Lowell/Hampton Legal

[cherry80]

I was wondering if this company are in leeds and i'm in scotland what they are entitled to do to my legally. It started with a dispute with littlewoods over payment dates and then they passed it to nationwide debt and then they took my insurance off me. I went through citizens advice to settle it sending off forms detailing my finances and what i could afford and littlewoods did nothing with this. They then passed it to lowell who have been hounded me since 2008/09 despite me telling them that is wasn't that i didn't want to pay littlewoods it's that i was appealing my insurance being taken off and that instead of littlewoods dealing with the appeal the just bumped it off.

 

A few months i moved and they seemed to have passed it back to littlewoods and then passed it back to lowells due to my change of address which i did not inform them off and now they have passed it to hamptons legal and they are threatened inhibition against my property(i'm a tenant not owner what does this mean?) earnings arrestment and a court sheriff being used to remove goods from my house. They have also said they have a copy of my credit file surprising since they have my new address but not my married name. What does all this mean for me i'm very confused and don't know where to go from here?

[yn_ot]

Yes Lowells/Red/Hampton Legal are based in Leeds and can do nothing to you as they have no legal power over you.

They specialise in threatening all sorts that never turns to reality.

They have the right to take someone to court of course but very rarely do that as it costs them money.

When they say they have your credit file that is just them trying to be macho and intimidating but means nothing much in reality.

If they are harassing you then report them to the OFT & trading standards.

Also stay off the phone to them and dont answer any security questions.

[cherry80]

yes they have tried this on my mobile luckily it is registered to my mum so i told them they had the wrong number. They still have my house number but haven't used it in some time now. I think i just got to the point to find out whether i should just start giving them something by direct debit but after being on here and reading a few of the threads linked to them it doesn't sound the best idea either. I owe littlewoods just a litte over a grand however there saying over 2 grand but that includes the charges they put onto the account while it meant to be suspended because of the appeal i was unhappy with this and told littlewoods this is the point where they just stopped communicating with me and sent it to lowell.

[BRIGADIER2JCS]

Hi Cheery I have posted info on the Mass Complaint thread you posted on firtst.

[yn_ot]

Lowells are just the bottom feeders of the DCA industry.

Littlewoods have obviously wahsed their hands of the debt and just sold it onto them.

They have no right to be adding their own charges on so i would report them for that as well.

Never pay by direct debt as well as they can take what they want that way.

[BRIGADIER2JCS]

Send the CCA as soon as possible see other thread.

[cherry80]

i will send cca but my concern at this moment in time is to make sure they can arrest any earnings or send a sheriff to my home to take anything

[cherry80]

i must make it clear that i don't work i'm a housewife and they have my maiden name not my married one there not able to touch my husbands earnings are they?

[BRIGADIER2JCS]

They can't do either.they have no authority what so ever first the have to issue a court claim,then they have to win it,

if they do win the only time any order for attachment of earnings will be made is if you were to default on a payment plan

as you are a tenant they can' t touch your home, and bailiffs can only come if the creditor gets a warrant which is unlikely.

[BRIGADIER2JCS]

They cannot touch any thing at all.

[cherry80]

thank goodness for that but will sending the cca be me acknowledging i have debt with them i know i must sound stupid as anything right now but i just want to make sure that me having any communication with them does not set a ball rolling for them. I've stayed clear of them for years keeping it at the back of my mind but it niggles at me that its there and the letters were few and far between at my last residence but i've had one every few weeks for the last few months it's hard to ignore ppl who are telling you there going to take things off you for someone elses mistake

[BRIGADIER2JCS]

No the letter is headed I DO NOT ACKNOWLEDGE ANY DEBT TO LOWELL OR ANY OF THEIR ASSOCIATED COMPANIES.

DON'T:!: WORRY

[cherry80]

thankyou hopefully i can get this printer up and working by the weekend. I know i sound like i'm panicing well i am a lot ,unfortunately i have been helped in the past with things like this because i'm not a very good letter writer but that help is gone and i just didnt know how to handle the situation so thankyou for your help

[BRIGADIER2JCS]

You are mos welcome just shout if you need any further help.

Brig.