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blackgloves

Lowell Finance - What nasty people

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I answered the phone today and Lowell was on the other end, damanding i pay, and saying that i have six other catalouge debts - which i think i do. When i said i would be unable to pay, and that i was on JSA, i got a bit tetchy saying i didnt have a magic wand. I then asked for the agreements, and he said he would send out statements and that if they did that i would have to pay it in full. I was like, well ive offered to set up an arrangement to suit my income needs when ive seen the total of debt i owe, and he was like no, it does not work like that. The he said he was going to do a credit check and something else check something, so intimidating, but im ok.

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Dont speak to them on the phone. If they call you refuse to answer their security questions.

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I haven't seen an enforceable catalogue agreement yet.

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I answered the phone today and Lowell was on the other end, demanding i pay, and saying that i have six other catalouge debts - which i think i do. When i said i would be unable to pay, and that i was on JSA, i got a bit tetchy saying i didnt have a magic wand. I then asked for the agreements, and he said he would send out statements and that if they did that i would have to pay it in full. I was like, well ive offered to set up an arrangement to suit my income needs when ive seen the total of debt i owe, and he was like no, it does not work like that. The he said he was going to do a credit check and something else check something, so intimidating, but im ok.

 

Hi Blackgloves

 

First thing is don't worry, you have come to the right place:D.

I too have had threats from lowlife [ Lowell] but try & read as much as you can on here & if your not sure about certain legal aspects then someone will point you in the right direction.

 

Someone with a good working knowledge will be along to offer you guidance on how to deal with them.

 

Good luck

 

Middxx

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Have you had anything in writing from them yet?


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I answered the phone today and Lowell was on the other end, damanding i pay, and saying that i have six other catalouge debts - which i think i do. When i said i would be unable to pay, and that i was on JSA, i got a bit tetchy saying i didnt have a magic wand. I then asked for the agreements, and he said he would send out statements and that if they did that i would have to pay it in full. I was like, well ive offered to set up an arrangement to suit my income needs when ive seen the total of debt i owe, and he was like no, it does not work like that. The he said he was going to do a credit check and something else check something, so intimidating, but im ok.

was the other check....AFP CHECK?:D

 

SAM:pLOWELL DETESTER


SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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"What Nasty People"

 

That is the understatement of the Century!

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"What Nasty People"

 

That is the understatement of the Century!

 

Lowell have been getting a well deserved battering over the last few months, aided and abetted by their dismal level of competence.

 

I suspect it's getting a little fraught over there.:D:D

 

David

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Hi there, glad you have realised very quickly what a nasty shower this lot are. Are you a house owner, it may have been the land registry they were going to check.

 

May I suggest that as and when you hear from this lot on individual cases, that you start new threads on here for each. As has already been said, not likely that they will have an enforceable agreement for any of these catalogue accounts. Remember they tell lies and untruths to try and frighten you into making a payment - glad that you stood up to them.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Hi there, glad you have realised very quickly what a nasty shower this lot are. Are you a house owner, it may have been the land registry they were going to check.

 

May I suggest that as and when you hear from this lot on individual cases, that you start new threads on here for each. As has already been said, not likely that they will have an enforceable agreement for any of these catalogue accounts. Remember they tell lies and untruths to try and frighten you into making a payment - glad that you stood up to them.

 

Agree here, they are very persistant so what advice you given on CAG you MUST stick to (how ever long)

they WILL go away eventually (I know :) )


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I answered the phone today and Lowell was on the other end, damanding i pay, and saying that i have six other catalouge debts - which i think i do. When i said i would be unable to pay, and that i was on JSA, i got a bit tetchy saying i didnt have a magic wand. I then asked for the agreements, and he said he would send out statements and that if they did that i would have to pay it in full. I was like, well ive offered to set up an arrangement to suit my income needs when ive seen the total of debt i owe, and he was like no, it does not work like that. The he said he was going to do a credit check and something else check something, so intimidating, but im ok.

 

send a cca request to Lowell with a £1 postal order and post on here what comes back, minus personal details


post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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send a cca request to Lowell with a £1 postal order and post on here what comes back, minus personal details

 

Whilst I would agree with you BUT we are talking about a DCA here, we ALL know that if 1 dca gets no where it will be passed to another and so on till it goes round the block and back again.

 

The route I would (personally) do is to CCA the catalogue directly (the root) this way you can force catalogue to comply where DCA would just pass it on to some 1 else, tell lowells that is in legal dispute and you have contacted catalogue direclty.

 

My point is it gotta be sorted out at the root because we know DCA's DON'T listen to us and just put us on ignore and continue with their meaningless threats.


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Ah thank you people, yes it was a Land Registry thing (gosh what a day its been!). Thankfully this is council rented. To paraphrase the call i had:

 

Shaun : Hello

LW : Security, and then blah blah, can you pay today

Shaun : Well i've been unemployed for about two months

LW : But you've made no attempt to pay before that

Shaun : Well i've had other matters to deal with, surviving on very low income, being a student, health etc.

LW : Well what can you pay today?

Shaun : Nothing i dont get my JSA until next week

LW : Well its not good enough blah blah

Shaun : I don't have a magic wand...

LW : After this phone call ill be doing a credit check and land registry thing

Shaun : Oh really, well i dont give you permission to do that

Disagreements...

Shaun : I request that you send me out the agreements that i signed

LW : Well what is their dispute, you admit that you owe them

Shaun : Just send me the statements

LW : If we do that you will have to pay them in full as you are clearly avoiding to pay it

Shaun : How dare you, im in financal difficulty, ILL see what i owe in total and get back to you

LW : Blah blah blah, goodbye.

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BG,

Although I don't have dealings with these people, at least not yet, I always ask them to slow down and then request their name as I want to record the call and want to make sure that it is recorded correctly.

 

At that point 9 times out of 10 they put the phone down but if not you start to have real fun like

 

Ok What is your name?

caller: John Smith

Ok and how do you spell that John?

OK is that JON?

etc etc

 

BTW the recording is a pen and paper as I write down the date, time, number and rough comments. I also strive to keep them on as long as possible to waste their money as I use a PAYG mobile. I mean to send them the sim at some stage so they can talk to themselves.

 

You may find the Cheekiness to DCAs thread amusing in The Bear Gardsn

 

 

GK

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