Lowell Financial or Lowell Portfolio 1 Ltd

[ODC]

Just to keep everyone updated about the carry ons of Lowell

 

I just recieved a letter after some 150 days saying the following

 

Dear Mr Scouser9

 

27 April 2007

 

Original Creditor Capital One

£568.90

 

Thank you for your correspondence concerning the above matter,we apologise for the delay in replying.

 

Following an investigation into this account, we can now confirm that this matter is now closed and no further correspondence should be recieved.

 

We trust this letter meets with your requirements.

 

Yours sincerely

 

Nigel Beaven

 

 

 

 

Hooray at last they have seen the error in their ways, so please people do not give up go after them that need to be gone after and do not loose sight of what you want to achieve.

 

 

Keep on fighting the right to fight

 

mikey

That letter should be sent to 99.9% of the people they and their paramilitary wing Hamtons Illegal try to pressurise ito paying unprovanble debts. Wonder if the W anchor who bought the Statute Barred debts from Capone has had his or her knuckles rapped yet

[ODC]

As usual the clowns are bluffing. £1 is all you are legally required to send for a copy of the CCA agreement. The other 24 quid is probably what they bought the debt for

[ODC]

DO NOT PAY, DO NOT TALK TO CLOWNELLS ON THE PHONE.

Send them the CCA letter template N. They are talking sh!t about 90 days. The law gives them 12 working days to produce a valid CCA. If the fail to do this then they are in default. One calendar month later they have committed a summary criminal offence. Why should you pay something which you may not even owe and Clownells may not even have a legal right to ask for it.

[ODC]

Swift reply from lowell.As my request for cca.

They reply:

Dear Jooper,

We are in reciept of your request for a copy of the executed credit agreement in accordance with Section 78 of the Consumer Credit Act 1974.

The agreement to which you seek is not a regulated consumer credit agreement and is not governed by the terms of the above Act.

Our client therefore has no obligation under the provisions of the Act to supply the information requested by you.

We would therefore request you contact us on the number below to put forward your proposals to settle outstanding debt.

 

Not sure what to do now,they also included my cheque for the one pound for the cca.

I really have no clue what to do now.Obviously I wont be calling them but am not sure what to do next?

 

Any Advice Greatly Appreciated.

 

What is the alleged debt for

[ODC]

They say is for Abbey National account.Ended in 2002 .I honestly dont remember having account with them.I have had a few bank accounts and have moved house a bit.So genuinely am not sure.Even if I did have an account with abbey I never had an overdraught with any account I had so can not see how acc ended 400 in the red.Unless was for bank charges which is again another story.

Again any advice greatly appreciated.I have no record of this account .

SAR Abbey to see if in fact they have any details on you. If Clownells say you had an account with Abbey make them prove it.

[ODC]

Jooper. I cannot really add anything to Lookings superb post. Just in case you havent already done so I would suggest you read the many threads on Clownells om here. You will then get a picture of the muppets you are dealing wiwiyj and how their threats progress. The golden rule is NEVER speak to them on the phone. Keep everything in writing, that way you have a paper trail when it come to turning the tables on them:D

[ODC]

FIRST OF ALL

 

NEVER CONTACT CLOWNELLS BY TELEPHONE.

 

By the sounds of things this debt is staute barred but with Clownells this is a standard tactic.

 

They will not be sending anyone to your door.

 

A caller from a DCA has absolutely NO LEGAL power whatsoever. If one should ever call at you house tell them to leave. If they refuse to do so telephone the Police and report them for a Breach of the Peace, or if you feel threatened by anyone then you can report them for a more serious matter.

 

If the letter you sent was the CCA letter then Clownells know they have 12 working days to comply before the alleged debt is in default.

 

The next letter you get will be the threat of bankruptcy etc. Again thi is just a load of sh1t.

 

This company bough a load of old Capone debts that are Statute barred and they do not even have the CCAs for them. The best you can hope for is a dodgy copy of an application form. Clownells follow a similar pattern with everyone. They will pass you on to a company cvalled Hamptons iLEGAL and eventually Red Debt. They are all the same company just different types of threats. Let the 12 days go past and then a calendar mont they will have committed a summary offence. If you are 100% sure the debt has not been acknowledged in writing by you or a payment made by you within the last 6yrs then send them the template Statute Barred letter.

 

If these monkeys ring you do not speak to them.

 

Do not worry. They are well known on here and we will help you get them off you back

[ODC]

Just go here http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/ click on the button forum tools and from the drop down menu click post new thread simple

[ODC]

Thank you OCD, you've been very helpful and I tipped your scales.

Everyone is helpful on here. Read the many threads there are on Clownells, Hampto iLegal. and Red Debt. You will get the picture on the sort of idiots you are dealing with. They specialise in buying debts that are statute barred for a few pence and hope their bullying staff can foce money out of you. Ignorant nasty ill mannered ill advised twats the lot of them.

[ODC]

Come Tuesday they are in default so should not be pursuing you. Personally I would wait one calendar month until 17th August and then report them to TS as they have committed a summary offence. Also write to them and DEMAND a copy of their complaints procedure. Complain to them. Have you checked if the alleged date is actually Statute Barred. If it is the write to them and tell them so without delay.

[ODC]

Hiya ODC, thanks for your help. So I should write to Lowells and demand a copy of their complaints procedure? Or did you mean the TS? I can't check if the alleged date is Statue Barred as they haven't put a date of the outstanding amount on any of the letters and Experien is still down so I'm stuck on that one. Unless you know of anywhere else I can check it? Its Clownells complaints procedure you need. After the calendar mont report them to TS as they will have committed a summary offence

 

From what I can remember the last contact I had with anyone about this was in March/April 2001 (I think) when I tried to get my debts consolidated by a company but I couldn't afford their repayments either so that was the last thing.

Send an SAR to the ORIGINAL lender. This will give you the date they last received payment from you. Never believe Clownells.

[ODC]

Thanks for your advice ODC, should I wait until time is up before I send the S.A.R? Or send it anyway so I know where I stand?

 

I will wait until the 17th and then write and ask for the complaints procedure and report them to TS as you said.

 

Thanks Goldlady, let's hope so eh?

The SAR should be sent to the ORIGINAL LENDER not Clownells. You can send it anytime. I think as you havent had any joy from Clownells they have got diddly squat so an SAR may not yet be needed:D

[ODC]

Hi ODC,

 

I thought I'd give you an update since you really helped me. I haven't heard a thing from Lowells and that default on my credit report has mysteriously disappeared...

 

Thank you so much for your help.

You are more than welcome. Thats what CAg is all about. Everyone helping each other. Clownells really are a bunch of bullying MUPPETS who when you call their bluff back down:D

[ODC]

Clownells are the easiest DCA to bin. Just send the template M to the Leeds losers

[ODC]

Thanks for the advice people! Where do we find template 'm'? Will we end up having bailifs banging on the door?

 

Thanks for your advice so far

 

Skint 76 x

Dear Skint

 

Clownells are a farce and as can be seen from the many threads on here they are full of sh!t. In your case you have nowt to worry about as the debt is statute barred and totally unenforceable END OF:D

[ODC]

Can you scan what you received from Clownells so as we can see if it in fact is an executed CCA and not an application form or a photoshop concocted document

[ODC]

Doesnt sound genuine but without seeing exactly what they have sent you cannot say for certain. Can you get a friend to scan it or take a picture

[ODC]

i will try ty for answering

No worries. Clownells are a speciality of mine. They are actually one of the easiest DCAs to defeat.

[ODC]

Ok everyone. Pay Attention. Because this is the only bit of useful information that you will see on this forum.

 

You have got debt for a reason. Credit....Is not a luxury. CREDIT is meant to be paid back. If you are in DEBT, you need to PAY it back. Its like the whole adverts about piracy on dvds "You wouldnt steal a car. You wouldnt steal a dvdv from a shop, Dont download illigal movies. Piracy is a crime" Purposely ignoring corespondance up to the point of not paying at all is a crime.

 

And get a load of this. C.A.B is run by.....Ready for this ? VOLUNTEERS!!!! Amazing that, isnt it. They are not getting paid to give out random information which does not stand up in a court of law !!!! If they say they will pay a company £1 a month...The company thy pay to whether its Barclays or not, DO NOT need to accept this.

 

If you are having diffifculties get whats known as an INCOME AND EXPENDATURE form from the C.A.B (all theyre good for) Fill it in and send it to the people you are paying. That way you have proof of your incoming and out goings. Stop embarassing yourselves by asking "OH GOSH !! i have debt of £1800 !! how do i get out of it !!!!!" if you claim statute barred ... Guess what....You will never get credit again. Statute barred is not a good option. Your credit rating lets face it is SHOT when your on this forum. The only way to fixx it is to pay through I&E.

 

Hope this helps

Glad to see the DCA educational standards are being upheld:roll:

[ODC]

this website should have been created to help people. Not fill them will false hope and attempted get out clauses.

Total Bank Charges Returned : £18475112 to 9304 people.

[ODC]

It would appear that the truth hurts DCAs. They do not like the alleged debtor using the law.

[ODC]

See ya around

You will probably be getting a phone call from him or one of his colleagues shortly:rolleyes:

[ODC]

,i am also mindful of the fact that new members can be mislead by this sort of dribble and it can have a detrimental effect on what we are trying to do and the help we offer.

 

regards

paul

That being the case you should have the dribble removed in case it causes confusion. Remove the dribbler too:)

[ODC]

Real people understand how you feel. Unfortunately the DCAs do not employ real people with a mind of their own. They believe the hogwash they are told by their 'Team Leaders' and will do literally anything to gain commision or a step up the pecking order. Most people on here can give this TROLL and his callcentre colleagues an answer but hey whats the point.

[ODC]

leave him alone - he's giving his head a much needed wobble..

Probably standing on a desk in Leeds with the Dunce's hat on because he did not intimidate enough people this week:D