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    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
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Lowell PAP now Claimform - Cap1 Card Debt


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Hi not heard anything from Restons but I now have a letter from lowell solicitors about a different debt on a capital one card.

 

They have sent me the same PAP letter so I am going to send a CCA to lowell financial and the IBA to lowell solicitors.

 

Just wondered do I send the CCA to lowell financial P.O. box no at Northampton or their head office in Leeds. Lowell solicitors is the same p.o. box no as lowell financial. Thanks

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I have received a letter from lowell solicitors about a debt on a capital one card that was sold to Lowell Financial. They have sent the pre-action protocol form to complete.

 

I need some advice please.

 

Am I right in sending a CCA to lowell financial with the £1 postal order and the completed PAP form back to lowell solicitors completing box D and I?

 

Just wondered do I send the CCA to lowell financial P.O. box no at Northampton or their head office in Leeds. Lowell solicitors is the same PO box No in Northampton as lowell financial in Northampton. Confused because if I send both letters to the PO box No's they are going to the same place.

 

Are they both in the same office? If I send the Lowell Financial CCA to Leeds will they still get it or do I send it to the PO Box No on their letter?

 

Lowell solicitors letter is dated 24th May so My 30 days are up on 23rd June.

 

Thanks

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We could do with some help from you.

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Trent House, Station St, Nottingham NG2 3HX CCA request recorded delivery, advice on PAP will be forthcoming

 

Thank you.

 

Is that Lowell Financial address or Lowell Solicitors?

 

I have a Leeds address for Lowell Financial at Savannah Way, Leeds and also a PO Box for Northampton.

 

So do I send the Lowell Financial CCA to the address at Northampton that you quoted.

 

Sorry about this I am just confused as to what to send to which address.

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Is this Capital One at Trent House, Station St, Nottingham NG2 3HX?

 

Please can someone help.

 

I thought the CCA had to go to Lowell Financial and the PAP back to Lowell Solicitors.

 

I am unsure of Lowell Financial address as just have PO Box No in Northampton but though Lowell Financial were in Leeds.

 

Can someone clarify.

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Post #4 in the above link I have posted.

We could do with some help from you.

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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.

 

I have read the links and done the CCA letter using the template.

 

Completed the PAP following the instructions on the link.

 

My concern is where to send the CCA for Lowell Financial.

Do I send to the PO Box No in Northampton or their head office at Savannagh Way in Leeds?

 

The address at Trent House in post #2 is for Capital One.

Just wondered why I would send it there as they are the original creditor and not the DCA that has bought the debt.

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 No oc has sold it

Nothing to do with them

Cca goes to lowells

Andy has given the address

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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That what I understood CCA goes to Lowell Financial.

 

I must be missing something here as there is no address in post #4 just a link which takes me to the PAP protocol page.

 

I'll just send it to both the PO Box No at Northampton and their head office in Leeds I guess.

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Post 3 old cogger

Sorry i couldnt count id put me sox back on too early.....:lol:

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 worries.

 

I didn't think this was the Lowell financial address - google tells me it is capital One head office (Trent House, Station St, Nottingham NG2 3HX) post #3

 

I need to send to Lowell financial who have bought the debt from Capital One.

 

Just need the Lowell address if anyone knows it or do I just send to the PO Box No?

 

PS hope the socks were clean :-)

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  • 6 months later...

Hi

 

In response to me sending back the completed PAP to Lowell Solicitors back in June 2018 I have now received a letter from Lowell Solicitors enclosing copy of agreement, default notice & notice of assignment.

 

Please can someone advise what I should do now before they continue with the Pre-Action Process?

 

I had completed sections D and Section I of the PAP back in June 18.

Lowell Solicitors response 2nd Jan 2019.pdf

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no the original copy is readable but I have tried to get the upload clearer.

 

Any advice on next step?

 

I have scanned again and it is a bit clearer.

 

The text is so godamn small on the capital One agreement but readable with my glasses on!

 

The transaction details are just on plain paper with no company heading so could these be made up?

 

Can someone advise if they have sent all the required papers I requested in the completed Pre action reply form back on 18th June 2018.

 

Having only received their response back on 2nd Jan 2019 is this acceptable?

 

Please advise as I am unsure how to respond to this and have been looking for info in the forum.

 

Kappers

SRLI_SVH_KO19011109550.pdf

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looks in order to me.

so almost SB'd then...

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 dx100. yes my thoughts were it should be SB'd May this year.

 

I cant access the library on here to use the letters and no response from admin how to register.

 

What do you think. Do I just wait now and see what happens after 30 days or set up a payment arrangement.

 

I cant find out the right advice what to do.....

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probably just a clitch.

 

what letter were you after...don't think we've advised you to sent any pointless letter tennis?

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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Was thinking of an SB letter but am not sure.

 

Yep I did ask for advice and would like some on what to do next with the response/papers that Lowell Solicitors sent me.

 

Do I just go ahead and pay somehow.....

 

Can anyone give me some advice please

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no its not SB'd till april.

 

not a lot you can do.

 

sit on your hands - hope they don't issue a claimform thru northants bulk before then

 

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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  • 2 months later...

Hi

After not responding to their last communication back in Jan 19 the debt was transferred back to Lowell Portfolio who started to send me debt chasing letters.  They then sent it back across to Lowell Solicitors who have now sent me out a letter of claim with the pre-action protocol form to complete again giving me 30 days.

 

Is the debt statue barred yet as last payment was 23rd Apr 2013?

 

Please can I ask what to do now.  Do I fill in the PAP form again requesting the account paperwork again?

 

 

Lowell Cap One 060419.pdf

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threads merged 

please keep to one thread.

so you've already sent the pap stuff back before?

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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