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gibster1957

Lowell Claimform - HBOS credit Card

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is this the std lowells n180 [hey this is what we are going to send. but wondered if we can frighten you into settling now for a reduced figure? before we do]..letter?

]

how much are they knocking off the £3k owed?

 

dx

 


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They aren't knocking anything off dx, its just the directions questionnaire agreeing to the small claims mediation service.

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then that's std for lowells.

pers id let this run

you can always do a tomlin order later

as andy says 

they might fold

id go rigt thru to WS stage and see what they come up with that we cant counter to any reasonable success


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

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So should you get into mediation or negotiate directly thats your starting point....less £1000...there should be no interest once an agreement has been terminated.

Suggest a possible tomlin order on an mutually acceptable figure ?


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Thanks for that dx/Andy, so to get this going do i write to Lowells offering a Tomlin order ( minus the interest that was added during the period the account was live) and a sum that is affordable to me.

Thanks

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Its an option I'm not stating thats what you do....depends if you wish to proceed.You dont offer you suggest...only the claimant can arrange a tomlin order..its for you to agree/negotiate it.


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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

 

If you want advice on your thread please PM me a link to your thread

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Ah ok, thanks Andy. As of yet i have heard nothing from the court since i received the N180 from lowells.

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Hi Guys,

Today I have received the N180 from the court plus a EX730 mediation form.

 

I now have to decide which way I want to go with this. My gut feeling is that they don't have the full cca and default notice however I don't want a ccj on the chance that I lose.

 

Lowells have agreed to mediation

I would like to know ( if someone has been through this) what questions you are asked by the mediator .

 

It also states on the N149A ( Notice of Proposed Allocation to the Small Claimes Track) that I have to serve a copies of the N180 to all other parties so I am assuming I have to send a copy directly to Lowells Solictors?.

 

It also states on the N180 that even if I agree to mediation I have to fill in the rest of the form however on the mediation form it states that if I agree to mediation I tick yes in box A1 and complete section B.

 

Final question is that it states on the N149A that if I agree to the mediation to contact them ASAP but wouldn't returning the form be enough.

 

Sorry for all the questions guys, really appreciate your help.

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Yes to mediation

1 wit you

the rest is obv

 

3 copies

1 to court

1 to lowell sols minus email/phone/sigi

 

The rest is obv


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

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Thanks dx, much appreciated, will get it off to them.

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