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Hi

 

I am worried ,

 

my husband got into debt with aqua,

 

this was passed onto Lowells who passed it Howard Cohen,

 

they have called and said to him they sent a letter concerning this,

 

he replied that he had not received this letter so they said they would send another ,

 

he has received no communication from them until a court letter dropped through the letter box today,

 

they called two weeks ago,

 

can you tell me where we stand and what to do next,

 

the amount Lowells are claiming is double the debt, probably interest and late payment charges,

 

I have not been on for while but would appreciate any advice my husband is not refusing to pay but surely he should be given a chance to respond

 

 

Thanks in advance

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Can you please respond to the following.

 

What exactly does it say on the claim form - the reason they are issuing the claim.

 

Please let us know the issue date - you will find this at the top right hand corner of the claim form.

 

What is the value of the claim (amount they are suing for)

 

When did your OH enter into the agreement with Aqua.

 

Did you receive the following

 

Default Notice from Aqua

 

Notice of Assignment from either Aqua or Lowells.

 

You say you haven't received letters that Howard Cohen say they have sent when they have telephoned you.

 

When did you cease payments to Aqua and why.

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

 

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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What do you mean by a court letter? Is it a simple letter or an actual claim pack?

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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Ok. FOllow the advice CB posted in post #2 so people can help further.

  • Confused 1

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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Ok thanks

don't know if you got my reply

 

I am at work tonight, but it's original amount was Gbp 750 with aqua

 

Lowells are asking Gbp 1485 approx

 

husband lost his job debts spiralled ,

 

think he had a default from aqua but not a letter of assignment from Lowells ,

 

i think it said issued for non contractual payments,

will check the date of the agreement I think was four years ago originally,

he will pay part but they haven't given him a chance thanks for your quick reply

 

I just need to know what we can do and need to know what rights if any we have:???:

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WHen you get home, post the particulars of claim, and go through post #2 and answer each question if possible. We need accurate info to help you, so its best to do it when you can sit down and copy it.

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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if you don't have all the statements

 

i'd suggest you get an SAR off to aqua by RD tomorrow

 

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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No need to feel sick. We can help, but we need the exact info first.

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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Hello there. Do you know when the credit card agreement was taken out originally? Actually, scrap that you say 4 years ago, so around 2009?

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ok have you acked the claim form

 

defend all

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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Hi thanks for reply no I am looking at it don't know where to start, not disputing the debt is owed it's the amount, do I just accept it and set up a plan or email Howard Cohen and ask where the lets are they have supposed to have sent

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I think i'm correct by saying you need touse the username and the password on the claimform to log in on the website and ack the claim.

 

ok you might owe 'something'

but I don't think you want to put partial

as you are disputing the debt level

 

select defend all

 

you need to get that done before the deadline expires

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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You might need to telephone the court (Northampton) and ask them for help logging in.

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

 

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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Can you please let me know the date of issue of the claim - top right hand corner of the blue form, near the claim number.

 

Also can you type out exactly what it says on the claim form - the reason they are taking you to court.

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

 

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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Hi

 

Date is 3rd jun, the reason is as below

 

This claim is for the sum of 1438.50 in respect of monies due from the defendant under a regulated credit agreement pursuant to the consumer credit act 1974

 

This debt was legally assigned to the claimant and a notice of such was provided to the defendant

The defendant failed to make contractual payments in accordance with the terms of agreement. A default notice has been served upon the defendant pursuant to section 87(1) of the consumer credit act 1974

 

The claimant claims the sum of 1438.50 which is inclusive of interest

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We have not received any letters from Howard Cohen as promised when they called three weeks ago they have not even offered us to sort out a plan the credit amount was for Gbp 750 taken out in 2009

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Do you think we should just accept it and offer a plan to pay as we cannot afford in one go, we not disputing we owe it but they have put a lot of late payment and over limit fees on also there is ppi on it but if we chase for that aqua surely would claim it back I'm so confused dont know which way is best

 

 

Thankyou for your time by the way

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