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Lowell Portfolio 1 Ltd - dodgy letter??

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Hi there - I originally posted this in someone elses thread - sorry!! Am new to this site so please forgive me. I will copy it here now:

 

I really could do with some help with this matter so any advice will be gratefully received.

 

Hi all - I have had a letter from Lowell portfolio1 ltd. It is on unheaded paper and says:

 

I have been directed to serve you with a Statutory Demand issued under the insolvency act 1986.

I have already attended at your address without meeting with you.

I have to inform you that I will attend at your address as above on ******* ** November afor the purpose of serving you personally with such statutory demand.

Should the above appointment prove inconvenient, I will endeavour to attend any other reasonable appointment you may suggest, or a solicitor may accept service.

It is my duty to inform you that should you fail to attend the above appointment or any other made in lieu thereof, substituted service of the saidstatutory demand shall be deemed to have been effected by way of advertising the demand or by insertion through your letterbox.

Your failthfully

 

name and mobile number written here.

Process Server

 

Any advice gratefully received. Thank you.

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What A Load Of Rollocks From The Leeds Loosers Again

 

Have They Been In Contact Prior To This

 

Letters From The Leeds Loosers

 

Do You Know What The Debt Is

 

Its Quite Easy To Set Asside With Costs If Real

 

Most Of The Time Its A Threat To Get You To Call But Must Treat With Caution

 

Do You Own Your Own House

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I cant help but others here who can help you,

 

Dont worry about it at the moment though, advise on here what its for then you can arrange to get it set aside @ you local county court and awarded costs etc , because doubt they have the paper work to back what they say up!

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Gosh - that was 2 very swift responses - thank you - and thank heavens I've come across this site. Its for an old credit card - but not 6 years old unfortunately. I've been reading this site most of the afternoon - it's so interesting and informative.

I also discovered on this site - and I've checked it out - that Lowells Portfolio 1 Ltd (thats a number one by the way) are not registered on the Information Commissioners Site as Data Processors!!

My main concern is that this letter is on totally unheaded paper and the only phone number supplied is a mobile number? Strange?

It looks like this debt has been sold a couple of times as at the top of the "letter" it says in bold type

"Statutory Demand - Lowell Portfolio 1 Ltd (Original creditor - Compucredit International Servicing LLC, T/a Monument."

He reckons he's coming back to my house - very soon - do I stay off work for this or is it best to see what gets pushed through the letterbox next?

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CompuCredit Plays First International Card with Barclays

 

April 5, 2007, 7:18 am Atlanta-based CompuCredit has made its first international portfolio buy in a deal with Barclaycard, a division of Barclays Bank. The maker of credit cards for high-risk individuals bought $970 million in Monument sub-prime credit card receivables from Barclaycard for $770 million.

Barclaycard is a multi-brand credit card and consumer loans business that also processes card payments for retailers and merchants and issues credit and charge cards to corporate customers and the British government.

 

CompuCredit Plays First International Card with Barclays - DealBook Blog - NYTimes.com

 

 

These Guys??


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Bazooka Boo - yes I reckon that must be who it means. I just don't know what the heck to do next.... and if I'm honest I'm pretty scared!

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so you own your own house, then if this is a real stat demand which by the sounds of it it will be ensure you get it set aside


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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As above.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I'm not sure I'm understanding all this - I clicked the 'set aside' link but I'm not sure what I'm looking for. This debt was only originally around £1400 - is it not better to try to make some kind of arrangement? Thats if this letter is genuine - it makes no reference to amounts owed or gives any address for any correspondence. Also, I'm concerned that their name - using the number1 as opposed to the roman numeral style one is all just a bit dodgy?

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OK Lucy....first things first - please spend some time reading around here - DCA Legal Successes - The Consumer Forums you will find plenty of other thread from 1st Credit / Connaught and Capquest which deal with stat demands....I would send a CCA request immediately to Lowells and a SAR to the original creditor...CCA request costs £1 and SAR costs £10...send each recorded delivery and use postal orders if you can.

 

Can you please PM me with the name and number of the process server...

 

Do you know how much of this debt is made up of excessive penalty charges ? and or PPI ? if at all ?

  • Haha 1

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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If they are trying to serve this upon you then you should take this seriously....but don't panic.


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Is there also any chance you may not have made any sort of payment towards this debt for 6 years ? or is there at least a gap of years in the life of the debt where you have not made a payment ?


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Take 42man's advice.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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42Man - thanks for trying to help. Happy to send you PM - how do I do that?

I have no idea how much of the debt would be charges - and I have no idea what PPI is either? Oh dear - I'm beginning to feel really stupid now - as well as frantic about this issue too!

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42Man - thanks for trying to help. Happy to send you PM - how do I do that?

 

Hi,

 

Click on 42mans name, then send message (below name )

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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No need to worry Lucy...we were all new to CAG once, PPI is payment protection insurance. As mentioned above, send of the CCA request (don't hand sign it though) this will need to go to Lowells, and the SAR you have to sign (but put crosses through your signature so it can't be 'lifted') and send for the attention of the Data Compliance Manager at the head office of the ORIGINAL CREDITOR's address....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Ok thank you all so much - letters will go tomorrow - but I still don't know what to do when the man comes to my home again - which he will very soon!!

42Man - have PM'd you.

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Keep copies of the letter/s and the recorded delivery slips don't forget to insert postal orders.....and do spend some time reading around these forums. I assure you, you will pick up some amazing information....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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If he says he will come at a certain time, then let him / her ......ask for FORMAL IDENTIFICATION and an address for where he is from...ask if he /she is registered by the Office Of Fair Trading.....and if he says yes ask for his number.....if you have access to a witness to your house then get them to watch at the time they say they are coming....it has been known for process servers to lie.


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Please keep us posted....get those letters off and keep them safe...


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Refuse to answer as to who you are until they give a name and a company they represent and verification that they hold an OFT Consumer Credit Licence as required by Process servers...


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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