Jump to content


  • Tweets

  • Posts

    • Ok so here we go, amounts are vaguely rounded...I currently have an active contract with 3 that I have had for about 6 years, and have never had a contract with EE:   Name of the Claimant: Lowell Portfolio Ltd   Date of issue: 5th November 2019   Particulars of Claim: The Claim comprises the following Agreements the Defendant entered into: a) EE Limited with reference x and current balance of £100 b) Hutchison 3G UK Ltd with ref x and current balance of £150 c) Hutchison 3G UK Ltd with ref x and current balance of £750   What is the total value of the claim? £1200   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes, but I don't have the letter   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? I moved temporarily to multiple other addresses abroad and in the UK, then returned to the original address.   Did you inform the claimant of your change of address? No I have never spoken to, acknowledged or written to the claimant, but anyway I have kept my current address as my permanent address for most correspondence including for banking and phone contracts. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? 3 (the number) mobile phone accounts (2 by 3 (the company))   When did you enter into the original agreement before or after April 2007 ? After (one I don't believe I ever entered into), all would have been between about 5 and 6 years ago   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? I'm not sure   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. All debt sold to Lowell Portfolio   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (but I don't have it)   Did you receive a Default Notice from the original creditor? Not sure, likely yes (I was living abroad during the last 4 years )   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure, likely yes   Why did you cease payments? Financial reasons   What was the date of your last payment? Unknown, likely between 5 and 6 years ago   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No    
    • right lets clear some things up. private parking and proof of parking. The y have used ANPR to capture some inages of the vehicle enteringa dn elaving the land but you sound like you are trying to attack this from teh wrong direction regarding proof. they wont drop the matter so you have to dig up the dirt trather than jsut say prove it to them   tell us the hire co was for starters, ther may be peopel who have experiance that can help ypu without saying anything to the parking co at all   name the palces and as you went there I hope that you had read a load of threads here and can supply us with a bettery of images to shwo us what you are on about. If you cnat then you will be going back there again, not only to show us but to appeal the tickets anyway so it wont be a wasted journey. lasty we would like you to try and sneak soem pictures of teh vahicle you hired to show any small differences with the ones in the parking pictures, ie different reg palte makers mark, things stuck to windows, colour of interior of vehicle etc. any small change will help you show that the plates have beeen cloned. YOU have to do the legwork, no-one else is interested until the time someone gets run over.
    • Dont really think that cuts it.. simply the above only covers your set aside reason.   put the you have evidence you informed the original creditor of your current address on xxx ..some xxx months/years before the ccj.   id also drop the embarrass ed defence bit at the end.   what defence are you offering that you dont owe the money? Simply saying the claimant might not have paperwork is immaterial. The ccj trumps that.  
    • ther thing we need to do is identify the land correctly, so state where exactly it was. If you mean the Tesco/aldi car park  then there is a sign at the entrance but that isnt an offer pf a parking contract with charges fro breaching it so maybe an invitation to teat at best. Cant tell who it is with though so not good for these bandits
    • Hi,   I've been sent a claim form from Hoist finance UK Holdings, after speaking with them I believe it's with Robinson way.   I dont recall ever being sent a letter of claim beforehand, the debt is a Barclaycard and the amount if around £1500.   Speaking to robinson way they are unwilling to negotiate with me and simply told me to return the claim form.    Is there anything I can do to avoid the CCJ, I'm happy to arrange a payment plan with them and certainly would've if a letter of claim was sent.   Thanks 
  • Our picks

Annonymum

BW/Lowell cat Debt scotland

style="text-align:center;"> Please note that this topic has not had any new posts for the last 598 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there,

 

I’m hoping I can get some advice from all you knowledgable people on here.

 

We have a few debts which have ran up but this one that’s raised its head was originally a Simply Be account which was passed over to Lowell.

 

Had the usual threatograms from them and now it’s been transferred to BW Legal. They sent a couple of letters and now have passed it to BW Scotland.

 

The letter today says full payment or contact required by 5th April or they may start court proceedings.

 

Now I have looked into this and I can see lots of cases where they have gone for court action, but those letters seem to be worded differently to this one.

As it says we may issue proceedings not we will.

 

Is this something I need to worry about or should I just keep ignoring for now?

I don’t want to contact them as I’m very easily bullied by them and end up agreeing to things I can’t afford. Hence always being in trouble!

 

Any advice would be greatly appreciated.

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

Retitled and moved to Scottish forum

 

Last payment date?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you for moving for me. I’m not sure exactly, but would guess at at least 1 year since we paid it. We stopped when my husbands work went into administration and he was made redundancy with no pay. That was 3 years ago and I’m sure we struggled for a while and then had to stop paying.

Share this post


Link to post
Share on other sites

How much

Is this on your credit file?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Yes it’s on credit file. Just had a look and last registered payment was Nov 16. It’s for £1.2k, can’t see a default date on clearscore but must be after Nov 16 anyway.

 

Just had a look at the letter again and it’s titled letter of claim, but all says may rather than will, so hoping that makes the difference.

 

The account was opened and ran online, no physical signatures have been made by me on the account.

Share this post


Link to post
Share on other sites

is it a pre action protocol letter of claim?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

read it properly... DOES NOT SAY WILL anywhere...


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Ok, so is this just another scare tactic? Was just worried as I’d read online that BW always go for legal action. Thank you for all your advice :)

Share this post


Link to post
Share on other sites

Just remember

a DCA or their fake/tame solicitors

are

NOT BAILIFFS

and have

ZERO LEGAL POWERS..

 

all they can do is the same as you or I if we think someone owes us money

issue a claimform


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thank you Dx100uk, I managed to sleep a bit more soundly last night.

 

If they do go for a claim form, do I lose the chance to pay in instalments, as I can’t afford to pay it in one go, or else I would.

 

Sorry for sounding so stupid about this, I thought we had sorted nearly everything and then this happened.

These letters always scare me!

Share this post


Link to post
Share on other sites

even if you get a decree you can still pay in instalments yes

 

let it run


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...