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Lowells Portfolio and Lloyds unfair bank charges


skurvy
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Hi

 

I was wondering if anyone can help me at all;

 

I have received a letter from Lowells Portfolio demanding that I owe them £1268.53. But I DO NOT agree with them at all!!

 

To explain what happened, there was unsufficient funds for a Direct Debit to go out (literally making me go £2.00 overdrawn). I then received a letter demanding that I now owe them £60...which is just unreasonable.

 

A couple of months later, I received a letter demanding £400...so I decided to call Lloyds bank and got through to an call centre in India who confirmed that I am being charged bank charges everyday for the failed Direct Debit. I tried to offer them a settlement of £50, but they would not reason. I even went to see my local branch who confirmed I am being charged bank charges daily and I need to speak to their debt team (which was the team based in India, that I had previously spoke to).

 

I'm just wondering what the best route to take with this is because I understand I need to submit a sars request to Lloyds? But I'm really concerned by Lowells as I have dealt with them in the past and I know they will just issue proceedings.

 

Any help would be much appreciate....I physically feel sick thinking about the battle I have got ahead of me :|

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Send your DSAR to Lloyds and gather all your evidence in anticipation of any litigation...ignore Lowells.

 

Regards

 

Andy

We could do with some help from you.

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Send your DSAR to Lloyds and gather all your evidence in anticipation of any litigation...ignore Lowells.

 

Regards

 

Andy

 

 

Okay thanks for your advice!

 

just I'm really worried about it. Is this something i can defend? It just seems ludacris, it was literally £2.00 and now spiralled to £1200.

 

I feel like they're targeting me after I just paid a previous debt to avoid a CCJ.

 

Just hope i can fight this!

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Just file all their letters and build a defence in anticipation of any litigation.....dont ring or write back to them.

 

What date did you last use and service this account?

We could do with some help from you.

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Ok will definitely not correspond will Lowells. Although should I not tell them that there is currently a dispute?

 

I think it was around 2009, but will have to double check as could possibly be early 2010? I told them to close the account as I will no longer be using it (as there was no reasoning with them) and proceeded to move everything to Santander instead.

 

I will send the DSAR off today via recorded delivery to Lloyds and then I will know what route of action to take. I think it may possibly be coming up to being stature barred, as I know this is the debt Lowells seem to go after!

 

But seriously £2 has now equated to £1266 worth of bank charges. I just don't know what route I can go down if it's not stature barred.

 

Thanks Andy for all your help and sorry I'm a stress head!

Edited by skurvy
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Pinpoint the the date of last activity...if it is or coming up to SB then we will show you how to string it out until SB or how to deal with it if already SB.

 

Andy

We could do with some help from you.

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Just been into my local branch and they cannot find me anywhere on their system.

 

So yes my DSAR request will be getting posted today.

 

Thank you for your help, will keep you posted! (just hope Lowell don't issue proceeding in the meantime)

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  • 3 months later...

Right I've finally received his SARS request through and from what I can see the 'last activity' was October 2009; so it's only three months away from being SB. This is the crucial stages where stupid Lowells tend to issue proceedings :|

 

I am going to dispute it with Lloyds for him anyway as per the Financial Ombudsmans guidelines, as his notes clearly state customer advised 'lost job' etc every time they have called him.

 

Although in the meantime, what is the best thing to do with Lowlife's?

 

Any help would be massively appreciated.

 

Many thanks

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What was the activity?

His. Or automatic?

 

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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Would a Bcobs complaint work here?

 

This is what I was thinking

 

Lodge a formal complaint under BCOBS

 

Appeal their responce

 

Refer it to FOS (just to drag time out a little bit)

 

In meantime you could then tell Lowells that the "alleged" account is now formally in dispute which I imagine would prevent litigating but keep the clock ticking :)

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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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pie in the sky really.

 

 

a dispute is not a magic bullet against 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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Sorry for the delay in responding, just had to double check his paperwork. It's a mess tbh as he kept putting money in to cover the OD charges...

 

But yes the last time he used the account was to pay for something on 6th October 2009.

 

Just a nightmare, as Lowells think they have got him as he stupidly paid them money earlier this year (on something completely different)...so they think he's an easy target and are threatening to issue proceedings on another debt of his.

 

This is why I have started to help him with it, so I really do appreciate ALL of your advice and will of course be making a donation, once this is all behind us! They rely on people like him not fighting back...really frustrating.

 

So do you think the best thing to do is to lodge a complaint and then send Lowells W/P dispute letter. Good thing is they have their date as being default in March 2011 (must be from when Lloyds sold the debt on) :]

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ok so a way to go objectively then.

 

 

think I'd knock up a spreadsheet or something

and say to lowlife.

 

 

this account was only £2 OD then Lloyds wacked on over +£1200 charge in XX months

I will willingly take this to court using BCOBS

and get my charges back through the court as it has devastated my credit rating

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 personally would lay low until October + if they litigate before then you have a perfect defence....easier to defend than to attack.

 

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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