CB Vs Lowells Group

[Curlyben]

Well I'm at a slight loose end, so time for some payback.
Now Lowells, in their various guises, have been a right pain to me so time for some payback.

They have already had around £200 off me from my Cap1 claim in 2007 and I'm sure I've paid them other moneys before I "woke up".

So Lowell Group comprises:

• Lowell Portfolio 1 - the debt buying arm
• Lowell Financial - 1st level DCA
• RED debt - slightly scary DCA
• Hamptons Legal - pseudo legal arm

I think that's about it.
Their registered offices are at :

Lowell Group
Enterprise House
1 Apex View
Leeds
LS11 9BH

Here's their corp site: Lowell Group - Financial Debt Purchase Specialists

So time for a FULL SAR and see what turns up.

Now I have had dealings with every part of this monster, but it would be interesting to see what else they hold on me.

So let battle commence

I've just found exactly who my first letter is going to as well.

Bob Collins, Director of Compliance.

[TANZARELLI]

Re: CB Vs Lowells Group

Go get um mate.

[Tools]

Re: CB Vs Lowells Group

So Lowell Group comprises:

• Lowell Portfolio 1 - the debt buying arm
• Lowell Financial - 1st level DCA
• RED debt - slightly scary DCA
• Hamptons Legal - pseudo legal arm

I think that's about it.

Not sure if this has any bearing on things also Curly

Hitachi Capital UK PLC is "next door" literally and at the same address as Hitachi is Credit Solutions (Northern) Ltd closely linked to Clode Retail Finance

If you ever need something "serving" on them by hand let me know as I pass them regularly

[Curlyben]

Re: CB Vs Lowells Group

Oh look what I found with a little digging:

Lowell Group - Company Profile on LinkedIn

LinkedIn: Join LinkedIn


And this kind of sums them up really: Directors of Lowell Group
------------------------------- merged -------------------------------
For those without a linkedin profile:

Bob Collins



Director of Compliance with Lowell Group in Leeds.
Location Wakefield, United Kingdom Industry Financial Services Current

• Director of Compliance at Lowell Group

Past

• Head of business planning and performance at GE Money
• Programme Director at GE Money
• Master Black Belt at GE

4 more...
Education

• University of Central Lancashire

Recommendations 5 people have recommended Bob
Connections 77 connections
Public Profile http://www.linkedin.com/pub/2/470/a7b
Expanded profile views are available only to Business account holders. Upgrade your account.

Summary


A highly motivated and experienced manager of people used to delivering large productivity and growth gains for companies. A creative thinker that has the ability to make strategic decisions and gain buy in from all stakeholders to make change stick and be successful. I am used to dealing with clients and concluding commercial negotiations and being able to communicate effectively within all levels of the organisation. I am keen on self development and coaching of others to achieve more than they thought possible.
Some key achievements include:
• Becoming a certified Master Black belt
• Edge-
New credit card product combining credit cards and sales finance. Led project team of over 100 people split into 10 workstreams. Project delivered on time and to budget.
• Statement production outsource
Outsourced statement production (including sale of in-house production), to third party. Saved over £2 Million per annum
• Collections Process
Identified opportunity for business through altering incentive payments to collectors and focusing on goodwill refunds to customers IMPACT: income of £940,000
Specialties

Market Research In Drinks Industry
Market Research in Retial Industry
Market Research in Financial Services
Six Sigma Master Black Belt
Compliance and Money Laundering reporting in financial services
Call centre management

Isn't he a happy cahppy

Not for much longer I bet....

[Sapphire]

Re: CB Vs Lowells Group

Have fun Curly, I have just CCA's Lowells myself as they are wittering on at himself re his Cap One account.

I'll post up what happens on his thread.

[Curlyben]

Re: CB Vs Lowells Group

So here's my first rambling letter for my new friend Bob:

Data Protection Act 1998 Subject Access Request


Dear Bob,

I have decided to write to you personally as I have had a number of unpleasant experiences in dealing with other members of your company. As you are Compliance Director for Lowell Group I believe that you are the best person to address my request.

Under the Data Protection Act 1998 individuals have the right to access the data that is being held about them.

The Act defines “personal data” as any data at all that relates to a living individual who can be identified from it. This includes personal images and audio recordings as well as text.

It is also important to note the term “processing”, which is a generic term used in the legislation to describe any action taken in relation to personal data, such as for example obtaining, recording, holding, adapting, retrieving, altering, disclosing or destroying. If you are in any doubt when handling personal data always assume you are “processing” it.

The 1998 Act updated the previous 1984 Act which had come about as a result of concern over the management of personal data held in computerised records. Significantly, the 1998 Act brought 'structured' manual data within the scope of its provisions. The Freedom of Information Act 2000 then amended the Act to cover manual data held in an 'unstructured' form. Consequently, the Act does not now differentiate between any kind of electronically or manually held data.

The Act provides the “subject access right” which enables individuals, subject to certain specific exemptions, to receive an intelligible copy of all personal data held about them by Lowell Group. The right extends to all data whether held manually or electronically.

If an individual requests to see data relating to them which then turns out to be for example inaccurate, out-of-date, held unnecessarily or offensive, Lowell Group may be liable for prosecution. Of course I hope this isn't the case.


My request is quite straightforward, I require copies of ALL personal information held by Lowell group concerning myself, the Data Subject.

This request extends to any Trading Styles or affiliated companies that you may have been passed my personal data.
For the avoidance of doubt this includes:

• Lowell Group
• Lowell Portfolio I
• Lowell Financial
• Red Debt Collection Services
• Hampton Legal

This request extends to ALL data held by Lowell group, this should include, but not limited to,

• copies of original agreements
• statements of account and transactions
• information concerning any manual intervention
• Telephone transcripts and details of all calls made and received
• any other supporting notes and documentation
• Also which members of Lowell group have had access to my data

I hope Lowell Group complies with me request for access to personal information as quickly as possible, and will ensure that information is provided within 40 days unless there is good reason for delay.

To this end I enclose the statutory £10 fee (cheque) along with details of previous addresses at which you have contacted me.
If any other security information is required to verify my identity please advise accordingly in writing.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.


Yours faithfully

yeah OK so I went off on one, but hey.

[Sapphire]

Re: CB Vs Lowells Group

I hate to see what you are like when you are bored hun msl:You go get them, 40 days and counting eh, wonder what you will get back. msl:

[richcufc]

Re: CB Vs Lowells Group

Excellent letter.

I have found that when I have had trouble with Lowell an e-mail to Andrew Bartle quite often works. He is their chief operations officer. Apologies if this has been posted before

His e-mail address is andrew.bartle@lowellgroup.co.uk

[Curlyben]

Re: CB Vs Lowells Group

Oh no, NO e-mail allowed !!

This needs the gravity of recorded snail mail, after all I may need the physical evidence later on

[richcufc]

Re: CB Vs Lowells Group

Indeed. Handy for future reference and annoyance though. He does check his mails and you do get replies!

[Curlyben]

Re: CB Vs Lowells Group

Well in that case I might do BOTH

Belt and Braces approach..

[Curlyben]

Re: CB Vs Lowells Group

So letter gone.
The clock is ticking........

[Curlyben]

Re: CB Vs Lowells Group

So this has obviously hit the right place as I have received TWO seperate acknowledgements from RED debt today.
Normal waffle.

Shame the two ref'd accounts are seriously SB'd, but it's a start I suppose.
So I'll be expecting the same for the other heads shortly and hopefully a response from Bob himself, who knows

[Curlyben]

Re: CB Vs Lowells Group

Well 2 packets received from my new best "friends", just have to see what they have to say for themselves now

[Curlyben]

Re: CB Vs Lowells Group

So still nowt of substance from Leeds, despite asking for everything they hold on me they have "conveniently" forgotten about my dealings from 2005/7 with Cap1.

Guess it's time to remind Bob of his obligations