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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
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lowells again


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Hi all. I have a problem with Lowells and don't quite know what to do.

A few years ago I suffered a massive depression and didn't pay my credit card bill with capital one and didn't reply to letters. Capital one sold my debt on and in 2007 Lowells contacted me and said that i owed them nearly a grand. I wrote back acknowledging that i did owe the money and offered them £5 a month (I'm now on benefits) . A letter came back dated 12 april 2007accepting my offer for six months but within 4 days of that letter another came (16/04/07) asking me to contact them. As i had an agreement sorted, I didn't bother. Three more letters came (08/05-15/05&04/06/07) all with varying levels of threats of legal action which i ignored (depression setting in again) When the legal letter from Hamptons arrived I thought I had to deal with this so I rang them. I have never felt so bullied in my life. this guy harrased me into giving my financial details over the phone and i got so stressed that i couldn't remember everything i had to pay out. I ought to mention that I am registered disabled and get high rate disability living allowance (mobility) and I'm chronically sick. The guy wanted to know all my income and then pressurised me into offering £15 a month instead of the £5 i was already paying. Through all of this I was paying into their account via Barclays Bank which was okay by me.

I sent them a letter complaining about the way i was treated by this muppet and told them that all further communication would be by letter as i couldn't cope with the harrasment. No reply. all went well until January this year when they sent me a letter saying that i had to set up adirect debit with them. i sent a letter back saying no as they would be able to vary the amounts taken. More threatening letters. In may and june they sent me standing order mandates which i filled in and sent back. Unfortunately My bank account does not do standing orders so I contacted Lowells and told them so. they replied saying they would put my account on hold an contact me in due course. since that time i have sent them 4 postal orders as my monthly payment and 3 letters asking them to allow me to pay via the bank as postal orders cost more than the bank. Have i had a reply. have i heck. In my last letter i said that if they do not reply this time i would hold my payment back and seek advice but I'm not sure if that's the right thing to do.

Im sorry if this is long winded but it helps to get it off my chest. With the increase in my outgoings due to the economy I'm finding things a struggle so my questions are: Are lowells allowed to take into account my disability living allowance when working out how much i should be paying: Are they allowed to ignore letters sent to them and: I want to reduce my monthly payments to a level i can afford. My outgoings a high because of my health and mobility problems.

Just a foot note. I also have a debt bought by cabot and i have had no problems with them at all.

Many thanks in advance

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WOW! I only posted my thread a few minutes ago and what a response. I will follow all the advice and let you know how i get on. many thanks:)

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Well I did it. I posted the letter as advised by ODC and sent it by recorded delivery and included the postal order. Let's see how long it takes them (if at all) to reply.

I wish I knew of the rights I have before I replied to lowells. The stress would have been less that's for sure. I wouldn't be as grey as i am now:rolleyes:

one thing though. does the fact i have been making payments to them mean that i accept i owe this money? Would that go against me if it got to court. Is it worth writing to the trading standards and the financial ombudsman yet or wait to see what comes from lowells?

Thanks for all the replies. It's great to know you're out there

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hi again folks. Seems like I have started a bit of a hot potato on this. So long as you all accept that there are different opinions and that it's not personal then that's ok but please don't fall out on my account.

ALEX. I read your story. true, it was long but well worth it in the end. I'm happy you got your problem sorted but did they pay up? I hope my case results in a satisfactory conclusion.

I'm one of the old school where I accept responsibility for my actions but, when my depression sets in i cannot function well and i ignore things to my cost but I'm also belligerent and when companies start to behave like big brother, it really gets my goat.

A while back my local council said i owed them money when i knew i didn't. It took 4 years from start to finish and included the local government ombudsman before the council admitted defeat and i got compensated. This is just to say that when i have my sod em head on, beware, I am patient and I'll take it all the way.

I will use all the great info given to help my case.

thanks again

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Oh how i wish i was as nutty as some of you (you know who you are:D)

Think i might have dropped a booboo. I signed my letter before i read that some DCA's photocopy signatures. I'll just have to wait and see what comes out of the woodwork. By the way. Morning all!

As i mentioned in my first post, I have another DCA on my case (Cabot). Would it be worth checking with them that they actually have the legal right to chase me? Also, it was mentioned that I complain to trading standards. Isn't it a bit too early for that? I know that the more ammunition TS have the stronger the case could be.

OO-er! just had a random thought (I am a bit random at times) Wonder if I could use the freedom of information act to find out exactly how much lowells paid for the debt. If i could and it was less than they've already gotten from me, couldn't i say that they've already got their money back? I know there's not much chance of that but i did say i was a bit random. Since yesterday my tryping skills have got better:rolleyes:

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Hi all again.

I have spent the last 6 (yes SIX) hours reading other peoples horror stories and besides having a square backside i notice that a lot of them had notice of assignments sent to them.

One of the things i didn't mention in my first post is that i left my old address in 2003 and did a lot of moving around (2 months here, 3 months there) so consequently didn't receive any debt letters until i managed to stabilise my life and settle down last year. Would those NOA letters have been sent by recorded delivery and what would happen if I was not there to sign for them?

If the NOA was not properly served then do lowlifes have the right to be chasing me?

I've been reading lots of other posts about lowells and cabot and it does seem they are a bunch of shysters and my piffling problems are nowhere as complicated as theirs. To be honest, I hope it stays that way cos if my case goes T*Ts up I worry that my depression will come back more.

BTW my cca request was delivered on saturday (18/19) so if i don't get a reply by a week on saturday I'll know I have a stronger hand

Thanks to all the posts received so far

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Morning folks.

Well i got the first reply from lowells in 3 months and it's the CCA acknowledgement with, from what I've been reading, the usual guff about contacting from OC to get info and their own get out clause about if they cant get it within 12 days that they'll let me know.

 

My letter to them was sent on 16/10 and delivered 18/10. their letter was dated 21/10 and received today 25/10 so obviously TNT post don't follow the same procedures as Royal Mail.

 

Just a quick point. If they got it Saturday 18/10, does the 12 days start from the monday 20/10 (Eg not including weekends) or are the weekends counted in the 12 days??

 

fox

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Thanks for the info.

I've downloaded the form but you're right when you say it looks like it's for "third party" users. I've kept it should i need to go down the debt advisors route (doubt it with all you guys)

 

Should anyone post on my thread and i don't reply, it's because I'm not too well that day but i will reply eventually

cheers

fox

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Hi all.

How's this for me being ridiculous. In my last letter (not the CCA request) i threatened to stop paying if they didn't reply. Obviously they didn't so I followed through and didn't pay this month so WHY DO I FEEL UNCOMFORTABLE about it:???:.

 

It's been two weeks since Lowells got the CCA request and nothing yet. If my maths are right and not taking into account weekends, they'll be in default by next wednesday.

 

I know they won't phone me as they don't have my phone number:grin::grin: BUT Cabot do. Has it ever happened that one DCA contacts another to find out phone numbers?

 

I went and bought i digital dictation machine with the money i was going to send them( I couldn't afford a proper recording device) I have speakerphone on my home phone so if they do manage to get hold of my number I'll be ready for them

.

Mind you, the longer they take, the more chance they haven't got my CCA.

 

Can anyone point me in the direction of the photobucket tutorial please.:)

I'll keep you updated.

 

fox

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Can anyone point me in the direction of the photobucket tutorial please.:)

I'll keep you updated.

 

 

afternoon all,

Ignore that bit. I found a step by step guide so I'll use that once I have something useful to post.

 

fox

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Morning all.

I'm sorry if I'm being a bit pushy but I'm still confused.

 

Lowells got my CCA request on Saturday 18/10. Are they in default?

 

I've had conflicting advice about time limitations so I don't know who's correct

 

Any confirmation gratefully accepted.

 

fox

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Hope this works

Edited by silverfox1961

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YAY, did it. That was easier than i thought.

 

Got this half an hour ago.

Do you think they can't get my CCA?

 

Resolve in an amicable way. after the way you treated me. Go forth and multiply in jerky movements at the rate of two, three

 

Just how Am i supposed to get £300 odd quid to them by tomorrow.

 

All I can say is bring it on:-D

 

fox

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After a minor mishap, I tried again. (THANKYOU ODC)

 

fox

 

 

cancel that. some thing went wrong

Edited by silverfox1961

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oops

Edited by silverfox1961
document shows too much

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Try yet again!!!:evil:lowellsletter.jpg

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That took a while to get sorted.

 

fox

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LOL Huggy

 

You never know they might have an archive.

 

Once their time limit is up, do i send the "account in dispute" letter and if so is that by recorded delivery too?

 

I'm worried that if they can't find the CCA then they'll send it back to CAP1 and they'll start chasing me.

 

fox

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Thanks huggy. Officially their time runs out tomorow night so the letter will be posted on wednesday. I'm not waiting on them.

 

So it was you who did the video. I saw it once but then lost the link.

 

someone else did a step by step guide which i followed and it worked but i left some identifying material on it so i tried various ways of editing it and failed. The only way that worked was to delete the letter from within the post then go to photobucket and reload it but it kept putting up the original one. I ended up going into my own saved image, renaming it and reposting. that did it.

If there is an easier way to edit, could someone let me know

Ta muchly

 

fox

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ARRGGGHHH! I'm going mental!:confused:

 

I have seen somewhere on here an "account in dispute" letter to a DCA where they have failed to provide the CCA in time. The only one i can find is where they've only sent partial details. I'm not clever enough to write my own and I'd like to "borrow" someone else's;)

Any help appreciated

 

I've been having random thoughts again (I know, not good for me)

If i were to complain to the financial ombudsman and they investigated Lowells, it costs them £450+. As the full and final settlement they want me to pay is just over £300 could I not just throw back at them that if they don't drop this case, I would go to the FOS, costing them more than they would get back.

I know it's a useless idea but I do like to throw them out occasionally:)

 

fox

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Thankyou fiftypence. That's the one i was looking for.

 

I want to send the letter for my own peace of mind and to put them on notice that I'm sick of their BS. I'm going to ask for a copy of their complaints procedure too.

 

thanks again

 

fox

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Thanks for your comments.

Now i'm in two minds about sending the letter so I'll hold off for a few days to have a good think. I'll wait for them to contact me again (they're bound to-eventually)

 

I'm just worried that once they do find it they hit me for the full debt and maybe take me to court. I know that's not such a bad thing but due to my illness , I can't guarantee to be fit enough to attend court and i can't afford a brief.

What about a complaint to the FOS though. Do I have grounds or am I jumping the gun?

 

My brain hurts!!:rolleyes:

 

fox

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Thanks again fiftypence.

You have convinced me. I'll keep a low profile for now and wait to see what the post brings.

 

The only asset is my car and as I'm registered disabled, they can't have that either.

 

If they start pestering me again without a CCA then the letter you provided will be used. I feel a little less stressed now.

It's great to have people like you around to advise me. I think a few tickles are in order to you and ODC

 

fox

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Morning all (looks at watch, yup still morning-just:D)

Got another letter today and ODC has it spot on so far (see post 25)

 

lowells11novedit.jpg

 

I'm a bit disappointed that they haven't reduced the F&F but I'm not that fussed. I don't mind paying the debt BUT at a level I can afford. If they do find the CCA(however unlikely) then at least with the template letters on here, I'll be able to attack instead of defending.:)

 

fox

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Funny about the last letter (30/10/08) when they offered me the F&F settlement. they gave me 24 hours to agree but on this one they still have it open???:D

 

fox

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