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Lowells/Capital One


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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)


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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

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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.

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