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Lowell Pre Legal Assessment Letters for CCs and a store card.


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Hi -

 

I've recently received three letters from Lowell headed 'Pre Legal Assessment' that goes on to say they are deciding whether to pass my account(s) to their legal team.

 

Has anyone seen these before and should I do anything? I wasn't sure if I should send the Prove it letter or CCA request. They are for CCs and a store card.

 

I have moved since the debts defaulted and they are around 5 years old.

 

I have a scan of the letter with personal info obfuscated if anyone would like to take a look to make sure? I know the legislation for LBAs changed recently, so wasn't sure if they are allowed to send me a court claim next or it would be better to wait for an actual LBA.

 

Thanks for any advice.

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Ignore them. Theyre phishing letters. Feel free to post it up if you want.

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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It isn't a LBA not is it a PAP (pre action Protocol) you're safe to ignore the little darlings.

 

What's the debt all about?

When taken out, how old, last payment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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whats the debt all about please

tell us the 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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Thanks both.

 

Just worried they'll slam a court claim or something on me and I'll have a CCJ. Could they potentially send an LBA to my old address even though they are writing to my new one? (Moved around 4.5 years ago)

 

What's the debt all about?

When taken out, how old, last payment.

 

They're 3 separate ones - two credit cards and a store card.

 

Taken out in 2009, 2011 and the other doesn't show on my noddle credit report so not sure.

 

Stopped paying in early 2013, but the default dates are quite a bit later - October '13 ish.

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THey cant just slam a court claim on and you get a CCJ. Theres a whole lengthy procedure to go through for every debt. They cant file an lba on your old address as they obviously know your new one.

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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so not statute barred then

 

you've not informed them of your current address formerly

so they can quite correctly file to an old address

 

3 times CCA request time me thinks

that will serve 2 purposes

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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If theyre writing to her current address dx, they already know the OP is there. If it gets served on the old address, the OP could claim the DCA knew she was at the new address anyway but still filed on an old one

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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This is the letter they've sent...

 

[ATTACH=CONFIG]70565[/ATTACH]

 

Just a silly threatogram hoping the word legal scares you.

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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If theyre writing to her current address dx, they already know the OP is there. If it gets served on the old address, the OP could claim the DCA knew she was at the new address anyway but still filed on an old one

 

no they are PHISHING LETTERS

they have not legally/formerly been informed by the debtor that they have moved.

 

that's WHY they send these phishing letters

they hope they don't get a response then they know the backdoor CCJ will work!!

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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no they are PHISHING LETTERS

they have not legally/formerly been informed by the debtor that they have moved.

 

that's WHY they send these phishing letters

they hope they don't get a response then they know the backdoor CCJ will work!!

 

They have been writing to the new address for years though and have already got a ccj registered to my new one I think from 2014.

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what do you mean you THINK?

if they didn't send the claimform to where you live NOW

then theres your perfect explanation of how a backdoor CCJ works when you don't update creditors but run away.

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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what the claimform pack?

not the CCJ itself?

and you just ignored it?

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 good

then ignore them on these new letters

they think they can mug you again.

we'll you've CAG now.

just DON'T ignore a letter of claim or a claimform again.

come here ASAP .

 

so whats happening with this 2014 CCJ?

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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aw shame it was for a mobile

they are easy and simple to defend

as the money claimed is all for providing a service till end of contract that I bet you didn't use anyway.

 

look in the financial legal forum

and the success forum off that

 

nice bit of reading to do

the more you read

the strong WE become.

 

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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Ahh. TBH I wish I had done research at the time however I have learned a great deal since and having the CCJs (one from link too) has taught me to be so careful with my credit file now so it’s been a hard but good lesson that I may not have learned otherwise. My credit file should be perfect in a couple of years! :)

 

Ps. Thanks for your help today!

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ohh one from LInk too

the biggest fleecers out there

don't tell me Barclaycard?

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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Haha, yep! Got it in one. Paying a few pounds per month on that one unfortunately.

 

Out of interest, are there any examples of what the proper pre action protocol claim forms look like from the new legislation passed in October 2017? I’d like to know what I’m looking for if they send one.

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https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

 

so you let the link claim run undefended too...

are you paying what a judge ordered

or just blindly ran link and agreed a figure PCM?

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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