

i spoke to them

even worse i believed them

i agreed to a repayment plan regarding b/card however lowell have been taking wrong amounts out of account

my debit card expired got a snotty letter off them

agreed to pay them by dd.

never got a letter from them regardin dd guarantee. as they promised

so stopped dd

this all happened before finding this site.

in retropepect would never have dealt with it this way

 

today received a letter from them stating that my agreed dd had been returned from bank due to insufficient funds.

this is totally incorrect.

am i too late to cca them and also ask for a copy of the notice of assignment

bye the way the letter is yours sincerley andrew bartles

surely an act of defamation has been made not only to me but my bank

 

:confused:

Link to post
Share on other sites

Hi, 23sopwith.

 

You can CCA them at anytime.

Letter 'N' in the templates library is the CCA request........

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Start your own thread in the Forum 'linked' below.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/

 

You should get the help you require.

 

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

originally posted elsewehe on sit

 

ive dropped a clanger with the above

i spoke to them

even worse i believed them

i agreed to a payment plan regarding debt to b/card bit lowell started taking amounts they werent entitled to.

my debit card expired hence got a snotty letter from them

i agreed to pay by dd

never got the necessarry from them re dd guarantee so stopped the dd

got a letter today stating that my bank had returned the dd do to lack of funds.

totally incorrect.

in retrospect i wish id found this site before i did as i would never have dealt with avove.

 

my question is

1. is it too late to cca them

2. can i request a copy of letter of asignment

3. what do i do next

 

 

 

:confused:

Link to post
Share on other sites

No a debt can be disputed at any stage...do send the CCA request ASAP... - send it by recorded delivery, do not hand sign it and send it with a £1 postal order...

 

They do not have to provide a letter of assignment with regards to the contract they have with the original creditor, however if you SAR'd the original creditor and specifically asked for any default letters, statements etc...they should have written to you saying that the debt will have been passsed to Lowells.

Link to post
Share on other sites

  • 4 weeks later...

since my last posting on the above kindly ansered by 42man

cca lowell no reply as yet

they have however tried once again to take money from bank it was returned by bank (no d/d guarantee)

once again lowells state lack of funds for reason for return

further theyve threatened court action.

im minded to let them take it as when i defend; their 2 defammatory letters

can be entered into public demain as they will be requested under the disclosure rules therebye leaving themselves open to a counter claim under the libel act.

any comments

Link to post
Share on other sites

since my last posting on the above kindly ansered by 42man

cca lowell no reply as yet

they have however tried once again to take money from bank it was returned by bank (no d/d guarantee)

once again lowells state lack of funds for reason for return

further theyve threatened court action.

im minded to let them take it as when i defend; their 2 defammatory letters

can be entered into public demain as they will be requested under the disclosure rules therebye leaving themselves open to a counter claim under the libel act.

any comments

Have you actually cancelled the Direct Debit with your bank 32sw?

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

Link to post
Share on other sites

further to my recent postings about the above

lowells are not in a postion to offer payment option ie. direct debit

they are not members of d/d scheme

be carefull i spoke to them and they "set up" a direct debit

theyre not allowed to

 

Mmmm thats strange. I have several letters from them where they have asked me to set up a dd to pay them.

 

Have they replied to your CCA yet

Link to post
Share on other sites

DO NOT PAY VIA DD. They can take what they want, when they want. Ask for SO details if you still want to pay them.

 

Have you recieved anything re: your CCA request from them yet?

 

Oops...Didn't see ODC had asked about the CCA

Edited by babybear39
must learn to read postings properly...nawty BB
Link to post
Share on other sites

no havent heard anything yet

did lowells send you a copy of the d/d guarantee cos if they did id check its validity see bacs sight

althoigh lowells wouldnt do anything naughty would they

go to Bacs corporate homepage type in direct debit logs itll show you correct logos and incorrect logos

Edited by 23sopwith
needed to add a bit on
Link to post
Share on other sites

no havent heard anything yet

did lowells send you a copy of the d/d guarantee cos if they did id check its validity see bacs sight

althoigh lowells wouldnt do anything naughty would they:smile:

If Lowells have not managed to produce a valid CCA then do NOT make any more payments to them. If they send you any more begging letters without complying with your CCA request you must report them to TS.

Link to post
Share on other sites

hello again

ive just been mulling through an old copy of stones justices manual

if ts only tell the likes of lowell off and they continue to try to take monies

from bank accounts isnt it fraud by trying to obtain an advantage by deception.

id love to stick that in there pipes and let em smoke it:x

Link to post
Share on other sites

  • 2 weeks later...

just had aletter from lowells today

acklowleding my request for cca

they were supposed to have bought the debt it appears now that they havent.

they say theyve written to the original lender to request a copy of the agreement and hope i will understand that it might take more than the required 12 days

please ring if ive got any queries direct line number this time. (fat chance of me ringing them)

are they just stalling cos they havent got the agreement and hoping ill do nothing

Link to post
Share on other sites

They always CLAIM to have bought the alleged debt yet when asked for a CCA have to refer to their'client'.

 

Obviously they tell so many porkies that they end up confusing themselves or else they suffer from delusions of grandeur combined with crass incompetence. Looks like they want another appearence on THe One Show.

 

 

What will happen in the next week is that you will get a computer generated begging letter from Leeds stating that they have passed your request on to their clients but they (Lowells) are prepared to offer yo a fantastic 60% discount if you cough up in three days without a CCA. If you wait until they get the CCA which they are supremely confident of getting then they will want paid in full.

 

Total hogwash of course on Lowells part

Link to post
Share on other sites

  • 2 weeks later...

guess what

the letter from lowells arrived today exactly as was stated in previous reply.

shall i just leave things or start putting pressure on lowells

incidently it further states that their client b/card have requested it beretrieved from archive

me thinks lowells are telling pork pies

Link to post
Share on other sites

Just wait to see if they send you anything to your CCA request.

  • Haha 1

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

guess what

the letter from lowells arrived today exactly as was stated in previous reply.

shall i just leave things or start putting pressure on lowells

incidently it further states that their client b/card have requested it beretrieved from archive

me thinks lowells are telling pork pies

Dont worry. Next week they will send you a letter offering 60% discount. Dont be fooled. This is yet another Lowells CON trick. It just means that they KNOW they havent got an enforcable agreement

Link to post
Share on other sites

  • 2 weeks later...
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...