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Lowel/Carter claimform - cap1 credit card debt


rob14973
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Will i have to phone them to find who to make the cheque payable. If so i hope i can obtain this info without disclosing who i am or does this not matter?

 

Letter ready to go ! just need to sort cheque and i will send special delivery tomorrow.

Edited by rob14973

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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If it was me, I would pay Cap One by internet banking (sufficient to bring the debt fairly well below £750) and advise all parties that a payment has been made. You want to make sure the funds are applied against the correct account and identifiable and not a gift.

 

All sent today they will receive in morning.

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  • 2 weeks later...

Well still awaiting receipt??? Do u think i will get one?

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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  • 2 weeks later...

Ok quick update, just received a photo copy of my credit agreement and the new balance which now falls under £750.

 

However the phone calls have now re started probably trying to get more money out of me.

 

Anyhow this week will see me send of my prelim letter to get my charges back.

 

Thanks for all your help

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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  • 1 year later...

Hi

I think a SAR 'might' get them although I think it will be a long shot. You would need to stipulate what you want. I think the wording ought to be that you want all T's&C's from inception of the account and all variations since.

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

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 4 years later...

Hi

Just when I thought they had gone away :/

 

This morning I have received a County court claim from Bryan Carter solicitors on behalf of Lowel claiming I have an outstanding debt of £750.

 

This account was in dispute in 2008 for bank charges which cap1 never paid out for it went as far as an lba letter.

 

Cap1 sold the debt to Hamptons who then tried a stat demand in 2010.

 

The original debt was for 900+ after advise from this site it was advised to pay £150 for it to get below £750. After this Hamptons sold on the debt to Lowell.

 

lowel have bombarded me with the usual scrap paper for a few years now until this.

 

however i thought the debt was unenforceable as it was older than 6 years old and its no longer on credit file ? plus what is the next step please advise.

 

rob

Edited by robs14973

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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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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Hamptons were Lowell... But good thinking! But then again it can t be SB because of a payment being made :/ Meh, theyve strung you up.

Fill in the link by DX and let us know everything.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Can't see your old thread

Have you changed username since them?

 

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 PORTFOLIO I LTD

Date of issue – 14.10.2015

day to submit defence = 16.11.2015 (33 days in total) - nope 33 days is the 15th

however that's a sunday so file bt 4pm the previous Friday...edit by DX.

What is the claim for –

 

1.THE CLAIMANTS CLAIM IS FOR THE SUM OF 750 BEING MONIES DUE FROM THE DEFENDANT TO THE CLAIMANT UNDER AN AGREEMENT

REGULATED BY THE CONSUMER CREDIT ACT 1974 BETWEEN THE DEFENDANT AND CREDIT CARD UNDER ACCOUNT REFERENCE ********

AND ASSIGNED TO THE CLAIMANT ON THE 19/12/2008 NOTICE OF WHICH HAS BEEN GIVEN TO THE DEFENDANT

 

2.THE DEFENDANT FAILED TO MAINTAIN CONTRACTUAL REPAYMENT UNDER THE TERMS OF THE AGREEMENT

AND A DEFAULT NOTICE HAS BEEN SERVED WHICH HAS NOT BEEN COMPLIED WITH

 

3.AND THE CLAIMANT CLAIMS £750

THE CLAIMANT ALSO CLAIMS STATUTORY INTEREST PURSUANT TO S.69 OF THE COUNTY ACT 1984 AT A RATE OF 8% PER ANNUM

FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT

TO DATE BUT LIMITED TO A MAXIMUM OF 1 YEAR AND A MAXIMUM OF 1000 AMOUNTING TO £60.

 

What is the value of the claim? £900

Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? CREDIT card

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

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. DEBT PURCHASER

Were you aware the account had been assigned – did you receive a Notice of Assignment? CANNOT REMEMBER

Did you receive a Default Notice from the original creditor? YES THINK SO

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

Why did you cease payments? DISPUTED ACCOUNT OVER CREDIT CARD CHARGES

What was the date of your last payment? 10/03/2008

Was there a dispute with the original creditor that remains unresolved? YES

Did you communicate any financial problems to the original creditor

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

Edited by robs14973

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

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rob14973 is my old account

 

Just looking through my dispute over charges the debt was sent across to Hamptons

and when i challenged saying the account was in dispute they sent it back to Cap1

and when cap1 sent me a partial offer which i rejected they sent it back over Hamptons to pursue.

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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at present I cant find your old thread on this

getting usernames merged

 

 

NOTE: you have the def filing date wrong above..go read and note it down.

 

 

have you ack'd [aos] the claim yet?

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 I see I got that wrong drrrr ok its noted Friday 13th .

 

 

No I have not acknowledged yet due to technical issue.

Edited by robs14973

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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get it done.

sooner the better

 

defend all

leave juris unticked

 

get a CCA request running to lowells

 

and a CPR 31:14 from the legal section of the library running to farter.

don't sign anything

leave the £1PO blank

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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Fao dx

 

DX

 

 

I have just bumped my other thread from other account title is :

Hamptons Legal statutory demand please help.

 

Hope this helps

 

Been looking through my paperwork and found a credit agreement from the time of stat demand I requested. I will get CPR sent.

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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follow the UPLOAD guide

 

 

but don't forget it not what you hold

but what the fleecers can produce NOW

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 will have to scan it on tomorrow evening. Anything I need to be looking for on it?

 

Rob

 

Ok I will resend for the cca :)

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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and a CPR31:14 to farter legal section of the library tab.

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... 

Link to post
Share on other sites

threads merged and tidied for history

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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Ok finally managed to get signed into mcol however claim number or password don't match :-x so will try in morning. thx for the advice much appreciated.

 

 

Rob

HALIFAX

12/09/06 Halifax settled in full £8500:D

MBNA

28/11/06 MBNA Settled in full £2300:D

 

Capital one

Putting together n1

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