OH HSBC credit card debt

[BRIGADIER2JCS]

Time to take the them seriously I think.

[benjibutton]

OK Brigadier

What do you suggest?

benji

[BRIGADIER2JCS]

OK benji,

 

We need to put together a formal disputeb letter to sort out Freds, this I can do but need info:

 

1. Name of the card issuer.#

2. The DCAs that have chased it.

3. Have any allged ''agreements'' been supplied?

4. Default Date

5. Date of last payment.

6. Do Lowell show as owners of the debt on credit files.

[benjibutton]

hi Brigadier

Thank You

I will pm you

benji

[oleg]

Excuse my chipping in, Benji, I see you've heeded advice to respond to Fredrickson's threat and I respect your choice. However, I'm extremely concerned to see suggestions which may prompt DCAs to feel that by merely sticking LBA on a letter, CAG users can be drawn into letter tennis.

The letter quoted is the second of a standard chain of four.

Had you ignored it you would have received next another LBA, this time on Carter letterhead and finally a discount letter from Fred's. Then it goes back to the originator - Lowell in this case.

I present this info just for others viewing who may receive the same tripe. As I said, I am not attempting to deflect you Benji from your chosen path and I understand your position, so good luck to you. I am just averse to giving these dogs bones to enjoy.

[benjibutton]

Hi Oleg

Thank you I do appreciate your point, but letter tennis gets to you! benji

[BRIGADIER2JCS]

Oleg. No one is giving any thing to Freds in this situation, it has become clear that these DCAs are becoming more and more litigious particulary Lowells who are involved here, your scenario is may occasionally occur but is not definite.

Lowells will take action themselves or get an assignee to do it for them.

[benjibutton]

Brigadier did you get a chance to look at ingfo on my pm? I know you guys are very busy so no probs if not Cheers benji

[BRIGADIER2JCS]

Yes Beji it's on my list for the weekend, my internet is very random at the moment.

[benjibutton]

Brigadier

You are a star benji

[benjibutton]

Hi Everyone OH has a completely unenforceable debt orinally with a bank for CC, been though the hands of 14 different DCAs' and keeps getting passed on. For the last 2 years lowlife keep passing it around their tame underlings - now going round for second time.My question is should I bother to reply with prove it type letters and serious dispute go aways ( which costs me postage) or just ignore or report to OFT for harrassment?

Thank You

[ims21]

Probably need more detail but as a start, when was the last payment payment made on this account or when was it last acknowledged in writing?

[benjibutton]

Hi

approx 5 + years ago. I know that lowlifes are powerless because they would have acted by now,and that pass round will increase the nearer it gets to being S.B

but don't want to rock any boats Just wondered Cheers benji

[citizenB]

How do you know that it is totally unenforceable ?

 

I am assuming that it is now with Lowells, so you need to be aware that Lowells are issuing statutory demands like confetti at the present time . They do not seem at all concerned that many of them are being set aside.

[BRIGADIER2JCS]

What stage are Lowell at with this now, Hamptons, Red or Lowell Financial?

[benjibutton]

Hi Brigadier You know this case SO well!Lowells are passing back to Glasgow doorsteppers yet again as last lot returned to them after your letter stating number of DCA's passed through

Cheers benji

[BRIGADIER2JCS]

Hi Benji,

 

When is this going to SB, as citizen B has said Lowell throwing SDs around on relatively small debt.

[benjibutton]

Hi Brigadier & ims21 thank you for sorting thread out. will be S.B. 06/14 cheers benji

[ims21]

Two threads merged and tidied.

 

Let's keep this issue to this one thread please.

[ncm-000]

... so you need to be aware that Lowells are issuing statutory demands like confetti at the present time . They do not seem at all concerned that many of them are being set aside.

 

How much does it cost a company like Lowells to issue a SD?

 

Is there a cost in getting it set aside?

 

If it is set aside can one claim any compensation for it being issued in the first place?

[BRIGADIER2JCS]

A SD has no court fee attached to it, I could write one now and given that it contains all the relevant details it is legal.

There is a cost of £45.00 if a hearing is not required (uncontested set aside) or £80 .00 if a hearing is needed, fees are

paid up front.

[ncm-000]

A SD has no court fee attached to it, I could write one now and given that it contains all the relevant details it is legal.

There is a cost of £45.00 if a hearing is not required (uncontested set aside) or £80 .00 if a hearing is needed, fees are

paid up front.

 

Thank you Brig, I presume the fees are paid by the writer of the SD.

Do we have any stats on what percentage of contested SDs Lowells or any of the other scumbags continue to press to court?

[Old Cogger]

you would pay the court fees, as stated they issue at no cost, but if it gets set aside then you would get a reclaim of cost etc. check with Brig.>?

[BRIGADIER2JCS]

The recipient of the SD pays for the set aside up front, the issue of a Stat demand may have cost for the claimant eg process servers fees.

 

The majority of the Lowell SDs we have seen on CAG have been successfully been challenged I have dealt with some recently elsewhere that have also been set aside.

[ncm-000]

So if this procedure costs the Debt owner nothing and automatically costs the debtor £45/£80 to contest why do all of them not do this it seems like a stick to beat all debtors with that costs nothing.

 

Seems extremely unfair that it cost them nothing but the debtor has to pay to defend. As I presume the debtor is in the smelly stuff if the SD is uncontested?