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    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. Anyway I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
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    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
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Lowells and Statutory Demand threat for £350 cat debt


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Hi Everyone

 

I have a long running disagreement with Shop Direct over £350 worth of goods bought and sent back due to size / style issues

and to cut a long story short Shop Direct denied they were received and so defaulted the account.

 

So, Lowell's got involved and it seems they have bought the debt (probably for about tuppence in the pound) and are chasing like rabid terriers.

 

The latest letter threatens the visit of a process server,

delivery of a Statutory Demand and then,

to use their exact wording from the letter '..

.Lowell may then petition the court for your bankruptcy...'

 

Part of me thinks this is over posturing on their part but I have heard stories about Lowell's on this and other forums as to their nasty and vindictive nature.

 

Can they petition for bankruptcy for such a small amount? Does anyone have knowledge of the law on this issue? Also, I would be very grateful for any advice as to my next move.

 

Many thanks. :mad2:

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They cannot issue a Statutory Demand for under £750.00. If they are even attempting to do this, then you should immediately contact the Office of Fair Trading.

 

In fact, the very fact they are even threatening this should be reported to the Office of Fair Trading.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Dear oh dear!

 

Blatant and very clear evidence of lowlifes using the threat of SD's as a debt collection tool!

 

These foolish clowns CANNOT make you bankrupt for such a puny amount, the figure has to be £750, minimum.

 

Formal and urgent complaints to the Office of Fair Trading (OFT) and Trading Standards (TS)

 

Welcome to CAG too!

 

Have you made a formal complaint to Studio?

 

Have you evidence you returned the goods?

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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time to SAR shop direct me thinks

 

prob all PENALTY charges anyway too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Can I please urge you to drop an email to this email address - [email protected] .uk (without the space) Just detailing the fact that you have received the above correspondence, tell them the amount, state that you are not happy at receiving threats of a stat demand when a) the amount is disputed and b) that as you understand it the amount is £750 to pursue a stat demand and subsequent petition...

 

 

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Invite them to apply for a demand, then take it to court and claim your costs....

 

Sorry, Im new to all this and so apologies for being slightly naive but what costs? Would this be cost I may have incurred indealing with this matter or do you mean sue Lowells and claim my costs? Both sound interesting and so more info would be great Thanks.

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Sorry, Im new to all this and so apologies for being slightly naive but what costs? Would this be cost I may have incurred indealing with this matter or do you mean sue Lowells and claim my costs? Both sound interesting and so more info would be great Thanks.

 

 

Yes, claim your costs for dealing with the matter. This is something you would submit with your set aside if you need to do this. As the debt is below the thresh hold anyway, then this is irrelevant. They CANNOT issue a statutory demand, so there will be no need for you to set it aside.

 

However, if they continue to make this threat that they may/could/will, then I wonder if there is a precedent for suing them for the time involved in researching the situation and the stress/harassment.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you had to go to court (and please believe me when I say that you will win for a stat demand that is only £350) then you would be able to ask the judge for your costs - there is an example here - http://www.consumeractiongroup.co.uk/forum/showthread.php?327997-Statutory-Demand-from-Hamptons-Legal-WON-STAT-DEMAND-DISMISSED/page2&highlight=hamptons

 

Just keep us posted if you hear any more from them - did you email the OFT by the way ?

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