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SiBaY

Lowell / Hamptons Legal

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I have a couple of "accounts" with Lowell (one for £507.43 and one for £512.56) which I was paying off at £10 per month per account (all I can afford) .

 

When I checked my credit file I noticed that the Defaults that I have for these debts will drop off my file in 2015,

whereas I'd still be paying them off 2 years after that.

 

last month, rightly or wrongly (probably wrongly :| ) I thought whats the point of paying them, as I have Defaults for them anyway so it can't really get worse.

 

I now have been getting threatening letters from Hamptons Legal which I assume is the same Company, and probably same Desk as Lowell lol

But they are threatening CCJ's etc

 

I was just wondering what I should do regarding this really?

 

Start paying again?

 

Ignore them?

 

The original accounts/debts were with Barclaycard and Orange and I know that probably half of the debt amount is made up of charges/interest

as I remember the credit limit on the Barclaycard was only £260 at the time, and now I owe £507.43 on that one.

 

Thanks in advance for any advice you can give.. and feel free to tell me how stupid I am for stopping payments if you feel I am stupid lol

 

Simon

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i'd start another thread in the telecom forum for the orange debt

 

let this be your BC one

 

have ever CCA'd lowlife

 

have you ever looked at reclaiming those PENALTY charges & PPI?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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No I haven't done either of those things you asked :/

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As you have been paying Lowell you have admitted liability for the debts.

As DX said try a CCA to |Lowell for both debts.


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

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What does a CCA do? Sorry, I'm not very clued up about this

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whomever you pay your debts too MUST hold a copy of your agreement.[credit card]

 

who's name is against this card on your CRA file? [the owner]

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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What does a CCA do? Sorry, I'm not very clued up about this

 

A lawful request made under sections 77.&78 of the Consumer Credit Act 1974, reqiures the DCA/Creditor to supply within 12+2 Working days a copy of the regulated consumer credit agreement and any documents metioned in the agreement and a current statement of the account, there is a £1 statutory fee for this. The request should be addressed to the Compliance Manager at the head office of the DCA.

There is a template in the CAG library.


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 SiBaY,

 

Make the CCA request as suggested - http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

 

If you have all your old a/c statements, use a site spreadsheet to list all the penalty charges. Use this one but change the APR to 24.9% - http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

If you don't have all your old statements (or at least all of those where you think you may have paid penalty charges), you can apply for them using an SAR - http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

Read up on the reclaiming process in BC **WON with Contractual Interest** threads here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?97-Barclays-BCard-and-Woolwich-successes

 

:wink:


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Thank you for all your replies, I am going to make a start on this in the morning.. I will keep you updated

 

Thanks again

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Hi, It has taken all this time to get a response from Barclaycard.. They have sent a "reconstituted copy" of my credit agreement (no signature on it) and it has my current address on the agreement, and not the one I was living at when I took out the card. Surely this isnt right?

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correct!

 

how the cra file going?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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If you mean who is claiming to be the Lender on my credit file? Lowell's name is there.

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I think I'm confusing myself now lol

Do I now need to write to them again saying that the copy of the credit agreement they have sent me is not valid? (or is it valid) I have defaults popping up from Lowell left right and centre and have never received one through the post in my life. Last month my credit file said 3 Defaulted accounts, now it says 6.. which I find very odd.

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i think you need to list your debts please

 

and their listed default dates.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi, That is not a compliant Recon! It MUST contain the following data.

1. The name and address of the account holder at the inception of the agreement.

2. The name and address of the creditor at the inception of the agreement.

3 The Ts & Cs at the inception of the agreement.

4. Any Changes/amendments to the Ts & Cs during the life of the agreement.

5. The Ts & Cs as at the termination of the agreemen.

 

A signature is not required.


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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[ATTACH=CONFIG]41567[/ATTACH][ATTACH=CONFIG]41568[/ATTACH][ATTACH=CONFIG]41569[/ATTACH]

 

These are the 3 from Lowell... Will upload the other 3 now

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scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

DO NOT USE ANY PDF EDITOR TO BLANK STUFF, THAT CAN BE REMOVED

*************************************************************

DO IT IN MSPAINT.EXE or any photo editing program

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

convert existing PC files to PDF [office has an installable print to PDF option]

..

goto one of the many free online pdf converter websites ...

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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[ATTACH=CONFIG]41570[/ATTACH][ATTACH=CONFIG]41571[/ATTACH][ATTACH=CONFIG]41572[/ATTACH]

 

These are the other 3...Hope you can view them ok ? Let me know if not and I'll try another way.

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follow the guide i posted

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Looks wayyyy too complicated for me lol

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everyone else seems to manage

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Will try

Edited by SiBaY

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ok i've taken down the atts far too much pers info showing

 

anyhow

 

so the BC CCA is non compliant

 

did you sent the CCA to lowlife or BC?

 

as for the orange account

 

did you start that thread?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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