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Lowell Pre-Legal Assessment letter

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Hello everyone 😬 it’s my first post.

 

Have received Lowell Pre-Legal letter as title shows. It relates to 3 separate debts...

 

1. Capital 1 credit card £331.73. Last payment on the account was May 2013.

2. Vanquish credit card £725.86. Last payment on the account was September 2013.

3. Vodafone £1479.88. This one is NOT on my credit report.

 

As yet I’ve had no communication with Lowell and really would appreciate advice on my next move.

 

Thank you in advance!! 👍

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DCA's are not bailiffs and have no more legal powers than you or I.


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We could do with some help from you.

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Thank you for the replies.

 

Am I correct in thinking I should wait until a letter of claim is sent before sending a cca request then?

 

I know you’ve all answered these posts a million times previously but because I have had no contact with them since 2013 and I know we are coming up to the 6 year mark I am anxious to not suddenly get in contact if I could wait it out?!?!

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if all you've got is the pre-school letter ignore them

UNLESS you've moved since taking these debts out?

 

await the PAP letter


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 

 

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Yes I have recently moved to this address (4months) and letters have started since month 2/3

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then you leave yourself open to backdoor CCJ to the old address that you'll know nothing about

hence why they are sending phishing letters to your new address.


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 

 

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Ok so what should my plan of action be? Many thanks in advance!

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when did you take the cards out


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 

 

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One was December 2012 and the other March 2013. With reference to the Vodafone account I have no info as it’s not on my credit report. Thanks

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ok tell us about this voda debt it might be the best one to write and state its all foreign roaming or WHY as I doubt its charges to end of term..

 

tell us the story.


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 

 

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I believe it was a contract taken out with a new phone by an ex partner in my name. Payments were then stopped and I was liable for the contract.... no idea on dates or anything as I have no record of it and nothing on my credit score account. ☹️

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then simply send them the prove it letter from the debt collection section of our library

 

that'll give them your new address

and wont invite letter tennis about the others.


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 

 

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Ok will do. Many thanks for taking the time to respond.

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ONLY on the voda debt!


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 

 

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ok thanks. I will update if/when I get a response.

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