Lowell portfolio 1 - HELP

[fairmorn308]

This company above gave me a Default on my credit file for a debt from capital one.

 

I sent this company a CCA and £1 and how long do they have to respond and if they dont what is the next step?

 

They gave me a default for a debt that was from a credit card not from them and i never signed anything from this company or got notifed about getting a default.

 

Now i got a letter from another company saying the above company has sold the debt onto them and now there chasing it.

 

Can anyone help please

[Guest NATTIE]

after 12 days the agreement is unenforceable and after 28 days it is a criminal offence. Maybe not paying them could be a good idea.

[fairmorn308]

after 12 days the agreement is unenforceable and after 28 days it is a criminal offence. Maybe not paying them could be a good idea.

 

 

am not paying them as they have passed the debt to another company and i want the CCJ removed they put on my record

[MARTIN3030]

Your thread moved here.

First of all you should send an s10 notice to the original creditor Cap 1.

This will be useful, later if you decide to launch County Court action for removal.

LP should have informed you that the debt had been transferred......We do need a little more info tho.

When did Cap 1 sell this debt to LP ?

Are there unlawful penalty charges involved wholly or in part with regards to this debt.

At any point have you acknowledged liability for the debt and if so what were arrangements/responses from you and LP ?

Have the new owners been in contact ?

My guess is that LP could not supply the info from your CCA request so offloaded.

They should be reported to your local trading standards and also the FOS.

From what you say you already have enough to take steps to put an end to this,and there is legislation in place to do just that.

Unfortunately if you read some threads in this section you will clearly see that DCAs are not interested in playing ball.

It would be interesting to hear from other members who have had dealings with LP too.

[coffeebien]

Correct me if I am wrong but I understood the CCA request and timescales are only valid on Live consumer credit Act agreements and not one that accounts have been closed and passed for debt collection. That's how I understood it from some threads on here.

 

Hope that helps

[schrodingers cat]

hi everyone

hope this is going in the right place,its early morning and i`m slightly stunned by the letter i`ve recieved from lowell.i have moved several times in the past couple of years not bothering to register on the electoral role just milling around since being primary carer for my mother who had dementia,i looked after her untill i could do no more (3 years) before eventually giving in to social worker and doctor pressure and putting her in a home who took six weeks to kill her through neglect but thats a different story my problem now is i have recived a letter from the lowell portfolio saying they have been trying to contact me regarding my mothers address and that they have recently been supplied with information that suggests i previously resided there this could be for a number of reasons none of them good unfortunately at the time i was suffering from depression and cant remember much but as they are debt collectors its not gonna be good.when i left there i ran away from the world to try and get over what happened but always steered clear of using that address for anything now i`m employed have a mortgage and a credit card and am in the process of getting my life together and suddenly this happens,the only thing i have done recently is apply for car insurance with a different insurer paying in installments.the only way i can see anyone associating me with old me is through name and date of birth,on this letter it says they want me to contact them to confirm the update of my address details and if i dont they will assume they are correct and update their records accordingly

[sosumi]

hi everyone

hope this is going in the right place,its early morning and i`m slightly stunned by the letter i`ve recieved from lowell.i have moved several times in the past couple of years not bothering to register on the electoral role just milling around since being primary carer for my mother who had dementia,i looked after her untill i could do no more (3 years) before eventually giving in to social worker and doctor pressure and putting her in a home who took six weeks to kill her through neglect but thats a different story my problem now is i have recived a letter from the lowell portfolio saying they have been trying to contact me regarding my mothers address and that they have recently been supplied with information that suggests i previously resided there this could be for a number of reasons none of them good unfortunately at the time i was suffering from depression and cant remember much but as they are debt collectors its not gonna be good.when i left there i ran away from the world to try and get over what happened but always steered clear of using that address for anything now i`m employed have a mortgage and a credit card and am in the process of getting my life together and suddenly this happens,the only thing i have done recently is apply for car insurance with a different insurer paying in installments.the only way i can see anyone associating me with old me is through name and date of birth,on this letter it says they want me to contact them to confirm the update of my address details and if i dont they will assume they are correct and update their records accordingly

Hi Sscat

Am just bumping this up for you. You had a dreadful time, I'm sure people here can help you through this part at least. If you start a new thread, it will be easier for us to follow your posts. xx

Shrodingers cat's thread is here

Edited May 11, 2008 by sosumi
added link

[schrodingers cat]

hi

thanx i`m having problems finding my way round the site i will try that when i find the new thred bit x

[squishter]

Hello,

I'm new too and not found out how to make a new thread. but i'm also having a problem with Lowell Portfolio 1 Ltd.

They say i owe £156.13 and are acting on behalf of O2. I haven't been with O2 since 2004.

They sent me numerous letters from Red debt collection services and Hamptons Legal.

In response I sent them the recommended letter where you ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974.

However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so.

So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings.

If anyone can help, I'd really appreciate it!

[Kholoshian]

Hi squishter,

 

To start a new thread in the 'debt collection industry' forum, simply click go to the forums, click on 'debt collection industry and at the top of the page above the announcements you'll see a 'New thread' Button. It's better if you start your own thread as it makes it much easier for people to help you with out confusion.

 

Cheers

 

Kholo

[ODC]

Hello,

I'm new too and not found out how to make a new thread. but i'm also having a problem with Lowell Portfolio 1 Ltd.

They say i owe £156.13 and are acting on behalf of O2. I haven't been with O2 since 2004.

They sent me numerous letters from Red debt collection services and Hamptons Legal.

In response I sent them the recommended letter where you ask for a copy of the credit agreement according to the Consumer Credit Act (CCA) 1974.

However they replied saying that the account agreement I ask for is not regulated under the CCA 1974 and that they are under no obligation to do so.

So now I dont know what to do as they have threatened me with county court proceedings and additional fees for legal proceedings.

If anyone can help, I'd really appreciate it!

Mobile Phone agreements are not generally covered by the CCA. HOWEVER Lowells must provide you with WRITTEN proof of the alleged debt and their right to collect its.

 

Do please start a new thread of you own and we will help you sort them out

[ODC]

am not paying them as they have passed the debt to another company and i want the CCJ removed they put on my record

Have they actually got a CCJ (County Court Judgement) or is it just a DEFAULT. There is a huge difference

[squishter]

Thank you everyone for your response. I wasn't sure if i was going to get a reply.

Anyway I managed to start a new thread, thanks to Kholo.

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/145356-lowell-portfolio-1-ltd.html#post1530884

 

But in response to ODC, the letter says "Legal proceedings may now be issued and served upon you without notice through the county court which may then incur you with payment of the following costs: " and they basically go on to list a load of extra costs for solicitors and court fees.

so does this mean it is a CCJ or default?

 

thanks again for your help.

[ODC]

This is bog standard Lowell Bovine Excrement. First of all they have to PROVE a debt exists. Then if you refuse to pay it they MAY take you to court and if they do they MAY be successful and a court MAY order you to pay the debt and the court MAY award costs to Lowells. If you re-read their threatomatic letter you will see that just as in my reply there are an awful lot of IFs and MAYs in their letters.