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Lowells/BW claimform - Littlewoods Cat 'debt


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Hi

I need someone with the expertise for help.

 

I had an account with Littlewoods everything was fine but due to my partner

and myself in and out of work I found it difficult to keep up with the repayments.

 

Littlewoods then passed it onto Lowells and being new to all this

I agreed to make payments to Lowells but I cannot and did not keep up with their demands.

 

Today I have received a LETTER OF CLAIM from bwlegal demanding I pay £180.00 by 15.1.15,

if I don't then they intend to issue a claim against me in the County Court.

 

I have every intention of paying this debt but cannot afford what they are demanding.

 

 

Can someone please help me and advise my next step- I am at my wits end.

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Welcome to CAG,

 

Let me be the first to say please relax, Lowells is a DCA meaning they can't send Bailiffs, there all bark and no bite.

 

Contact Littlewoods not Lowells with this letter.

 

Your address

 

 

There address

 

 

Date

 

 

Dear Sir/Madam

 

 

Account No: (Put your Littlewoods Account Number Here)

 

I am writing to inform you that I am seeking advice and assistance regarding my current financial difficulties.

 

To this end, I would appreciate it if you could hold action on the above account for a period of at least 30 days.

 

Also, during this period, could you please freeze interest and/or any other charges accruing on the above account.

 

I will contact you again with further details of my financial situation and my proposals for repaying my creditors as soon as possible.

 

 

I look forward to hearing from you.

 

Yours faithfully

 

Name Printed

 

 

Only sign if you've signed something before for them or it's not needed. This letter can give you some breathing space. So you can either come up with the money. Only pay what you owe, Do not pay any of Lowells charges or interest.

 

Also check your statements for any "£12" charges, if you have any you can claim them back. we will run you through how if needed.

 

If you can't come up with the money, you'll need to do a budget sheet and give token payments of £1 until you can.

 

Andrew

We live in a world where seeing is not believing, where only a few know what really happened.

NatWest Problem *****Refunded*****

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if the debts been sold

little point in pulling littlewoods string.

 

 

how old is this debt?

 

 

is this on your credit file?

 

 

how much of the debt is £12 ENALTY fees from littlewoods

and have your their PPI too?

 

 

cat debt are VERY low priority.

£1PCM at best

 

 

have you ever sent lowells a CCA request?

 

 

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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Thank you both for your replies.

 

In reply to Dx100uk:

 

how old is this debt? 2010

 

is this on your credit file? Yes

 

how much of the debt is £12 ENALTY fees from littlewoods None though on the letter of claim there is an estimate interest charge of £43

and have your their PPIlink3.gif too? No

have you ever sent lowells a CCA Request - No

 

So would my first steps be to cca Lowells and write to bcleagal and say that I am disputing this?

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just send the cca request

bw are lowells.

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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yes

 

 

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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  • 2 weeks later...

Hi

 

 

I sent a cca letter to Lowells and I also sent a letter to bw legal stating my financial situation and offering a payment, but they have just ignored me as I have today received a court claim.

 

 

I now need to log on to moneyclaim and respond - Please help

 

 

I am now worried I will end up with a ccj

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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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fill the link in 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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Name of the Claimant Lowell

 

Date of issue – . 15 Jan 2015

( disputed and evidence given to the court within the time period given)

 

What is the claim for –

 

The Claimant's claim is for the sum of 263.54 being monies due from the defendant to the claimant under a financial service.

Dated on or about 15/07/2010 and assigned to the claimant on 26/01/2012

PARTTICULARS a/c no ...........

Date Item Value

26/01/2012 Default Balance £188.54

What is the value of the claim? £263.54

Is the claim for a current or credit/loan account or mobile phone account? Catalogue

When did you enter into the original agreement before or after 2007? After

 

Has the claim been issued by the original creditor

or was the account assigned and it is the Debt purchaser who has issued the claim. Assigned to Lowell DCAlink3.gif

Were you aware the account had been assigned – did you receive a Notice of Assignment? NO

Did you receive a Default Notice from the original creditor? yes

Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No

Why did you cease payments? Change of circumstances

What was the date of your last payment? Mid 2013

Was there a dispute with the original creditor that remains unresolved? No

 

Did you communicate any financial problems to the original creditor

and make any attempt to enter into a debt managementicon plan? No

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have you ack'd the claim on MCOL?

 

 

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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defend all

leave juris untick

 

 

 

 

USE THE MCOL WEBSITE

 

 

create a user

then log in

 

 

click a claim against me

 

 

enter the required details from the claimform

 

 

you don't need to post anything

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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Hi dx

 

Thanks for the advice

 

bit of bad news

 

when i went onto moneyclaim.gov i signed in i had noticed mt partner had already gone ahead and filled in the defence and offered them £47.00 instead of the original offer of £4.70 i had offered them by post .... !!! ANNOYING !!! is a understatment

 

help ! so can i rettract and edit the defense that my partners had input unaware of what they are doing.

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you don't need to file a defence for a month yet!

 

 

not sure

 

 

have you tried to undo it or change it to blank.

 

 

never had this before '''opps!!

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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Hi Dx

 

yes i have stressed that to my partner!

 

i have tried to amend the document but there is no options to change the text looks fully submitted ....

 

What i can do for now is fill the postal claim and give the court a call in the morning saying i have made a huge mistake and see if i can retract the document and start again

 

Thanks

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I've asked for andy to pop in.

 

 

you might be able to phone notts and get the mcol claim entries reset

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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Have you defended in full ? what defence has been submitted ? There is no provision to make an offer if you defending in full...unless you have made a partial admittance?

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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Have you defended in full ? what defence has been submitted ? Their is no provision to make an offer if you defending in full...unless you have made a partial admittance?

 

Thanks for your prompt reply Andy

 

I think what has happened is during the confusion we have ticked the partial admittance as we have already sent an offer of reduced payments a couple of weeks ago to bw but they did not reply. It is only now that i realise that bw mayben ot who i owe but littlewoods - I feel that I have made a total mistake and do n't know which way to turn now.

 

Wou ld ibe able to ring the court and explain my error and ask if I can amend? :???:

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As the claim was only issued 5 days ago...you still have your 28 days if defending in full...ring MCOL Northampton and explain that you would like to retract your plea and change it to defend in full. MCOL will advise.

 

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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As the claim was only issued 5 days ago...you still have your 28 days if defending in full...ring MCOL Northampton and explain that you would like to retract your plea and change it to defend in full. MCOL will advise.

 

Andy

 

Thanks Andy

 

Rang the court and an agent w ill get back to me in the next 24hrs.

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