Lowell's fake notice of assignment?

[boogiemaster]

Lowell sent my wife a copy of the notice of assignment but its not a Photostat copy its a printed letter with the word copy printed going through it and its all in colour not black and white.

 

The telephone number that is always at the top left hand corner is missing and further down where it says to call them has these words >.

 

Where it says turn over to find details on how to pay its blank so is this an obvious made up notice of assignment to try and fool my wife.

 

The notice of assignment was sent three years ago according to Lowell's and this letter looks like it was only printed a few days ago.

 

They also said its not statue barred as my wife paid £100 but it will be statue barred on the 14th March 2012 and then my wife is going to tell them where to put this debt

 

 

What do you guys think of this notice of assignment?

[dx100uk]

very common sadly.

 

dx

[dx100uk]

its this the cap1 debt

 

if so you should really be keeping to ONE thread

about the same debt.

 

dx

[boogiemaster]

Well its statue barred on the 14th of March and the wife will be so happy and mine is statue barred now so I'm happy

 

Last payment March but the default wasn't registered till October for some strange reason.

 

 

Thanks for the help and sorry about no posting in the other post cap one debt

[jobmid]

then ignore all letters from the clowns till the clock hits the 6 years then u can fire off the statue barred letter

[dadofholly]

very common sadly.

 

dx

 

Yes and it's called fraud - report the matter to the OFT and trading standards..

[dadofholly]

When do they claim this £100 was paid?

[boogiemaster]

My wife just received the cca from Lowell's and it has her signature but under the date it has her date of birth.

 

The agreement date has 21st Dec 2005 but the cca writing is really tiny and its not the same one they sent me this looks like an up to date one they sent the wife with her signature lifted and put onto a new cca.

 

So it looks like they are trying to con my wife

 

And last payment was made 14th of march 2006

[Halibutt]

If you're absolutely sure of your dates then send the statute barred letter. But not until Thursday...

 

Send it Recorded Delivery, but be prepared for Lowell to make up some phantom payments and claiming it's not SB.

[dadofholly]

May be worth doing an SAR and comparing the signature to a doc or letter that was sent at another time.

 

I done this to a credit broker and shown that two of my signatures had been lifted.

 

Are they claiming that this is an original copy? strange that anyone would put the date of the signature as their date of birth Not exactley an expert forger.

 

Have you reported this to the OFT?

[Halibutt]

May be worth doing an SAR and comparing the signature to a doc or letter that was sent at another time.

 

I done this to a credit broker and shown that two of my signatures had been lifted.

 

Are they claiming that this is an original copy? strange that anyone would put the date of the signature as their date of birth Not exactley an expert forger.

 

Have you reported this to the OFT?

 

Unfortunately, many people, when dating a form do put down their date of birth by mistake. My poor old mother included. May be worth bearing in mind, though that should have been noticed/checked at the acceptance stage by the OC!

[boogiemaster]

We enclose a copy of your agreement as requested.

 

I knew straight away they were trying to pull a fast one because we both got accepted at the same time but get sent totally different agreements?

 

Its only two days away till its statue barred so I think a nice statue barred letter will be sent

 

They told me it goes by the default date but tell the wife it goes by the last payment so wish they would make up their minds?

 

I also will be reporting them

[dadofholly]

The cause of action is the last payment - so also report them for lying to you about the default.

 

Halibutt - thinking of some of the issues my mother in law had trying to claim her PPI back i could believe it. My wife had to take over the letter writing in the end - and got a repayment with one letter.

 

And me and the wife have the same discussuion every year about the date of our anniversary - neither of us can remember if it was the 2nd or 3rd Good kob we still have the certificate.

[brokebutnotbeatn]

Would be after the cause of action which is the first missed payment - so wait for a month before sending the SB letter to be on the safe side?

[boogiemaster]

Lowell sent my wife a letter stating her debt was not statue barred as she acknowledged the debt by making a payment of £100 on the 14th of March 2006.

 

So she sent an email on the 14th of march 2012 telling them this debt was now statue barred and I will not be paying it.

 

She received a letter this morning stating this debt now comes under the statue of limitations act and we will now be closing the account.

 

Her default drops off on the 14th of October 2012 but as of March 14th 2012 the debt is statue barred so the statue of limitations defiantly goes by last payment and not default date like that idiot lying git on the phone told me.

 

Thanks for the help guys and now I'm just waiting for my letter to come through now

[jobmid]

Lowell sent my wife a letter stating her debt was not statue barred as she acknowledged the debt by making a payment of £100 on the 14th of March 2006.

 

So she sent an email on the 14th of march 2012 telling them this debt was now statue barred and I will not be paying it.

 

She received a letter this morning stating this debt now comes under the statue of limitations act and we will now be closing the account.

 

Her default drops off on the 14th of October 2012 but as of March 14th 2012 the debt is statue barred so the statue of limitations defiantly goes by last payment and not default date like that idiot lying git on the phone told me.

 

Thanks for the help guys and now I'm just waiting for my letter to come through now

 

Aww the poor leeds loosers loose again heheheh Congrats Lets jsut hope these clowns dont sell it to another DCA but if they do you now know what to do. Anway well done i bet you feel great now!!

[dx100uk]

now you know why to NEVER EVER talki on the phone

 

dx

[NailPost]

And make sure you keep that note so that if Lowell pass this onto another debt collector you'll have serious cause for complaint

[boogiemaster]

Should there be information on my credit file from Capital one because according to Lowell I made a payment in February and default date was 10th of July 2006.

 

There is no information at all apart from Lowell when they started recording data in March 2008 when they bought it and I thought it should still show Capital one data?

 

And I will keep the letter and it feels good when its statue barred

[jobmid]

did you actually make a payment in Feb? They like to lie

[boogiemaster]

I never made a payment and I know this for a fact but the default date should still show on my credit file shouldn't it?

 

I know it was written off for tax purposes by capital one data should still show?

[jobmid]

well its statue barred so it should fall off soon if Mukhall has updated thier records