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    • I have just received this email from the courts in Burnley:   "Dear Mr Xxxxx                            Due to them age of the file there is no paper work to send. The letter you received from ourselves was because we are destroying attachment of earnings files and have to give the parties chance to inform us  if the debt is still live. The case relates to a debt Arrow, Global bought from HSBC, A/C NO - 999999/99999999, that goes back to 2001 and the claimant bought in 2014. If you think the debt is paid or wish to contest it you should apply to set judgment aside on form N244 which will unfortunately cost £ 255.00. You can also use form EX160 for help with the fees."   Not sure which letter they mean as I have received nothing.
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    • I'm afraid that I'm not especially familiar with the injunctions and orders et cetera that are available in these kinds of buried difficult situations. What I am pretty certain of is that if there is some kind of proceedings began while the partner is still living in the home then that will increase tensions to an intolerable level and also increase any danger. I think this would mean that they would have to be a move to have the abusive partner excluded from the home. How many children are there and why should she be worried that the children might be taken away? I have to say that if the children are living in a situation where they are aware that there is this level of abuse between their parents then it can only be extremely damaging to them and the sooner the matter was resolved and the home became a peaceful and stable environment for them, the better. I think this would absolutely require the removal of the abusive partner. If the police have already been made aware of his abusive behaviour then it seems to me that the presumption will be in favour of her remaining at the home with her children. One thing she should certainly do is start to keep a detailed log of what is going on. She needs to be extremely careful that this log is not discovered and in fact I think that there is an app which maybe allows a log to be kept and is stored off the phone and in the cloud somewhere. I will check it out and come back. I very much hope that there will be others who have experience of this kind of thing either because they have been in this kind of situation or else because they have supported somebody who is in that situation who will be able to come along and give better advice. Can you tell us more about the children please. I think that their well-being might be pivotal to finding a solution to the whole problem
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MorganaNK

JDW-Ambrose debt - Reliable Collections - Now Sold To Lowells

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Resurrecting a zombie thread:

 

I checked mum’s credit report and Lowell’s have this listed on there as a default... can or should I try and get this removed?

 

Thanks


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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No the OC would have defaulted before sale surely?

Or was there an old default from years past


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

 

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Look at post 67 as long as the defaulted date has not been changed all is ok


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

 

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LENDER Lowell

UPDATED 18/05/2018

STATUS Default

Date of default

14/01/2016


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Nope read post 67

Find that DN they sent you


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

 

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Found it. Lowell put it into default the day they purchased the debt from JDW.


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Nope not reading things properly are you.....


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

 

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The original default was 02/04/14 and there is no trace of it on the credit report.

 

The Lowell one is on the credit report and states that it entered default on 14/01/16 which was the day they bought the debt from JDW according to their “Hello, we now own your soul so be afraid” threatogram.

 

JDW/AW have refused to do anything about the unfair charges/interest, and the amount they allege we owe is made up of that so we are at stalemate.

 

I am not sure what I have misread or misunderstood...


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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A dca cannot default you only the oc can


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

 

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I didn’t know that, thank you. So, as the default date has changed, what action, if any, should we take?


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Send lowells a copy

Demand they correct their default within 14 days else you will open a serious complaint with the information commissioners office and also seek financial compensation


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

 

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I will, thank you


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Just so I am sure, we send Lowells a copy of the original default notice?

 

Sorry if I am being stupid, this all feels like walking through a maze.


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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yes


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

 

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We received a refund cheque from N Brown Group today, along with a letter stating it is because they have recently completed an internal review with the FCA and concluded the PPP insurance sold ‘contained flaws’. The amount is £426.19; worked out as premiums £219.19, and interest £207.00); Lowells are trying to claim £984.16 as an alleged debt... (the rest is the charges and interest we tried to claim back).

 

How does this affect the default on the account (if it does), and where do we go from here? I haven’t yet send the default notice. Mum is too scared to bank the cheque!

 

Thanks in advance


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Nothing to do with lowells or anything else.

its hidden ppi commissioner under the new plevin case

 

Why have you got to send a default notice??


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

 

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Nothing to do with Lowells...they only paid a tenner for the debt...bank the cheque


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Sending the default notice on your advice above because OC defaulted the account on 02/04/14 (which doesn’t appear on credit report) and then Lowells defaulted it on 14/01/16 which is the day they bought the ‘debt’ (this appears on the credit report). Not sure what to do now...

 

We will bank the cheque :)


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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Ah yes get rhat done rub their nose in it!!!


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

 

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So, just send them the default as advised before, say nothing about the ‘compensation’ and then sit back and do nothing?


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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No you want them to correct thei dn date error read what i posted!!!

Edited by Andyorch
edited

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

 

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I didn’t type the whole bit out as I thought it was a given that I understood the how, why and what after the clarification you gave me last week.

 

.. you said give them 14 days and if they do nothing go to ICO as will be stated in accompanying letter..

 

. I meant sit back and do nothing with regard to the fact that the cheque reinforces that their purchased ‘debt’ is worth less than nothing


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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as they always are.


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

 

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as post 111


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

 

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Thank you


"I am prepared to meet my Maker. Whether my Maker is prepared for the great ordeal of meeting me is another matter" - Sir Winston Churchill

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