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*DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

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  • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

    Thanks to you both. I'll just ignore it then unless they start piling on the pressure x

    Comment


    • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

      Hi

      After several months of peace I have today received a letter from Lowell dated 7th April.

      It's like they have never contacted me before!!

      The letter says;

      As the new owner of your Shop Direct account, Lowell Portfolio wrote to you recently, We'd now like to agree how you can repay your account.
      We're here to help. Companies like Shop Direct often sell accounts to debt recovery specialists when payments have been missed. We're already helping thousands of customers pay back their debts by agreeing affordable repayment plans- and we'd like to help you.
      If we don't hear from you. We want to give you every opportunity to avoid further recovery action. However, if we don't hear from you we may pass your account to our solicitors to enforce the County Court Judgment (CCJ) that has already been obtained against you for this debt. This will result in charges being added to the balance and increase the amount you owe.

      Etc just about how to contact them and set up a repayment plan

      What??!!!! I am utterly baffled?! How can they say they obtained a CCJ against me when they wrote to me and said it was discontinued? Also the court confirmed I didn't need to turn up!

      Is this just another way of them trying to threaten the money out of me? Please advise

      Comment


      • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

        Originally posted by Jojo13 View Post
        Hi

        After several months of peace I have today received a letter from Lowell dated 7th April.

        It's like they have never contacted me before!!

        The letter says;

        As the new owner of your Shop Direct account, Lowell Portfolio wrote to you recently, We'd now like to agree how you can repay your account.
        We're here to help. Companies like Shop Direct often sell accounts to debt recovery specialists when payments have been missed. We're already helping thousands of customers pay back their debts by agreeing affordable repayment plans- and we'd like to help you.
        If we don't hear from you. We want to give you every opportunity to avoid further recovery action. However, if we don't hear from you we may pass your account to our solicitors to enforce the County Court Judgment (CCJ) that has already been obtained against you for this debt. This will result in charges being added to the balance and increase the amount you owe.

        Etc just about how to contact them and set up a repayment plan

        What??!!!! I am utterly baffled?! How can they say they obtained a CCJ against me when they wrote to me and said it was discontinued? Also the court confirmed I didn't need to turn up!

        Is this just another way of them trying to threaten the money out of me? Please advise
        Hello Jojo,

        That's very odd, do you have the court/Lowell discontinuance letter?

        I suggest that you give Northampton County Court Business Centre a call tomorrow to see what the truth is, it' s not unknown for Lowell/ Lowell Solicitors to pull stunts like this.

        nem
        The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

        Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

        If you receive messages from anyone offering advice for a fee please report it to the site team.


        Animo et fide.

        Comment


        • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

          I have the discontinuation letter from Lowell but never heard anything from the court at all

          Comment


          • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

            Originally posted by Jojo13 View Post
            I have the discontinuation letter from Lowell but never heard anything from the court at all
            Sounds very fishy to me Jo definitely contact the court tomorrow .

            nem
            The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

            Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

            If you receive messages from anyone offering advice for a fee please report it to the site team.


            Animo et fide.

            Comment


            • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

              Will do, thanks Nem.

              I did just check Money Claim online and other than my AOS and Defense nothing else has been submitted- last transaction showing is transfer of case to Manchester back in August 2016. Very confusing.

              Comment


              • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                Originally posted by Jojo13 View Post
                Will do, thanks Nem.

                I did just check Money Claim online and other than my AOS and Defense nothing else has been submitted- last transaction showing is transfer of case to Manchester back in August 2016. Very confusing.
                OK Jojo,

                Sounds like Lowell is playing silly buggers get the court check tomorrow MCOL may be behind with updates.

                nem
                The advice I give and draft letters provided are drawn from personal experience and career training and are given freely and without liability.

                Please make your own decisions with care and if necessary seek qualified legal advice. I will not advise by private message. If you'd like me to look at your post please tag me in your post by typing @nemesis45;.

                If you receive messages from anyone offering advice for a fee please report it to the site team.


                Animo et fide.

                Comment


                • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                  You can also check for CCJs on https://www.trustonline.org.uk/
                  CAVEAT LECTOR

                  This is only my opinion - "
                  Opinions are made to be changed --or how is truth to be got at?" (Byron)

                  You and I do not see things as they are. We see things as we are.
                  Cohen, Herb

                  There is danger when a man throws his tongue into high gear before he
                  gets his brain a-going.
                  Phelps, C. C.

                  "They couldn't hit an elephant at this distance!"
                  The last words of John Sedgwick

                  Comment


                  • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                    Originally posted by Jojo13 View Post
                    I did just check Money Claim online and other than my AOS and Defense nothing else has been submitted- last transaction showing is transfer of case to Manchester back in August 2016.
                    If the case was transferred to Manchester County Court then you'll need to contact them for a status update not MCOL.

                    If there's no reference to DQs on the MCOL website then I wonder why it was transferred unless there was an Application made which required human intervention.

                    (I'll read back through your thread tomorrow for clues.)

                    Di
                    I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                    This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                    Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                    Comment


                    • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                      Originally posted by Jojo13 View Post
                      After receiving the Notice of Discontinuece from BW Legal, I rang the court and they confirmed I didn't have to go.
                      ^ ^ ^ Your post # 118 (2nd December 2016) says the court (Manchester County Court I presume) confirmed that you didn't have to attend the hearing, so check with them in the morning.

                      You have a copy of your Notice of Discontinuance so it may make sense to send a reply to Lowells letter with a copy of that with a one-liner saying "Please see attached".

                      Di
                      I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                      This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                      Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                      Comment


                      • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                        Thanks the case was transferred to Manchester at my request so I'll call them tomorrow.
                        I checked trust online and nothing came back so I think this probably is just scare tactics.
                        I'll send them their letter back as Di suggested
                        Thanks again ladies, I keep thinking I'm done with this but then it rears its ugly head at the crappest times (My gran is 92 today and has quite bad dementia, she had a fall in the night and had to be rushed in for hip replacement surgery- went well just waiting for her to come round properly)

                        I'd be stressing all night over this too without this forum x

                        Comment


                        • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                          Comment


                          • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                            Originally posted by Jojo13 View Post
                            I can't see/open whatever it is you've uploaded

                            Di
                            I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                            This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                            Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                            Comment


                            • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                              It was a copy of the letter from Lowell Solictors which said they were discontinuing.
                              I rang the court this morning and they confirmed the case was definitely discontinued on 15th November.
                              I'll send them a copy of their solicitors letter like you suggested Di, do you think an email would be ok or should I send signed for delivery?
                              Thanks

                              Comment


                              • Re: *DISCONTINUED* !!! Lowell Portfolio 1 Ltd v Jojo13

                                Originally posted by Jojo13 View Post
                                It was a copy of the letter from Lowell Solictors which said they were discontinuing.
                                I rang the court this morning and they confirmed the case was definitely discontinued on 15th November.
                                I'll send them a copy of their solicitors letter like you suggested Di, do you think an email would be ok or should I send signed for delivery?
                                I think it's best to send a letter with 'enclosures'.

                                Have you got a copy of the Notice of Continuance to put with that Lowells letter?

                                (Get Royal Mail Proof of Posting which it free.)

                                Di
                                I am a Litigation Executive at Joanna Connolly Solicitors a firm which specialises in consumer credit.

                                This forumís site rules donít allow me to give advice by PM but if you need to contact me please email di@joannaconnollysolicitors.co.uk. Our initial advice is always free.


                                Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

                                Comment

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