Lowell/carter claim form for old lloyds loan - help

[mw45uk]

Hi

can anyone advise my next step please.

 

Had a letter from Bryan carter solicitors saying they were acting for Lowwel financial limited for an outstanding debt

 

I sent Bryan carter a cca last week,

 

I had a reply from them and they sent the cca and postal order back saying I must send the cca and request it direct to Lowell financial?

 

Is this correct do I need to resend this or are they playing games?

 

Thanks mw

[maroondevo52]

Thread moved.

[Rayn2036]

As far as I know CCA must go to DCA (Lowlife).

[mw45uk]

Ok thanks.just got a bit confused with Bryan carter sending loads of letters ?

 

mw

[dx100uk]

whomever is chasing you for money

 

if that BC

 

they get the CCA

 

dx

[dx100uk]

what the debt all about

 

what does your cra file tell you?

 

dx

[mw45uk]

cra file says: credit card/debit card default 12/05/2010 started 19/05/2007 sum £981??

 

Trying to look back through debt chasing letter to see who the card is with ?

Thanks mw

[dx100uk]

what is the default date?

 

dx

[mw45uk]

Default date 12/05/2010

 

mw

[dx100uk]

ok so a while to run

 

time for another CCa to uncle brian then.

 

hes got his teeth in you...¬!!!

 

dx

[mw45uk]

Ok dx thanks. Do I resend the cca with postal order back Bryan carter and do I need to send anything with it to say that they need the cca as they are sending me letters?

 

mw

[mw45uk]

iv had a look around for a letter template to send with this letter to say that they need the cca letter as they could keep sending it back but I can find one is there anything I need to send with the cca??

thank mw

[dx100uk]

nope

 

dx

[Geordie Joe]

Default date 12/05/2010

 

mw

 

Is that around the time you stopped making payments?

 

I ask because I stopped paying a CC in Dec 07, but the default date Lowell put on my file is Oct 10.

[Geordie Joe]

iv had a look around for a letter template to send with this letter to say that they need the cca letter as they could keep sending it back but I can find one is there anything I need to send with the cca??

thank mw

 

I can't see the point in sending another CCA to Carter, they've already sent one back as they are only acting for Lowell.

 

When I was in exactly the same position I was advised to CCA Lowell, which I did. Lowell replied saying they did not have it, but were trying to get it and had put my account on hold until they find it.

 

Not heard from them, or Carter since.

[mw45uk]

Ok Grordie Jo thanks for that I'll send Lowell a copy and see what that brings Cheerz

 

mw

[mw45uk]

hi

can anyone give me some help with this letter from bryan carter

 

 

their client is lowell financial limited and

 

 

this is for a tsb loan that has had nothing paid on it for 3 years + for £3390.52 and

 

 

i think has ppi on it plus charges.

 

 

letter says "we have been instructed by fredrick internatiional limited on behalf of lowell financial limited to issue court preceedings on 9th Dec 2013

 

 

if debt is not recieved by this date"?? s

 

 

eems like 3 people after the same debt?

 

 

ont know what action to take with this letter so any help with this would be great.thanks mw

[Sidewinder]

Sounds like it was sold off to Lowlife and they are getting BC (their in-house solicitor) to apply pressure with the threat of court action.

 

Some history of the debt will help the more knowledgeable forum members to advise, but for starters:-

 

You say that you think there is PPI on the loan - can you be sure and have you ever tried to reclaim this? Have you ever asked Lowlife for a CCA or formerly disputed the debt either with them or the original creditor? What about the charges - do you have statements showing the addition of penalty charges?

 

Subject to the answers to those questions I would be disputing the debt with BC and Lowell and asking for a copy of your agreement (a CCA request - there is a template in the library). That should hold off any further action whilst they get the OC to provide a copy of the agreement, and will give you a chance to start the ball rolling with a PPI claim.

[mw45uk]

Hi thanks very much for the reply, not had any contact with anyone over this debt or contacted anyone other than TSB years ago. Not got a list of charges and never claimed ppi hope this helps? I will send CCA soon as. Do I send this to Bryan carter ?

 

Thanks mw

[fkofilee]

The CCA request is to go to Lowell as they will have physically bought the debt.

They are a debt sale company compared to companies like Past due credit solutions who only administer debts.

 

They have 12 + 2 days to supply a CCA, if they cant then its not enforceable in Court.

Now as for BC, you need to tell him that you are disputing this debt and on what grounds and that you have requested a copy of the CCA agreement from Lowell.

If you send the CCA request to BC he will only pass it over to them anyway.,

[mw45uk]

Hi everyone

 

just had a claim form sent in ref to a personal unsecured loan with Lloyds tsb

 

it been on going for 3-4 years now with nothing paid on it in this time,

 

its been passed to many different dca companies and

 

now Bryan Carter acting for Lowell Financial have issued this Claim form,

 

this is a loan with ppi and I have not claimed on this at all,

 

also there maybe charges on here as well for the sum of £3390.52,

 

can anyone help with my next step to responding to this Claim form,

 

Do I do an acknowledgement of service or do a defend with MCOL?

 

Thanks mw

[ims21]

Thread moved to the Legal Forum.

 

Can you type up the particulars of claim verbatim please but leaving out any details that could identify you.

 

What is the date of issue of the claim form?

[mw45uk]

hope this upload has worked? will having ppi and charges on this account cause any problems?

thanks mw

[mw45uk]

[ATTACH=CONFIG]48201[/ATTACH]

 

so sorry about this, finger crossed let me know if I got it right this time?

 

mw

[ims21]

Yes it's fine.