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Lowell/shoosmiths - Ordinary Cause Court Writ - for £7k pers loan


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Write to them with your name and new address 

I xxx xxx account number xxxx xxxxx, now live at number 1 , xxxx street, xxx

It will cost you a First class stamp and may save you thousands. 

Otherwise you are just cannon fodder for Lowell

We could do with some help from you.

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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each debt, get a free proof of posting too.

we got there in the end......:whistle:

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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Thanks very much 

just to double check

when you say write to them

do you mean write to Current Dca

my Lowell case is different to this one is with Link Financial

but they are all the same

thanks for all your help  

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ALL

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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  • 3 months later...
  • dx100uk changed the title to Lowell letters received for £7k pers loan debt - Scotland

i can instruct my dog to sit, but if it does is an entirely diff matter.

WL are acting here as a mere powerless DCA and are not the OWNER of the debt, lowells are, so jog on WL...

until very very recent we've never seen lowells raise a scottish claim

Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card. - Scotland Financial Legal Issues - Consumer Action Group

 

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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'they' dont send court letters.

only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim.........

unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork.

just read a few Nolan SPC threads...:pound:

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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Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 

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1 hour ago, Thanks121 said:

they will send court letters 

it does NOT SAY WILL... read it again...:whistle:

instructed does NOT MEAN WILL..it has no legal meaning...

and the 'they' is not the legal debt owner....

stuff and all any 3rd party DCA can do, let alone any dca in the 1st place..no legal powers whatsoever..none of 'em.

all the debt owner can do is the same as you or i if someone owes us money...start a court claim.

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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Interesting I did read again and again but I’m negative as I’m the receiver it says 

this has resulted in your account being selected for court action 

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eh?

you'll be selected for the peoples lottery next......

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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4 hours ago, dx100uk said:

'they' dont send court letters.

only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim.........

please read carefully and understand what has already been explained.

if you get a SPC Claimform from a COURT then of course you don't ignore it

comeback here 

 

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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4 hours ago, dx100uk said:

unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork.

just read a few Nolan SPC threads...:pound:

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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no and no 

a win today

 

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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Received another letter today  from shoosmiths 

saying they have been instructed to act etc 

Claimant: Lowell Portfolio I Limited

Our Client: Walker Love

Walker Love Ref:

Original Lender:

Balance:

We have been instructed by our client that you have failed to repay the sums due in respect of the above account.

Your Agreement with our client is terminated, which means the balance outstanding is due and our client requires your proposals for payment.

Please treat this letter as notice that, unless an agreement is reached within 7 days of the date of this letter, we are instructed by our client to commence court proceedings against you for recovery of the sums outstanding.

This means that you may have a Court Decree registered against you. Any Court Decree registered against you may affect your ability to obtain credit in the future.

If court action proceeds, we are also instructed to seek legal costs in addition to the sum outstanding from you in order to cover any outlays by our client in having to raise court proceedings

If a Decree is obtained then we may be instructed to enforce that Decree which may include an application for an Inhibition against you. This will have the effect of preventing you from selling or granting any further securities against your house, or any land that you may own in Scotland.

Rather than issue court proceedings our client would prefer to find a suitable solution to enable you to repay the sums outstanding to it.

To discuss how best these outstanding sums can be repaid please contact Walker Love within the next 7 days by telephone on 0330 678 0335 or by email at [email protected]

Proposals

Our client may be able to agree to accept less than the sum outstanding in settlement of the sums due from you or, if this is not an option for you, to agree regular payment instalments with you, based on a review of your financial circumstances.

If you need to seek advice then you may wish to contact one or more of the organisations listed below who are able to provide independent advice to you.

Yours faithfully

+44 (0)3700 863 000 | www.shoosmiths.com

Should I just ignore for now ?

Just your thoughts or anyone had similar letter thanks

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go read that thread

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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I have read that thread but it started when received court claim form 

im not at that stage yet 

I'm asking if I should do anything just now or not contact at all 

looks like a standard letter i received giving me 7 days when first letter said they would give 14 days but didn’t and sent 7 days 

once again.

Dx  thanks for your help and everyone here I get lost in the other posts but have read them 

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i can instruct my dog to sit.

if it does is a totally different matter.

with one bloody nose from CAG in Scotland now, on what is a new adventure for them me, thinks lowells will seriously think twice before trying again.

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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Share on other sites

I’m not sure i understand you to well here dx but your opinion has been right in the past 

 

I think your trying to say I should sit but your not sure if I will 

 

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you are not reading the letters properly and because of that you are concluding the wrong possible outcomes.

they are stating, quite clearly, that their client, whom is operating for another client, lowells, the debt owner,  are instructing them to commence a court claim.

well i can tell my neighbour to tell my dog to sit, now it doesn't sit for me when told anyway, so what chance has anyone else got of making it sit..

it's all dca gobbledy gook,  specifically written in a cleverly crafted way to worry and harass a debtor because they know 85% of people, just like you are , can't understand the difference between words like instruct, might, could, possibly.... to the word WILL.

you seriously need to read a good few 100 lowell threads here , you'll soon get the idea.

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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