Carter/lowells Claimform for old Co-oP credit card

[Tim-S]

Mistakes were made when i was younger and i got myself into debt.

 

When couldn't pay them have come chasing,

and me being stupid ignored them,

they been round in circles for years now.

 

Usually i bin the letters (stupid i know).

owe to different creditors, 8 in all. 3 to Lowell i think.

 

The smaller of the 3 has come to light £900.18.

I'm starting to panic, as this seems pretty serious now.

 

Letter reads:

 

We have been instructed by Frederickson International Limited on behalf of Lowell Financial Limited

to issue court proceedings on 07 Feb 20114 if payment of this debt is not received by us by that date.

 

If proceedings are issued, solicitors costs, court fees and interest will be added to the amount

you owe and will be enforced against you if a Judgement is subsequently obtained.

 

You must contact us on *number here* before Feb 07 2014 to make payment if you wish to avoid the matter going to court.

And you know the rest.

 

I think the last payment i made to the debt (don't even know if it was Lowell as its been passed around)

was around April 2008.

 

What do i do?

 

Many thanks, Tim.

[Tim-S]

It was an Amazon credit card, i think it was originally owned by RBOS.

[renegadeimp]

Ok. Can you post that letter up, minus personal info? You could send a prove it letter to them, especially if you are unsure what they are chasing.

[ims21]

Two threads merged, tidied and moved to debt collection as court is a threat at the moment.

 

We can move it to Legal if/when court papers are received.

[Tim-S]

Date 24 Jan 2014

 

Our Client: Lowell Financial Limited

Account no: XX

 

Balance: £900.18

 

Dear XX,

 

We have been instructed by Frederickson International Limited on behalf of Lowell Financial Limited to issue court proceedings on 07 Feb 20114 if payment of this debt is not received by us by that date.

 

If proceedings are issued, solicitors costs, court fees and interest will be added to the amount you owe and will be enforced against you if a Judgement is subsequently obtained.

 

You must contact us on *number here* before Feb 07 2014 to make payment if you wish to avoid the matter going to court.

 

Please see the reverse of this letter for full details of the different types of payment methods we can accept. You can also manage you account online.

 

If you dispute liability of this debt please provide your reasons in writing and supply us with documents in support of any defence you may have.

 

A Judgement Order (CCJ) will remain on the Register of Judgement debts for a period of 6 years and may affect your ability to obtain credit in the future.

 

This matter has now reached a stage where you may want to obtain independant legal advice.

 

Yours sincerey,

 

Bryan Carter Solicitors.

[renegadeimp]

Send the prove it letter.

[dx100uk]

usual threat-o-gram nothing special

 

is this RBS

or

HBOS

 

dx

[dx100uk]

look like they were bank of America

latterly sold to MBNA.

 

however

 

looks like it been sold at some point to lowells

 

so carter/freddies are just blokes at the next desk in a diff coloured skirt

 

is this on your CRA file?

 

dx

[Tim-S]

usual threat-o-gram nothing special

 

is this RBS

or

HBOS

 

dx

I'm fairly certain it was Royal Bank of Scotland. But i'm not 100%

 

Send the prove it letter.

Do i need a certain amount of posts to see the template?

[dx100uk]

nope but you must be logged in

 

pers i'd be getting that credit file first

 

dx

[Tim-S]

look like they were bank of America

latterly sold to MBNA.

 

however

 

looks like it been sold at some point to lowells

 

so carter/freddies are just blokes at the next desk in a diff coloured skirt

 

is this on your CRA file?

 

dx

Pulled off Noddle:

 

Lowell

£ 900

17/12/2013 Default

 

 

Credit Card

Account number ************

Account start date 23/11/2007

Opening balance £ 1,145

Repayment frequency Monthly

Date of default 19/11/2009

Default balance £ 1,145

Status history

[dx100uk]

look in the payment history for the last payment.

 

if the defaulted date is nov 2009

 

then last payment must have been mid 2009

unless your are wrong.

 

dx

[Tim-S]

look in the payment history for the last payment.

 

if the defaulted date is nov 2009

 

then last payment must have been mid 2009

unless your are wrong.

 

dx

Cant see any payment history.

[dx100uk]

typically on noddle you have

status history

balance history

limit history

statement balance

payment amount

each has a tiny blue arrow

look for it and click it

[Tim-S]

typically on noddle you have

status history

balance history

limit history

statement balance

payment amount

each has a tiny blue arrow

look for it and click it

No, not on this one.

[Jam_Buttie]

"Been instructed to issue papers, but will accept payment.."

 

 

Sound desperate don't they..

[renegadeimp]

It amazes me that carter hasnt been struck off yet.

[theoldrouge]

Pulled off Noddle:

 

Lowell

£ 900

17/12/2013 Default

 

 

Credit Card

Account number ************

Account start date 23/11/2007

Opening balance £ 1,145

Repayment frequency Monthly

Date of default 19/11/2009

Default balance £ 1,145

Status history

 

default bal 1145 on 19/11/2009

no payments made but bal now £900?

something not right.

 

Amazon Cards were HBOS then sold to MBNA,

I would suggest sar with £10 to HBOS,

as well as prove it letter,

 

youll get no docs out of carter he only wants ccj by default.

Best to get prepared now

[zydeco]

It amazes me that carter hasnt been struck off yet.

You have to be a real solicitor to get struck off.

[renegadeimp]

You have to be a real solicitor to get struck off.

 

Sadly he is a fully qualified solicitor. he has had multiple complaints filed against him, but his reasons were " i was just executing my clients instructions".

[Tim-S]

default bal 1145 on 19/11/2009 no payments made but bal now £900? something not right. Amazon Cards were HBOS then sold to MBNA, I would suggest sar with £10 to HBOS, as well as prove it letter, youll get no docs out of carter he only wants ccj by default. Best to get prepared now

So I send one of these SAR things to HBOS?

And who do I send the prove it letter to?

And do this asap?

 

And I don't think I have any of the original details

[theoldrouge]

Yes SAR to HBOS, asap, if claim is issued feb7, with 33 days to deal with it, sar will just be in time. Prove it letter to Carter may slow the process

[Tim-S]

Yes SAR to HBOS, asap, if claim is issued feb7, with 33 days to deal with it, sar will just be in time. Prove it letter to Carter may slow the process

What will a SAR do?

And I don't think I have any of the original bank account numbers.

[dx100uk]

you don't really need any account numbers

 

the sar will get you everything they hold on you.

statements etc etc and poss agreements too

 

dx

[Tim-S]

you don't really need any account numbers

 

the sar will get you everything they hold on you.

statements etc etc and poss agreements too

 

dx

And if they can/can't provide this?

Come to think of it, it's the Co-operative back it belonged to.