Lowell Portfolio 1 Ltd - dodgy letter??

[lucylocket007]

ok thanks everyone but I am still confused - have they legally served this to me then or not? Sorry for my lack of understanding here!

[postggj]

Well According To This No

 

Do You See Process Servers Listed

 

Trade Of Premisis No

 

I Would Think A Nice Letter To The Leeds Loosers Is In Order And A Complaint To The Ico And Oft Also On These So Called Process Servers

 

Its All Rollocks

 

Wait For A Few Days For More Comments Though

 

Lowell Must Be Getting Desperate

[lucylocket007]

oh my goog G*d - how dare these companies behave like this??? And I've been sat here all week brickin it!! Now I'm downright angry!!! But looking forward to others' opinions?

[lucylocket007]

Just another quick question please-what exactly does "licence to canvas of trade premises" actually mean - for a simpleton like me? lol

[postggj]

knocking On Doors PLYING BUSINESS In Your Situation

[postggj]

hello Poolman

 

Long Time No See

 

How Is Bournmouth And The Solent These Days

[fiftypence]

Does look like it might be a fishing exercise by Lowell. Your safest bet is to get it set aside and claim back your costs in doing so. You don't have to have legal representation to do it, many from this site have done it themsleves. You will have to assume you will need to attend court and face them across a table (fairly informal process). You can claim Litigant in Person costs (£9.25 per hour unless the figure has changed) this includes time for researching and putting together your defence. You could come out of this with a nice little tax free bonus

 

Ignore the dates on the documents, your time for setting aside starts from the date of service, i.e. when you actually receive it.

[Bazooka Boo]

The Office of Fair Trading: Contact us

 

Complaints - Privacy & electronic communication - ICO

 

Lowell Group - Customer

 

I see their 'Customer' site is still under construction!

Losers in every sense of the word, I wonder how long it will be before they go out of business?

[lucylocket007]

Just done some more digging on the web - seems that London House are part of a franchise company called london house international - if this international bit has licences would that cover the smaller brances?

[lucylocket007]

I have checked RM site - both my recorded delivery letters have been delivered. Still wondering about my post number 59 though, if anyone has any idea?

[postggj]

The Consumer Licence Is The One I Posted Above

 

No Exceptions

[phil_nottingham]

Yep still get it set aside. When you do i think its best to mention although its date 6th Nov you got served them on this date.

[lucylocket007]

Thank you - I will mention the dates - and there were 2 witnesses here at the time he came - thank goodness. Fuuny really - 1st thing this morning I felt quite positive about it all, but the self doubt and panic is setting in again now - but that's what these parasites rely on I suppose.

[lucylocket007]

I've just read the set aside link - surely (or am I misunderstanding again!!??) the set aside can only be applied for by me if a court case against me has been started? I think I may have to trot along to a solicitor because I'm really confused! Not surprising really with all this c**p going round and round in my head!!

[23sopwith]

this is just typical of lowells

predated

you have 18 days fron the date of service for set aside

your technically out of time. dont worry about it youve got 2 witnesses as to the standard of service.

ill have a look at the "green book" regarding proper service.

your 2 witnesses now need to make a statement of truth regarding the service, and the fact that it was pre dated.

firther a stat demand has to be on a specific type of form if being served under insolvency rules a letter from a company is not suffice.

will keep you updated

[lucylocket007]

Thank you - it is on what looks like an official form. But what does thid form really mean? That they have been to court or that they intend to? (even if that is an idle threat?)

[lucylocket007]

I've just realised I'm becoming obsessed - it's coming to something when the 1st page I open in the morning is this fabulous site, rather than Facebook!!!

[fiftypence]

This is what an official SD looks like

 

SDP1.jpg picture by fiftypence_photo - Photobucket

SDP2.jpg picture by fiftypence_photo - Photobucket

SDP3.jpg picture by fiftypence_photo - Photobucket

SDP4.jpg picture by fiftypence_photo - Photobucket

 

compare it to your own to see if its similar.

 

The SD is a precursor to making you bankrupt, if you don't respond by having it set aside they can then apply to make you bankrupt.

 

Don't panic though, most of these can be set aside quite easily and a lot of time these are not followed up to the bankruptcy stage anyway, they are used as a scare tactic. However, it is important to treat it as though they will follow up with the bankruptcy action so that you can be prepared for the worse, but setting aside the SD will stop any bankruptcy action in it tracks.

[lucylocket007]

Thank you - yes - thats exactly what it looks like.

[lucylocket007]

I have today had a reply from Barclaycard - which surprised me as I expected it to be from Monument. I sent the £10.00 letter off to the address that I found on an old Monument statement though??

Anyway, the letter says:

Dear Sir/Madam

 

Reference SECTION 78 of the Consumer Credfit Act 1974

 

Barclaycard Account Number: Unknown

 

Thank you for your request under section 78 of the Consumer Credit Act 1974.

 

Based on the informatiojn you have given we are unable to locate your Barclaycard account number. Please provide further information to allow us to proceed with your request.

 

Yours sincerely,

 

 

*********

 

Barclaycard Customer Services.

[lucylocket007]

Does anyone have any advice please on what my next step should be regarding the letter I described above? Do I need to take any action? Aren't my name and address enough detail for them to know if they hold any info on me?

[phil_nottingham]

Does anyone have any advice please on what my next step should be regarding the letter I described above? Do I need to take any action? Aren't my name and address enough detail for them to know if they hold any info on me?

 

No but i know you need to get the SD set aside, have you started the process, if not , why not?

[postggj]

Use That Letter From Barclaycard As Evidence Of No Agreement

 

This Sd Is History

[lucylocket007]

Phil, No I haven't started the set aside process yet - having read the info on here, it appears to me that I can only do this if a judgement has been entered against me? How do I know if one has?

 

postggi - thank you - so, please excuse me being a bit thick (again!!) but as the original card was Monument Visa, wouldn't Barclaycard have been the original owner so to speak? And do I now need to write back to them with more details other than my full name and address which they already were given in my subject access letter?

[42man]

You really must get this set aside.....they do not have to have a judgment against you necessarily to attempt to enforce a bankruptcy petition...and it is easier to set aside a stat demand (as this is where debts should be disputed) not at the hearing of the bankruptcy petition. Moreover, if you don't set aside the demand within 18 days of the date on the demand, you have to pay in the region of £30 to set aside outside of the timeframe....