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Letter from Hamptons - is this standard threat-o-gram stuff?


DesperateSusan
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I received a letter from Hamptons - is this standard threat-o-gram stuff or something more serious?

 

The text of the letter is:

 

Impending legal action

We are Hamptons Legal the litigation department for Lowell Financial Ltd. We have been instructed to recover an outstanding debt that you owe which originate from an agreement you had with Barclaycard. We note that Lowell Financial Ltd have offered you on a number of occasions the opportunity to enter into a payment plan so that you couold clear this account but you decided not to take up the offer.

 

What is the reason for non-payment?

We know of no reason why this debt should not be paid and can only assume you simply have no intention of paying it back. We are therefore assessing your account to decide what action to take. As you are a homeowner it is very likely we will apply to the County Court for a Judgement against you ordering you to repay the outstanding balance. If you continue to refuse to pay, we will consider the following:

 

o applying for an Attachment of Earnings order which, if granted, would allow us to recover the balance in installments directly from your salary; or

o Applying for a Charging Order which if granted would secure the debt against your property; or

o Issuing a petetion to the court for your bankruptcy.

 

You need to seek advice

Unless you call and pay off your debt or set up a payment plan we strongly recommend thaty you seek professional advice so you gain a full understanding of what the above courses of action may mean to you as both could have serious consequences.

 

Avoid further action

To avoid any further action against you please call us on 0113 308 6095, and discuss repayment, we willagree to a monthly arrangement, we may even agree to a discounted amount in settlement.

 

Yours faithfully

 

Jill Senior

 

I have been ignoring all letters from Lowells about this debt for nearly 3 years. Should I ignore this, too?

 

Thanks,

 

Sue

Brought to my knees by the banks, but up and standing again. Nearly.

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Thread to General debt collection Industry.

 

Regards

 

Andy

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Send them this Sue.....should keep them quiet for a further 3 years.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Hi

If you own any property they may try a Statutory Demand but if not, just another threat

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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I do own property - jointly with my soon-to-be-ex.

 

Does the joint ownership status make a difference? I always thought it did.

 

Yes if the debts in your name only.......send the above head it " I do not acknowledge any debt with your company "

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your Topic please PM me a link to your thread

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