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lowell about to serve SD for personal loan with welcome


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hi all im about to receive a statutory demand from lowells for a 2000 pound debt from welcome i have sent i email to them offering 45 per month got email back to say that the acount is on hold can i get a set aside on the fact that i am othering to pay it back thank you for any help im in a bit of a panic no im in a big panic

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What is this debt?

 

Who is the Original Creditor?

 

Unless you have received the SD then offer and pay these nothing, they are using the threat of SD's as a tool for debt collection.

 

More info regarding the debt please.

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

 

it was for a personal loan with welcome

and its not a threat

they called last night and

 

i was not in so they are coming wed to serve it on me.

 

i have offered a payment of 45 pounds per month

 

and had a email back to say they have put my account on hold it was from a firm called bw legal and its lowells

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Ah good old lowlifes still issuing Sd's like confetti!

 

How much of this debt is their fees and charges?

 

I'll ask for assistance for you.

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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get an SAR off to welcome finance first thing in the morning by recorded delivery

 

tell us about the loan

 

how old

how much

is it on your CRA file

 

got the agreement?

 

i've never know a welcome loan not to be 90% penalty charges & compulsory insurance

 

all can be reclaimed or used as a counter claim.

 

dx

  • Haha 1

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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ok the other questions please..

 

when was it taken out

how much is outstanding

what is the default date list in the cra data

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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After a recent experience with Lowell and SDs it would be valuable to see how the amount claimed has been arrived at and what proportion of said amount is composed od fees/charges.

  • Haha 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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got that sar off

 

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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  • 2 weeks later...

sorry head in the sand time they have accepted my offer of 50 pounds per month but want a income and expenditure form sending back do i need to do this by law or not i have got a letter of them to say they have accepted my offer.

it says on the a seperate letter that i need to send the form back in 7 days i dont want to tell them anything about myself or my wifes earnings in case they ask for more thanks for any help

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You are under no obligation to supply I&E DATA

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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You don't have to send the I & E information and there is nothing to stop you sending information which is not accurate. You

could show I&E information, which suggests that £50 a month is a struggle.

 

If you send any info, it only needs to relate to the debtor and not their partner.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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I would NOT recommend making a false statement on such a document better just refusing to supply any!!

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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If you produce a Common Financial Statement / Personal Budget Form, then you are signing it to state that it is a TRUE reflection of your circumstances at that period in time. I would not advise making a false statement, especially if this is likely to proceed to litigation.

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i have a letter of them to say they have accepted my offer of 50 pounds per month witch i will be paying i have already paid 50 pounds can they take me to court to make me bankrupt if i dont send the i and e form back they are wanting bank statments to prove what i earn

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Lowell are not entitled to I&E information. As long as you make the payments you agreed, they cannot proceed with bankruptcy.

 

Is this the only debt that you have outstanding which would still be enforceable ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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i have a letter of them to say they have accepted my offer of 50 pounds per month witch i will be paying i have already paid 50 pounds can they take me to court to make me bankrupt if i dont send the i and e form back they are wanting bank statments to prove what i earn

I would not send bank statements to any DCA let alone Lowell!!

 

May I suggest the following which has been successful for me when advising others.

 

Mr. Andrew Bartle,

Head of Collections

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

 

Date xx xx xxxx

 

Ref: Use theirs.

 

Private & Confidential

Dear Mr. Bartle,

 

I refer to Lowells' letter dated xx xx xxxx requiring me to supply data regarding my income and expenditure and copies of my bank statements,.

 

I must decline to supply such sensitive financial data to a company such as Lowell which has no authority to demand such information, I am however making a statement of my earnings below.

 

Statement of Truth.

I xxxxx xxxxxx declare that my weekly/monthly income is £xxx .xx

 

Signed: xxxxx xxxx Dated: x xx xxxx

 

 

Witnessed: Dated:

 

I have received Lowells written confirmation of acceptance of my generous offer of £50.00pcm. to repay the debt and the first payment has been made on xx xx xxxx.

 

 

Get someone to witness this for you if possible and mark the envelope PRIVATE & CONFIDENTIAL as well.

 

Recorded/ signed for post is best.

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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