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Lowell/cl finance chasing - Comet account from 2006 **WON**


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Even if this is statute barred the debt still exists.

 

Lowell will chase such debts in the hope that the debtor has no knowledge of CCA 1974, limitations and the OFT Guidance on Debt Collection.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

Letter from Aktiv Kapital this morning

 

Dear NM

 

Blah Blah Blah

 

Last opportunity to contact them before we review our next course of action.

 

You can still access new deal with the option of setting up mothly pay plan, or a F&F settlement from as little as

 

You pay £72.50 we pay £290.01

 

We have few other options left open to us now so if we do not hear from you within 10 days this may result in the following action

 

We may pass your account to a field agent who will contact you to arrange a time when they can call at your home to discuss repayment options with you.

 

blah blah

 

We would prefer an amicable resolution, however should this not be possible by the specified date, we will not hesitate to take further action.

 

Yours sincerely

 

unable to decipher signature.

 

 

Now how do I reply to this, copy of the letter I sent to Lowell and a letter with their ref on it?

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discount letter

 

begging letter

 

the xmas party drinkies fund must have suffered through people finding CAG

they now have to pay the bill.

 

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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Now how do I reply to this, copy of the letter I sent to Lowell and a letter with their ref on it?

 

I wouldn't, just ignore it. Give a dog a bone and it will keep coming back.

 

Usual computer generated missive, I have a drawer full of them.

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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Very strange letter arrived from Lowell this morning.

 

Dear NM

 

Ref etc etc

 

thank you for your recent letter

 

Your comments are noted

Last payment 28/06/2010 Lewis Group

 

and CCJ on this account.

 

Therefore you remain liable for the outstanding balance unless you provide copy documentary proof that further payments have been made.

 

Checked CCj's and nothing on Trust.

 

What is next thing to do?

 

Oh and they've put a note on letter about Lloyds current account which is all charges too.

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Did they ever have a ccj on this?

 

Trustonline is pretty accurate, so no idea why it's not showing, unless of course its that old it has dropped off?

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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scan up the letter please

 

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've just been through some old paperwork and can't find anything for that amount outstanding.

 

I've done no payments to Lewis Group thats for sure and £5 is a silly amount

 

If its so old I am wondering if it went to CCJ it went to one of my previous addresses as had 3 others between 2005/07

 

Where do I go from here CCA lowell and SAR CL finance ?

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Cannot scan so heres letter typed

 

Deat New me

 

Lowell ref

Orig Co CL Finance - Comet

Orig Ref

Current Balance

 

Thank you for your recent letter

 

Your comments have been noted an we confirm that the account is not statute barred under section 5 of the limitation act due to you acknowledging the account by making payments under reference xxxxxxxxx (CL finaNce - Lewis group) last on 28/06/2010 for £5

Notice on the account show that there was a CCJ by our client in the matter.

 

Therefire you remain liable for the outstanding balance unless you can provide documentary proof that further payments have been made after 28/06/2010

 

Please note we also hold the following account in your names,

 

Lowell ref

Orig co Lloyds

Orig client ref

Current bal

 

Please contact us for both accounts within the next 14 days,

We look forward to hearing from you

 

Yours sincerely

 

tree crabs jim

Customer services manager

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OK no CCJ on file and an alleged payment is the payment genuine??

 

 

I suggest the following.

 

 

Ms Sara de Tute

Director of Legal & Compliance

The Lowell Group

1 Apex View

Leeds

LS11 9BH

 

 

Private & Confidential

 

 

Ref: Use theirs,

 

 

Dear Ms de Tute,

 

 

I refer to a letter from Lowell Ref: xxxxxxxxx dated xx.xx. xxxx, in which Lowell alleges that there is a county court judgement in place regarding an alleged debt for £xxx.xx originating from an account with xxxxxxxxx.

 

 

Having checked my credit reference files and Trust on Line I cannot trace any such judgement, nor can I accept the claim that a payment was made to this account on 28/06/2010 allegedly to the Lewis Group.

 

 

I am most surprised to see that Lowell is so desperate to achieve some revenue from the alleged debt that is prepared to accept the sum of £75.00 to settle it.

 

 

I do not believe that Lowells current approach to this alleged debt will achieve the result it seeks.

 

 

Recorded signed for check delivery.

 

 

Let's see what she comes up with.

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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  • 2 months later...

Precis of Letter from Lowell this morning.

 

Dear NM

 

We refer to our letter dated 10 Feb. Given the length of time that has elapsed since we first received your complaint, we have, now, further reviewed your account.

 

Our view is that Lowell Portfolio 1 Ltd purchased the account in good faith from the original creditor and that the debt is propery due and owing.

 

In the circumstances, however,and with a view to resolving this matter without further delay

i have decided to close your account and confirm that we will take no further action to recover the debt.

 

I have also arranged that any information being reported by Lowell Portfolio 1 Ltdto the CRA'a in relation to the above will be removed from your credit file.

 

I trust that this now concludes the matter.

 

Yours

 

AA

Senior Customer Relations Officer/

 

 

My thanks to Brigadier and dx for your help:grouphug:

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hey great result.

 

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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Share on other sites

Good result, even though Lowell use their usual " we have done nothing wrong" clap trap but still close the account.

 

 

My feeling is that you should write again thanking Lowell for their attention to this matter and seek assurance that this alleged debt will not be sold or assigned for collection to any 3rd party in the future.

 

 

(not that I don't trust Lowell !!).

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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Dear Brig, is there any chance that you can scribe a missive for me as typing one fingered as , co-ordination is crap today.

Of Course, I have busy evening but I will do this for you in the morning.

 

 

Brig.

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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Dear Brig, is there any chance that you can scribe a missive for me as typing one fingered as , co-ordination is crap today.

Dear Mr AA

Senior Customer Relations Officer,

 

 

 

 

I refer to your letter dated xx.xx.xxxx, in reference to an alleged debt arising from an account with Comet.

 

 

I note that Lowell will no longer pursue payment of the alleged debt and will remove all data that it has reported to credit reference agencies in regard to this matter, for which I thank you.

 

 

I would appreciate it if you could confirm that Lowell will not sell or assign the alleged debt to any 3rd party for collection in the future.

 

 

Yours etc.

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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