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      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
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      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Lowell/Lowell solicitors claimform - old vanquis card 'debt'


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Hi All,

 

I'm looking to get some advice on my next move as I can't seem to find the answer easily online and fed up of spending time on the phone to NCCBC and being on hold....

 

on the 03/10/2016 I received a Claim form dated 29/09/2016 from Lowell Solicitors claiming I owe Lowell Portfolio for an old Vanquis debt.

 

AOS with defend in full duly filed 18/10/2016

 

12/10/2016 CCA letter sent to Lowell portfolio..... as of yet not response.

 

12/10/2016 CPA and CCA sent to Lowell Solicitors,

Lowell confirmed receipt of request on 21/10/2016

 

 

Nothing heard from Lowell Portfolio or Lowell solicitors by 30/10/2016

 

 

a defence of no paperwork/CCA etc was filed on 30/10/2016 and received 31/10/2016 on the MCOL website.

 

Now my question is

what to do next as

 

 

I have not received anything from NCCBC or Claimant in regards to allocation questionnaires etc etc

and over 28 days have passed since filing my defence.

 

Any help/advice would be greatly appreciated

 

Thanks

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the claim is stayed

 

 

nothing for you to do

 

 

if lowlife wants to progress things now

they will have to pay additional fees

and ofcourse produce an enforceable set of paperwork.

 

 

they issued a speculative claim hoping for a default rubberstamped judgement where nothing is checked

you called their bluff andupset them by defending.

 

 

well done

job done

 

 

go enjoy your life.

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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hope nothing to notify you upon.

 

the claimant issued a speculative claimform by which the rules of doing such state

that once the defendant has filed a defence they have 28 days to do 'something'

they didn't - its stayed.

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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Thanks for the info....... As of today nothing has been heard from Lowell or NCCBC

 

And thats the way you want it to stay:-)

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 thread please PM me a link to your thread

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  • 3 weeks later...

my mind runs away with me from time to time

and over Christmas I got to thinking about Lowlife and Lowlife solicitors..

 

I am a bit concerned that I haven't even received a paper confirmation that my defence has been served upon the claimant. is this normal???

 

I know its way over 28 days since I filed my defence and I haven't heard a whisper....

 

Thanks in advance

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not unusual from those cretins, next week ring the court and ask if case stayed should be if no response received, by then, means that if stayed they Lowells would have to pay to un-stay the case, courts are closed until next week.

:mad2::-x:jaw::sad:
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I found out for myself that the courts were closed as I tried ringing today.... the cheek of it!!!!

how dare they have time off over Christmas....

 

I have to ask as my mind is getting my nerves today..

. Surely if I have filed a defence with MCOL then it has to have been served on the claimant??

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the court would have served on lowells,

nothing new in that lowells hope you do not respond and get a CCJ by default,

 

 

next they may try the allocation/mediation part then nothing,

 

 

see what happens next no telling with those cowboys, just ring the court next week

:mad2::-x:jaw::sad:
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now go re read post 4

forget about it

go enjoy your life

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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now go re read post 4

forget about it

go enjoy your life

DX.... I have read and re-read this thread many a time, and I was already enjoying my life before Lowlife interjected themselves into my life.....and all this doesn't stop me asking a question!!!!!!

Thanks to all of you for your advice/comments

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t was a speculative claim

hoping for a default uncontested rubberstamped judgement

where nothing is checked.

 

 

you found cag!!

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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  • 4 weeks later...

Update Time.....

Its seems Lowell Solicitors are trying their luck....

 

 

Back story..

Defence filed 30/10/2016.... defend all.

Confirmed via MCOL 31/10/2016.

No response from Claimant regarding defence.

No paper response from Northampton regarding defence.

 

 

85 days later I get a letter from Lowell stating that they have lodged a directions questionnaire with Northampton and that I should be receiving one soon from Northampton to file as directed...

Funny thing I find is that how come the claimants solicitor can receive and file a DQ before the defendant has even received one?? surely the court issues these DQ's

Also on the Claimants copy of the DQ they have stated that there will be no witness's available for claimant for the hearing (if it goes that far haha)

 

 

whole thing sounds like a crock o poo to me..

 

 

a couple days wait to see if anything turns up from Northampton then if nothing a quick call to the court to confirm the claim is stayed and no fee paid to lift stay...

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Typical tactic if you go read recent Lowell claims

Anyone can download the DQ form

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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Update.......

its been a couple of days since receiving the "we have filed our DQ with the court" letter from Lowell....

.

Still no sign of my DQ from the courts themselves yet!!!!

 

Been working away so unable to call the courts to confirm whether or not Lowells letter is legit or not. Will ring the court first thing Monday.

 

After reading several other threads regarding Lowell this seems to be their new tactic to try and fleece people...

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Update Update..... not that it matters.......

 

Spoke to the court today after waiting in the call Queue for what seemed like forever..

 

 

.. I was advised that the court had received a copy of Lowell's DQ also but could not act on it as they had not sent it out and the claim has and still is STAYED!!!!!

no fees have been paid to lift the stay or requests to lift the stay...

 

The guy at the court did say that this has been happening a lot from Lowell's over last couple of weeks...

 

He also stated that a letter had been sent to Lowell's stating the claim was and still is stayed, and any further action would need a Judges authority..

 

Nice try Lowell.....

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It snot just over the last few weeks. Its part and parcel of how lowells operate. its abase part of their business practice.

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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