Jump to content

  • Tweets

  • Posts

    • @rgaineBe careful, as have read of people trying to ignore service of Bankruptcy petitions before and they have been made Bankrupt,  after the Court was satisified with the service attempted with papers posted through letterbox of known UK address.   As dx says, you will need to deal with this now
    • I honestly don't know. I contacted them in 2018 as they randomly registered a default on my file for Vodafone. They said they had information from Vodafone from the point of sale when they purchased the debt that I owed it. I disputed it and that is as far as it went.    They were going to take me to court for the BT debt too in 2018, but I settled and paid it in 3 installments. So I don't know where they have pulled this new BT account from. When I query them about it they just say it is equipment charges that I verbally agreed to. I understand I should keep creditors up to date with my current address but unless I send prospective letters to every company who I ever had any kind of interaction with it just won't happen.    I'm on the electoral roll at my current address and have been for previous addresses. My bank and other debts know where to send letters, as do Lowell in relation to another debt that I do not owe from British Gas for the same address in 2016.    All these debts are coming up to being statute barred from a period of unemployment in 2016. I still don't know what the procedure for the defense is, whether the evidence is required at the set aside hearing or the hearing after the claim is re-brought. I also need to put to the court the fact that I work for a company that's regulated by the FCA and if a review were undertaken by my employer I would lose my job that I have had for the past 5 years. There is some guidance or precedent written somewhere in the annals of legal seagulls that if the judgement has an unintended disproportionate impact on the claimant then it can be removed on the credit file. I don't know how to prove this though short of asking my boss for a letter that says that I'm going to be sacked for informing them, or how to put it to the court.    I'm not doing this to clean my credit file for a mortgage application, or for any other related reason on my credit file, just to keep my livelihood. I would happily pay the judgement and have it behind me, and would have if I had received the forms.    Also it irks me that it is fine for companies to bundle up completely different issues into one claim. What is to stop them just bulk buying 50 debts for some poor bastard and serving them with a mammoth claim. Probably the character limit at Northern Bulk. I'm not feeling sorry for myself here, I've made poor decisions with my finances and owe some debt. This is a debt that I don't think I owe and is going to ruin my life if it is found by my employer. Hence why I am willing to pay the £255 even if the CAG'ers think its a shaky application.    It has to be done seen as Lowell won't consent to it in return for a payment in full. 
    • what i mean is..Youve been a member since 2018. A lot of your issues are since then and you should have known not to ever use email by your  reading up here.   If these email exchanges were before you joining...then as i said..its another issue you have that would have benefited you coming here earlier.   As for not owing the debts or a defence to go with your n244 be very careful, there are several telecom/mobile claimform threads here that have been won or discontinued using the ofcom guidance of termination fees till end of contract are unfair etc...but once judgement has been issued any paperwork wriggles are trumped by the default ccj.  And ofcourse that still leave any airtime use or return equipment fees.    Interesting one is vodafone uk finance..was this for a new mobile phone and this was finance for it?
    • But, but, but, didn't PE insist it was "too late" to consider cancelling the charge?  🤣   Well done on your victory!  👏
  • Recommended Topics

  • Our picks

  • Recommended Topics

Lowells/Capital One


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3972 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


Start your own new thread

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



Recommended Posts

Well done HammyHound! I received the exact same Application form through the post as part of a supposed CCA response. That came along with T&Cs that any monkey could have typed into MS Word. The list of payments to the account ended in 2006 - I requested the CCA this year - July 2010.


Still in dispute - I hope my outcome is as good as yours - I'm prepared to take the whole thing through the courts if they wish to venture down that avenue. And all because their staff used bullying tactics for repayments instead of listening and being reasonable...

Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.


If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)


Link to post
Share on other sites

I wonder if DCA's can write off bad debts against tax liabilities like the banks can.


Either that or the auditors are in and going through their paperwork

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

They are a bunch of Morons, My wife got a letter from them dated 3/9/10 - received yesterday 10/9/10!!!!, They said they have bought the debt off Vanquis - in July 10 that makes it 2 months ago!!!, beats me how they bought the alleged debt because she had letters from Fredricksons and we chased them with a flea in their ear back in Jan 10, Oh, the letter that came was an A4 with a blue Vanquis logo saying they had sold the debt to Lowell and had to deal with them, but in the same envelope was a letter from Lowell saying pay up. - I wonder if they met at an M1 service station to put the 2 letters in one envelope???? I am not even going to bother my butt sending a prove it letter, I have all the proof in my file. Well done by the way.

Link to post
Share on other sites


  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...