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Lowell claimform - HBOS OD - poss SBd

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Ok got you, good advise...I'll keep it to myself.


My defence has SB in it, should I change tactics when drafting WS.


I mean a friend of mine paid some money into my account as a surprise gift because I was struggling,  but it was swallowed up with overdraft charges.


If I knew he was going to do  so I could have given him an acc no with a different bank. 


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Just type

No need to use quote!!

A gift does not reset sb!!

When was your last payment?

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last payment: 25/01/13


Lowell didn't challenge my defence, didn't reply to CPR 31.14


 2 weeks ago they wrote acknowledging defence filed and hearing date, and asking for payment proposal without prejudice save cost and courts cost, insisting claim is valid.


record they registered only on noddle is wrong; default date 07/2013, debt amount inflated to be same as their claim amount? when they haven't won case yet.


DD they put was when OC closed acc.

OC never registerred default,

otherwise 2 records would show one from OC as settled then one record from DCA .


I'm thinking of challenging this through Callcredit and ICO if need be, ....is there any point of doing this?

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21 minutes ago, dx100uk said:

Now answer the question please

question answered in #28


Last payment was on 25/01/2013

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sorry you did it must have been off the screen.

was that a random payment or like one dating back a bit?




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18th Nov 12... but dec 2012 there and subsequent  months there are OD charges by OC


some OD charges were outrageous for 3 months before they closed account it was £150 (they said unauthorized) even though I didn't do any transactions at all, is it right?


the charges were increasing the balance  

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So court claim is now well stayed

all you need to do now is await the debt to fall off you file?

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will the fact they issued court claim before it falls off file count?


the other thing is acc was opened and operated in Scotland before I moved to England about 3 yrs, will case be viewed under Scottish or English law??

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Wont change anything..


it was opened whilst resident in scotland......

now you tell us!!..


its 5 yrs statute barred then debt is extinguished!

does not exist!



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Papers from SAR shows shockingly very high charges from 2009 to 2013 within period I lost my job and was struggling financially, can I seek refund from OC?


Just after calling OC and asking for complaint procedure and address, I received letter stating small % of charges will be refunded but paid directly to Lowell?


What's your opinion guys?




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no they cant do that.

and stop using the phone.



get a charges reclaim going


covering letter 

etc etc 


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