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    • Ahh, discussion thread. Thank whoever. Forgotten what the points were  now, I will read and get back later.
    • I have completed answers as noted above.   Name of the Claimant ?  IDEM Capital Securities Limited Date of issue – 12 Nov 2019   What is the claim for – the reason they have issued the claim? a)      A credit card agreement made between MBNA Europe Bank Limited and the cardholder b)     Claimant purchased the balance on the account on xx/2016 c)      Cardholder accrued balance £5500 d)     Cardholder defaulted on payments e)      Claimant issued formal demand requesting payment on xx/2019 f)       Amount now due £ 5500 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ?  Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? n/a What is the total value of the claim? £6000 (now including fees) Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account?  Credit Card Do you recall how you entered into the agreement...On line /In branch/By post ? By post When did you enter into the original agreement before or after April 2007 ? July 1995 Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.  Debt Purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment?  Yes Did you receive a Default Notice from the original creditor?  Yes -though I am unable to find a copy Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ?  Unsure Why did you cease payments? Advised to as there was no enforceable CCA What was the date of your last payment? Feb 2019 Was there a dispute with the original creditor that remains unresolved?  Unsure Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan?  Originally informed MBNA that we were in difficulty and arranged a payment plan with them, they later sold the debt to Britannia Sarl (?) and we continued with the same payments, this was then sold to Moorcroft and we again continued the same payments. At some point later we contacted Moorcroft to advise our circumstances had changed and we offered a lower payment.  We were asked for income and expenses which we didn’t provide as we had contacted a debt help organisation who helped us work out what we could afford, however we did receive a letter on another debt at the same time accepting a lower payment (the circumstances were exactly the same – MBNA debt, sold to Britannia, sold onto Moorcroft) We continued with the lower payments.  In the last year we discovered that all our other debts were no longer showing on our credit files but this one was showing as continual defaults month on month. We contacted IDEM to ask why and they said the previous DCA hadn’t agreed to the lower payment and therefore we were continuing to default. At this point I sought advice from CAG and they advised me to ask for the CCA. I received a photocopy of the original application form and a page of Terms and Conditions that I was advised by CAG were not a CCA and I should stop paying.   I further received a pre-action protocol which I completed and returned and in response I received a notice of assignment, account statement and default notice  as I had requested, but they ignored the fact that I said they had provided an unenforceable CCA.
    • Just to update no reply from Marston regarding letter no further visit as yet.    
    • said that many times already.   time to move on me thinks   dx
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flynnkev1

Lowell Financial keep buying my debts....and looking at my credit card file.

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About 6 months ago i received a letter regarding two previous debts which were 6 months away from being statute barred.

 

I had not started reading this site at that time, and therefore entered into a payment arrangement with them albeit with hefty discounts......

 

I have received a letter from Equidebt today saying they have sold the debt to Lowell. they consist of 1 credit card debt, 1 loan and 1 current account which were all with smile. the date of default was 17th July 2007.

 

Not sure when the last payment was made to them. possibly December....

 

Their did seem to be an awful lot of searches from Lowell recently almost like they are actively purchasing debts because i've started paying off others.

 

Any advice please ?

 

 

thanks kev

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Your debts are not individually sold on, debts are sold/purchased in massive portfolio.

So have you been paying anything at any time regarding the debts sold to Lowell?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Discounts??

 

Can you list these debts, and anything that has been discounted should be seriously looked at as these are most likely full of reclaimable fees and charges or even PPI.


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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There are 2 other debts from barclays which i started paying 6 months ago.

Lowell appear to have purchased the above 3 debts from equidebt claycard(originally co-op debts)

The debts are as follows for co-op

 

1) 789 credit card

2) 5k loan

1921 current account..

 

thanks for your help guys

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Forgot to mention nothing has been paid regarding the co-op debts in approximately 5 years 6 months

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When were these taken out?

 

Has there been any mention of discounts?


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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Ive just received three etters from them asking for full settlement or montly installment. the amounts are

 

5709.32

789.05

1921.66

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Off who? Lowell?

 

When was the loan and CC taken out?

 

And are there any charges on any of the three accounts?


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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Hi guys and girls I've sent three CCA request's on 15th November one for each of the above accounts to Lowell using the template and 3 x £1.00 Postage stamps. All defaults appear to have been removed however today i've had a letter from Red saying that they have been asked to collect the money on Lowells behalf. I think this relates to a current account? What is my nest step. it appears they've had the cca request and then passed the debt on immediately?

 

Thanks again

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Red is Lowell, so is Hamptons Legal, all designed and passed around these Companies just to confuse you.

 

If this is for a Current Account, then it is exempt from a CCA request.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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This is a current account and an overdraft. So I should send a subject access request?

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This is a current account and an overdraft. So I should send a subject access request?

 

Yes,

 

Subject Access Request to the Original Creditor NOT to Lowell's!

Enclose a £10 postal order, this will give you a full account history including charges and the correct Balance.

The Original Creditor has 40 calender days to comply and send you all of the information.

Letter for the SAR is in the Library section, top tool bar in green.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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If you could go back to the beginning of your thread and please start answering some of the questions posed then maybe I'll be able to advise accordingly, you first say that they offered huge discounts, then three posts down say they didn't, I'm confused.


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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Sorry Bazooka, the debts i was offered discounts related to Severn Trent & Barclays bank both of which have now been paid off.

 

The three debts which i have been written to about since paying Severn Trent & Barclays off are for egg. The information has now disappeared off of my credit report however looking at a previous one it shows the following.

 

Company Equidebt Limited. Started 16/01/2004

Account type: CC/SC

Default Date 02/07/2007

Default Balane £789.00

 

Account two

 

Company Equidebt Limited. Started 16/01/2004

Started 22/01/2004

Account type cc/sc

Default date 02/07/2007

Balance 1921

 

Account three

 

Account start date 12/01/2004

Opening balance £ 5,709

Repayment frequency Monthly

Date of default 02/07/2007

Default balance £ 5,709

 

I sent a CCA request on all three accounts on 15th November, and have had letters for each account saying they are in contact with Co-Op and waiting for a response from them. Since then they have written again for all three accounts saying they are still waiting on the information from smile but wont be in touch again until they receive it from Co-Op. They have not offered any discounts on the three accounts in question above.

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Sorry Bazooka, the debts i was offered discounts related to Severn Trent & Barclays bank both of which have now been paid off.

 

The three debts which i have been written to about since paying Severn Trent & Barclays off are for egg. The information has now disappeared off of my credit report however looking at a previous one it shows the following.

 

Company Equidebt Limited. Started 16/01/2004

Account type: CC/SC

Default Date 02/07/2007

Default Balane £789.00

 

Account two

 

Company Equidebt Limited. Started 16/01/2004

Started 22/01/2004

Account type cc/sc

Default date 02/07/2007

Balance 1921

 

Account three

 

Account start date 12/01/2004

Opening balance £ 5,709

Repayment frequency Monthly

Date of default 02/07/2007

Default balance £ 5,709

 

I sent a CCA request on all three accounts on 15th November, and have had letters for each account saying they are in contact with Co-Op and waiting for a response from them. Since then they have written again for all three accounts saying they are still waiting on the information from smile but wont be in touch again until they receive it from Co-Op. They have not offered any discounts on the three accounts in question above. Also strangely all 3 accounts have disappeared off of experien but not off of noddle.

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Noddle is rarely up to date.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Brig,

 

What is your advice now? Also i've just realised that Bryan Carter managed to get a partial CCJ for £297.00 for one of these date. And i've also now gone through my bank statements and made payments to Bryan Carter. Two times £50.00 per month for 7 months with the final one being in April 08 No idea which one it relates to as i can't seem to tally the original account numbers with Lowell's.

 

Thanks for all of your help

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http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

Send them that, via 2nd class post but obtain proof of posting which is free from the PO counter, and ignore.


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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Thanks Boo,

 

 

Did i read somewhere that you can't make a partial claim in a ccm? Is it best not to poke the beast the ccj falls off my credit report in june and i believe i've paid the amount for the partial claim off.

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Yes I think you should leave it.

On another Tack how many times have Lowell searched your credit files and over what time span?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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15 times since february....

 

Were these searches at any time concentrated in to say 4 or 5 a day over a short period?


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I've copied them out below some were up to 3 times on one day. Do these searches damage your credit file?

 

 

 

Searched on: 24/10/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 24/10/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 24/10/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 19/06/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

Entry Number: P21

 

Searched on: 25/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

Entry Number: P22

 

Searched on: 25/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 19/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 18/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 18/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 05/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 04/05/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 14/03/2012

Searched By: LOWELL PORTFOLIO 1 LTD

 

Searched on: 28/02/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 28/02/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

 

Searched on: 28/02/2012

Searched By: LOWELL PORTFOLIO 1 LTD

Application Type: Unrecorded Enquiry

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Not unrecorded searches no.

 

But anymore than 1 a day I would say is excessive? But then again, DCA's and CRA's are one of the same, they are in each others pockets and pay each other to do searches and allow data to be placed on credit files correct or not!


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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