Jump to content



  • Tweets

  • Posts

    • My personal view is that if you break down the work into various parts and treat each one is a breach of contract then each claim would refer to different set of facts. However, I take the point you're making. In terms of tracking down his assets – I'm afraid the only thing I can suggest which I think I've already suggested above is that you get the addresses of any properties fees associated with and run them through the land registry website and see what that brings. There is a small fee for each search. If you find that all of the properties are in the names of his wife or other relatives, and I think that you had better understand that you are dealing with somebody who knows their way round, and is very calculating about what they do and how they can avoid liabilities. Do you have any kind of bank details for him? You might be able to get an order against his bank account – assuming that it is still live. At the very least, if you wanted to cause a bit of discomfort then if you tried running a few very small claims simply to get judgements which would then remain unsatisfied and which would at least impact is credit file. Not a very nice way to go about things – but but at least it's another way of bringing some pressure to bear. It's too late now but I think that you may be didn't embark on this in the best way. I would certainly wanted to see his insurance documents and also to contact the insurers to begin with to make sure that they would cover these kinds of problems – although as I have said, I don't expect they would have done.
    • Thanks for your response.    Is there a way for me to find out if he has assets?    I looked at small claims court and dividing the issues, but I read somewhere (maybe citizens advice or GOV. website?!) that you cannot claim against the same person twice for matters arising from the same incident so I'm not sure that it would work out as surely it would be seen that these issues have all arisen from the same incident (his original work)? 
    • Hi,   So the company is capital recoveries,sending in my wife's name and yes for a short fall. They don't seem to have sent mine yet..lol.. As insaid it is a long story which I did post at the time on here when going through the repossession,basically Kensington claiming they only had fax and not email etc and just making things difficult so when we moved away I made things awkward for them explaining I won't be able to forward anything as I don't have fax..yes I know I should have but they put us through a difficult  time and didn't make things easy.   Why would it have been removed from the credit reports within 5 years though,this is what I don't understand.And to collect on it now would they need to re-apply for anything. I don't deny I must owe something....    
    • On the basis of what you say, you will have no difficulty bringing a successful claim against him. The problem is that first of all, bringing a claim of this size – even if you win will incur costs for yourself and it seems to me that you may have problems enforcing the judgement. It is never worth beginning a claim unless you know that you can identify assets belonging to the defendant so that you can enforce the judgement. If you can't enforce judgement then bring any claim is simply a waste of money. The second problem here is that your claim exceeds the £10,000 small claims limit and this means that costs will be even greater. Also, in the event that he starts to cause problem and resists the claim, you could find that your costs are escalating and once again even if you win, you will not be able to enforce the judgement and you will lose everything. If you happen to lose, then it would be catastrophic because you would have to pay a substantial part of his cost as well. If you want to proceed with this at all then I think that you are going to have to look at away of dividing the claim up into smaller parts so that you can identify a particular aspect of it which is less than £10,000 to deal with. A claim of £2000 or £3000 would be much easier and much cheaper and then if you won that, you could attempt the enforcement and see where that got you. On the basis of that, you could decide to proceed with further claims – attempting each time to keep the value of the claim to less than £10,000. At least if you had a successful claim for £2000 and you are unable to enforce it, you would have kept your costs to a minimum. Also, it would have the effect of impacting on his credit file which he might find rather difficult to deal with. You can even bring a number of smaller claims if you simply wanted to hit is credit file and causing a great deal of difficulty over a long period of time. That might persuade him to start dealing with you. He says that he is insured – but you aren't able to get hold of his insurance details. If you got a judgement against him then you might find some way of persuading him/forcing him to supply you with his insurance details – if they exist. However, I can imagine that his insurance will not cover him for bad work. It will only cover him for accidents.  
    • whos the fleecers thats trying to scam you? i will gather you mean there was a shortfall debt?  
  • Our picks

    • 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!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies
    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies

Help withl lowell


Please note that this topic has not had any new posts for the last 3505 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

  • Replies 95
  • Created
  • Last Reply

Top Posters In This Topic

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

At your Service

 

Please Double click the Star and leave a message if I have helped you

 

Please support CAG and they will support you.

Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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 ..

Link to post
Share on other sites
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:

Link to post
Share on other sites
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:

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites
  • 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:
Link to post
Share on other sites

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

Link to post
Share on other sites

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

Link to post
Share on other sites

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:

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites

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

Link to post
Share on other sites

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.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Link to post
Share on other sites

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

Link to post
Share on other sites

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!

 

 

Link to post
Share on other sites
  • 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

Link to post
Share on other sites

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=

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...