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    • I see jenrick has stuck his head up with them, and I'm sure this wont faze their nasty rhetoric one wit-less UK growth since 2010 has been lacklustre and largely driven by immigration, says report UK growth since 2010 has been lacklustre and largely driven by immigration, says report | Economic growth (GDP) | The Guardian WWW.THEGUARDIAN.COM Resolution Foundation report suggests parties are dodging the economic challenges facing the country   Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it Immigration: how 14 years of Tory rule have changed Britain – in charts | General election 2024 | The Guardian WWW.THEGUARDIAN.COM Net migration is more than two and a half times the 2010 figure despite a string of Tory pledges to reduce it    
    • Will get them done asap My job changes week to week so at the time I didn’t know. 
    • You will probably get a couple more reminders followed by further demands fro unregulated debt collectors with even increasing amounts to pay. They are all designed to scare you into paying.  Don't. It's a scam site and they do not know who was driving and they know the keeper is not liable to pay the PCN. Also the shop was closed so they have no legitimate interest in keeping the car park clear. So to charge £100 is a penalty as there is no legitimate interest which means that the case would be thrown out if it went to Court.  Keep your money in your wallet and be prepared to ignore all their letters and threats. Doubtful they would go to Court since a lot more people would not pay when they heard  MET lost in Court. However they may just send you a Letter of Claim to test your resolve.  If yoy get one of those, come back to us and we will advise a snotty letter to send them.  You probably already have, but take a look through some of our past Met PCNs to see how they are doing.
    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
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Lowell Financial Ltd


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Hi,

 

I think I may have found this forum too late but heres my story anyway.

Today I received a letter from 'Lowell Financial Ltd' claiming I owed a sum of £32.40 from an old 'Three' mobile phone account in 2003.

According to Lowell the account was opened in July 2003 therefore payments have been made during the last 6 years so the account would not be classed as statue barred.

I have no idea whether I owe this money or not but I do seem to remember having a 'Three' account many years ago so it could be true.

I have today accessed my Experian credit report and there is one 'Three' account showing as settled but that was in 2006 so could be a completely different account????

I also spoke to 'Three' and they could not find any account still showing as outstanding money.

I did get into a hell of alot of debt in my younger (foolish) years with numerous defaults and 3 CCJ's, during the last 6 years I have worked so hard to repair my credit rating it is currently perfect with a credit score of 999 :-)

Not wanting to spoil this I went and paid this invoice from Lowell.

Was I wrong to give into these bullies and more importantly with me paying this debt off in full will it have any impact on my current credit report.

Sorry to waffle on a bit but any help will be greatly appreciated

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Lowell And The Phantom 3g Debt Again

 

I Take It Lowell Is Not On Your Credit File

No they are not on my credit file, well certainly not with Experian anyway :confused:

Theres no way I can afford another default on my credit report again, ive worked so hard over the last 6 years.

Will this be the end of the matter now ive paid the debt in full? :)

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Lowells Will Prob Close The File Now

 

For The Sake Of £32

 

I Think You Did The Right Thing This Time

 

KEEP AN EYE ON YOUR CREDIT FILE THOUGH FOR A FEW MONTHS

Cheers mate thats a massive weight off my shoulders.

I just hope and pray nothing untoward appears on my credit file in the future.

Im hoping to get a mortgage in the next 12 months :)

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Lowells Will Prob Close The File Now

 

For The Sake Of £32

 

I Think You Did The Right Thing This Time

 

KEEP AN EYE ON YOUR CREDIT FILE THOUGH FOR A FEW MONTHS

Sorry to bother you again mate but ive just thought of something.

Would I be right in thinking that with Lowells only just getting in touch with me that they have literally only just bought this debt?

So surely no default notice could be put on my credit file as I have paid up straight away?

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they would only put a default on your file if 3g had put one on your file first

 

if no default from 3g

 

there will be none from lowell

Right ok, but would the default be dated from yesterday when I paid Lowells or dated from nearly 6 years ago when the account originally went into arrears with 3g :confused:

Thanks for all of your help it is appreciated :)

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