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    • ok well next time never use email esp when entering into what seems like pointless letter tennis on your behalf.?when you had no real need to reply to them in any manner or form.   it only encourages them you are a mug and gives them a free way to intimidate and harass you by email.   get some kind of records from saas/slc on what they believe is your current status as they do still do the Adminmost of these loans .      
    • ignore ...yes its not a letter of claim from a solicitor with their client being the Uni. until/if you get one of those pop back here.   no-one can add anything to any debt ...so can't increase it.   nothing to do with 'credit' but yes ofcourse you can request and they will have to produce all paperwork inc how they dealt with your dispute if the time comes and they move to court.   redwood or harwood are good names to put in our search top right in the red banner.        
    • Someone that specialises on the subject might be a better way to put it. 
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    • Apologies I hadn't seen that uploads need to be in PDF.   I have received the attached letter from STA which I assume is a standard letter as I've never spoken to them on the phone. I'm not sure what they mean by 're-commence recovery action'? Do I just continue to ignore them?   I have been in contact with the Uni who insist I need to pay the fees as I left the course after the first three weeks. They have not provided any evidence/documents that I signed an agreement to pay the fees or that I acknowledged that fees would be due if the course was left early. They referred me to their website which undoubtedly has changed since I was there.    I appreciate I shouldn't reply to STA however I'm not sure how to proceed with this overall.   I've read the claim form page and I'm not clear if I can request a copy of a credit agreement from the Uni as I'm not sure if its standard for a University to have required a credit agreement to be signed?    I'm not really clear what happens next and at what point I need to act. I've read about lots of different cases (fee related and non fee related) but can't find information on a case that is similar to mine. Do I wait until the Uni begins a formal action? I am concerned as I don't want the amount to increase from the already significant amount they are demanding.     Many thanks for any help you can offer.  staletter.pdf
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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Help withl lowell


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Personally, I would wait but it is up to you. If you would prefer to do a CCA this is fine also.

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Another day another letter ! this time from RED stating there giving my account details to Hampton legal . alot of we could apply to courts for a ccj or attachement to earnings or instructs baliifs , or send some one to talk face to face to me ,, also finally ..

we have tried to settle this amicably and we will not write again , now hamtons legal will ? write is it time to cca or still ignore ? many thanks cat ... x

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Tricky to decide as there is no point provoking action/stress but fore-warned is fore-armed, I stuck with Lowells popping up with 2 letters for an old HBOS/AA card debt. Do I go straight for CCA/SAR or keep quiet knowing they will either go away, sell the debt on or it will become SB'd.

 

You also have the 31.14/16 option as they are threatening court action.

 

Time for a poll I think!

Andrew

 

Escaped the DCA nightmare, now helping others start businesses

www.ukleakdetection.co.uk

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well this debt is is well old , its for a creaction card from 1998, defaulted in 2005 , have read the letter again and say we may ...not we are going to go to court .. i no this is near or may already be sb ... i not paid a penny for this debt in 6 yrs ,, seems alot of maybe threats on it .. oh and in massive black letters .. ACT NOW TO PREVENT LEGAL ACTION ... think there trying to scare me ..

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Another day another letter ! this time from RED stating there giving my account details to Hampton legal . alot of we could apply to courts for a ccj or attachement to earnings or instructs baliifs , or send some one to talk face to face to me ,, also finally ..

we have tried to settle this amicably and we will not write again , now hamtons legal will ? write is it time to cca or still ignore ? many thanks cat ... x

 

If you can put up with the same crap threats, that will now arrive from hamptons(lowell desk 3)would still ignore untill such time that they state WILL OR ARE not may.

 

Next letter from hamptons will be on behalf of their client red (desk 2 ).

 

They will say that they intend to obtain your cf...to help them deciede which form of litigation to take...more scare tactics...designed to get you to contact.

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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well this debt is is well old , its for a creaction card from 1998, defaulted in 2005 , have read the letter again and say we may ...not we are going to go to court .. i no this is near or may already be sb ... i not paid a penny for this debt in 6 yrs ,, seems alot of maybe threats on it .. oh and in massive black letters .. ACT NOW TO PREVENT LEGAL ACTION ... think there trying to scare me ..

 

you are so right:lol:the longer you ignore closer to SB.IF IT IS NOT ALREADY,SO ANOTHER OPTION,IF BY A MIRACLE THEY COULD SUPPLY CCA:jaw:

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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Ignore Lowlifes and their many guises, red hamptons blah blah blah.

File it away with the rest of the garbage they sent you, the only time you need be concerned is when they issue a SD, if at all!

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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  • 2 weeks later...

Lizzy. Start your own thread and you will get help to reclaim the money that your father paid. Hampton's Legal, Red Debt Collection Services and Lowell are one and the same company. They have fraudulently received this money without providing any proof you owe this debt. They put the frighteners on you to make you pay. Anyone can claim you owe them money but they should provide proof. This is how DCA's work. Never ever talk to them on the phone. Complain in writing demanding your money back or you are taking them to court. Please please stay on CAG and I promise you will get all the help you need.

:cool::cool: Blondmusic :cool::cool:
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what is the best move now, and what sort of letter do I need to send to them, thank you so much for your help I was so worried sick and my poor dad who is 80 years old is out of pocket by £1832.00

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Ok guys here we go ,, now letter from Hamptons legal ,, saying after repeated requests for payment , red debt collections, have instructed them to pursue me for overdue payment !! alot threats about interest none has been added yet lol and legal costs , saying what happens if a ccj is granted .> also if i dont contact them we may begin proceedings ! so whats your advice ? still ignore or cca them ? many thanks again guys ............... cat x

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would still ignore.

 

still might and may 's, and if mights and may 's were chocolate,lowlifes would not have enough to fill a smartie.

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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Hamptons, Red = Lowell. Just another desk in the same broom cupboard, report them to the OFT&TS via http://www.consumerdirect.gov.uk/contact for attempting to exploit a debtors lack of knowledge by using different names to chase an alleged debt.

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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ahhh i see still lowells !!! sneaky me thinks lol ok i going ignore them again as its getting closer to being 6 yrs soon but they seem to be sending more pushy letters by the day ? any one think i should cca them ? or hold fire again ? many thanks cat x

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Do nothing, as it is just another empty threat. If they have the necessary proof of the debt to proceed to court why are they messing around? Answer - They either haven't got the proof or what they have got would not be adequate to allow them to proceed.

We could do with some help from you.

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had a nice letter from the lowlifes this week stating that they had taken a purely commercial view? and as a gesture of goodwill and without any admission of liability on their part they have closed my account and wrote off balance...some 2 grand....result i think.....keep ignoring em they will fold in the end

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Yep, ignore the fools, they are clearly getting desperate by trying to confuse and intimidate you by using their other trading names, what you must remember is that, these letters are sent by a computer system, and until it has any human input, it will continue to send out irrelevant petty threats until someone tell the computer to stop, and as anyone who has had the misfortune of dealing with Lowlifes knows, they don't employ any adults with the knowledge of how to make the computer stop.

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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  • 2 weeks later...

well well there back again !!! Hamptons legal , This time there assessing my account ? despite there last letter outlining the consequences . There are alot we may take legal proceedings ! then alot of what could happen if they were granted ccj . They want me to contact them ,now do i file this with all the other letters in the ignore box or do i send them a cca yet ? Got say i like the human part of the last thing they quote . All the action we describe will depend on my circumstances and the amount i owe ! as if i going to tell them my life story ... Thank god my land line has changed and my mobile number had changed many times over the last 12 years , thanks alot again guys i await your in put ................. cat x

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Hi cat

Below is from a letter I sent to Lowell a good while back I hope it sheds a little light on how they work

Strangely enough they never replied :Cry:

 

I also think that the way you use the Red Debt Collection Services and Hamptons Legal “Trading Styles” is misleading bordering on deceptive as you give the impression that more than one company is involved

Plus it seems neither of them are listed at the addresses given according to a Post Office search:

Red Debt Collection Services PO Box 203 Leeds LS11 1BG is according to the Post Office Lowell Financial Ltd

Hamptons Legal PO Box 173 Leeds LS11 9WR is according to the Post Office Lowell Group

 

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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