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lowell chasing Lloyds 2007 CC debt - **agreed SB**


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Hi guys

 

getting myself quite worked up ere and stressed ,

 

in 2007 i had a llyods tsb credit card and maxed it out to its limit of £5000 ,

 

after getting into financial difficulties i quit the payments and left it ( yes i know wrong thing to do )

 

last year i started receiving letters from lowell group and

 

a friend said to me dont pay can't collect ,

 

since lowell its been passed onto various groups including hamptons legal hamptons red and now some solicitors in edinburgh ,

they are now threatining with bailiffs ccj's etc

 

need to know what is the worse that can happen .

 

thanks in advance paul x

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Hello and welcome to CAG, will ask the site team to move your post for you to the debt forum.

 

Whats the name of the Solicitors?

 

Lowell, Red, Hampton Legal et al are all the same company.

 

The ONLY time bailiffs can ever become involved is IF, they take you to court and win, the judge would then order you to pay a set amount per month/week, this is called a Judgment (CCJ) You would then have to fail to pay this judgement whereby they would have to go back to court and ask for further enforcement action to be taken, one of these option is Court certified bailiffs.

 

Most Debt collectors (DCA's) like to threaten this, and most of them actually believe they are bailiffs, when in actual fact DCA's have absolutely NO legal powers whatsoever.

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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Hello and welcome to CAG, will ask the site team to move your post for you to the debt forum.

 

Whats the name of the Solicitors?

 

Lowell, Red, Hampton Legal et al are all the same company.

 

The ONLY time bailiffs can ever become involved is IF, they take you to court and win, the judge would then order you to pay a set amount per month/week, this is called a Judgment (CCJ) You would then have to fail to pay this judgement whereby they would have to go back to court and ask for further enforcement action to be taken, one of these option is Court certified bailiffs.

 

Most Debt collectors (DCA's) like to threaten this, and most of them actually believe they are bailiffs, when in actual fact DCA's have absolutely NO legal powers whatsoever.

 

hi mate thank you and yeah its russel aitken , they say they want just short of £7000 or its going to court

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Hello and Welcome pigginpie,

 

I've moved this thread to the appropriate Forum.

When was the last time you made any payment towards this debt.

 

 

Regards,

 

Scott.

Edited by maroondevo52
 
 

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Cheers MD...

 

R+A eh....

What does their letter actually say?

 

How did you take this card out?

How much of it is fees/charges?

Is there any PPI you can reclaim?

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 scott , just another quick one is a court certified bailiff the type who can force entry

 

No bailiff can force entry, don't worry about bailiffs, there are plenty of hurdles for them to jump yet.

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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Cheers MD...

 

R+A eh....

What does their letter actually say?

 

How did you take this card out?

How much of it is fees/charges?

Is there any PPI you can reclaim?

 

not to clued up on all this mate

but took the card out when i was having my salary paid into the tsb

 

the card limit was £4000 then with fees its gone upto £6981.99

 

with the letter from R+A we are advised by debt managers services ltd

that your account is being assessed and they recommend to the aboved creditor to start initiating legal proceedings to recover the outstanding balance ,

 

if court action is taken and a ccj is sucessfully obtained any solicitors fees will be added to the balance ,

then it goes on to say contact debt mamangers to arrange payment

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phishing letter ignore them totally

 

have you got your CRA file?

 

does this debt SHOW

 

see below

 

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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phishing letter ignore them totally

 

have you got your CRA file?

 

does this debt SHOW

 

see below

 

dx

 

hi dx just checked on that noddle site and yes the debt is on there from 2008

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ok what is the default date listed in the debt details

and who is shown as the owner [oc]

 

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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ok so the account will vanish on the 6th birthday of the listed default

 

its been sold to lowlife

 

I expect the actual last payment/use was a good few months previous to the default too.

 

only the owner of the debt lowlife can instigate court proceedings.

 

as its a credit card

 

I would suspect there are HEEPS of £12 or more PENALTY charges to get back

 

and p'haps PPI.

 

however it might well be an idea to sit on this for a while

 

do you know when you made you last payment or used it?

 

if its been sold, then there is something wrong with the debt

else Lloyds would have gotten you in court years ago.

 

have you moved since taking it out

 

and they've only just found you?

 

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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ok so the account will vanish on the 6th birthday of the listed default

 

its been sold to lowlife

 

I expect the actual last payment/use was a good few months previous to the default too.

 

only the owner of the debt lowlife can instigate court proceedings.

 

as its a credit card

 

I would suspect there are HEEPS of £12 or more PENALTY charges to get back

 

and p'haps PPI.

 

however it might well be an idea to sit on this for a while

 

do you know when you made you last payment or used it?

 

if its been sold, then there is something wrong with the debt

else Lloyds would have gotten you in court years ago.

 

have you moved since taking it out

 

and they've only just found you?

 

dx

 

yes the debt is in my old address and i last used the card mid 2007 they found me about 12 month ago

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then it will be statute barred

 

6yrs from your last usage or written ack and signed letter.

 

is there a way you can check this?

 

got the last statement?

 

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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Yes!

 

No one should ever get worried by tin pot DCA's. Everyone is having financial problems now, if you think yours is bad, just think how the government feels!

Oh wait....they don't care, so why should anyone else worry?

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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then it will be statute barred

 

6yrs from your last usage or written ack and signed letter.

 

is there a way you can check this?

 

got the last statement?

 

dx

 

Does the statute barred not start again from the moment they start proceedings against the debtor , if not the 6 years will lapse in april 2014 accourding to the cra report

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SB only starts again from the time you make a payment or acknowledge it in writing. However, if 6 years have already passed with no payment or written acknowledgement then NOTHING can un-SB the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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nope

 

no matter HOW many threat-o-grams they send

 

the ONLY think that can reset the SB clock is:

 

the issuing of a COURT CLAIM FORM [N1] within 6yrs]

or

a WRITTEN and SIGN ack of the debt by YOU

or

a PAYMENT by you

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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SB only starts again from the time you make a payment or acknowledge it in writing. However, if 6 years have already passed with no payment or written acknowledgement then NOTHING can un-SB the debt.

 

so is it my best option to ignore this completely ?

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Yep. Or send a £1 CCA request. ALthough i would leave it well alone for now

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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i'd p'haps sar the OC

 

let see what they throw up

 

it might be there is PPI to reclaim?

 

if it is SB'd Lloyds will prob say no paperwork.

if they do

 

you've answered the SB question

 

for the minute

ignore all the chasers

 

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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i'd p'haps sar the OC

 

let see what they throw up

 

it might be there is PPI to reclaim?

 

if it is SB'd Lloyds will prob say no paperwork.

if they do

 

you've answered the SB question

 

for the minute

ignore all the chasers

 

dx

 

when should i actually make contact with them cant see them just going away , or do they give up

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They'll tive up eventually. They hope the dontinued harassment will get you to pay them something.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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