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oneofakind

Partially Satisfied - Lowell 'offer'

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Hi all,

 

Back after a long break, good to see some of the old familiar names are still here....

 

My OH has a very complicated credit history.

Lots of accounts are being paid off under a plan which was originally put in place by CAB, then taken over by me once i discovered CAG.

 

She has just received an 'offer' from our good friends at Lowell

- a discount of 75% to pay off an old bank debt.

 

on receipt of payment they will 'update your credit file to show the account as partially satisfied and we will close your account'.

 

Now, would I be right in thinking that 'partially satisfied' is absolutely no use to us, and we should ignore this offer like all the rest?

 

Just to avoid the obvious questions,

this loan is certainly pre-2007;

we are not currently paying anything,

and i don't remember without digging into the mountain of files when the last payment or acknowledgement was.

All i need is an opinion on the 'partially satisfied' gambit.

 

:madgrin:


Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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Partially satisfied = sell rest on to another fleecer!!!

 

It would also reset the statute barred clock

 

UNLESS it was already statute barred in which case you should tell them it is so


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EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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It may well be SB.... most of my actions with these accounts date back to 2007/08 - as you'd see by my previous postings!

 

You've confirmed my suspicions, so this just gets added to the pile and ignored for now, while I check the SB status.

 

Thanks.


Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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It may well be SB.... most of my actions with these accounts date back to 2007/08 - as you'd see by my previous postings!

 

You've confirmed my suspicions, so this just gets added to the pile and ignored for now, while I check the SB status.

 

Thanks.

 

Spot on. Nice try Lowells! :lol:


 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Check your credit file, free on noddle. If it's dropped of your credit file hey presto

Two fingers to lowell.

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jus remember just 'because' a debt does not show on a credit file

it doesn't mean a debt is statute barred

 

 

it a good pointer, yes, but not 100% guaranteed

esp with a bank account.

 

 

SB'd status on a bank account could be several months or even years later

it will be when the bank called the OD in.

 

 

however, as with all bank OD's that DCA's purchase

9/10 the balance is littered with 'penalties' that were probably very unfair

and thus under the old OFT, now the FCA guidelines, unlawful too.

 

 

hence the 'discount'

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Also Lowell's offering a massive discount almost always means a lemon debt.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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