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Lowell’s the Bain of my life
my bank sold an old credit card debt in 2016 to be honest at that point I had lost my Mum and was having to defend her estate as wider family got greedy. I miss her so much and it’s been an awful time and it’s only recently I’m piecing my life back together.
Throughout that time I communicated with my bank and they put me under a specialist team.
I ignored Lowell’s but they were successful in obtaining a CCJ last July I was signed off work at the time (delayed grief and had no fight left.)
They went for attachment of earnings in January this year and it’s then I woke up and started to look back on what had gone on.
I most definitely did not receive a letter advising me they were the new owners, and unbeknown to me and for information beware of standing orders to pay debts as because I did not get a welcome letter by the time I got a general letter n the December 2 payments had been passed to Lowell by my bank (which makes me naffed off but yes they can do this.)
However I was naffed off with my bank as I was a vulnerable customer, had worked with them and was never really going to have the head space to deal with Lowell’s.
So I filled out the attachment of earnings but also wrote a letter to the Judge explaining my circumstances the attachment of earnings was not granted and the court advised while they could not give legal advice they explained if after seeking further I advice I could apply to set it aside if I felt this was the right thing to do.
so finally got myself together and complained to the bank about there actions and they have agreed
They should not have sold on the debt when they did and this was human error and not linking up full throughout the service. They have bought back the debt from Lowell’s with costs taken off and compensation and expenses to be paid to me .
Lowell have said they will apply to have ccj removed and bank will monitor but I’m going to put an application in myself to be sure as I will get help with fee.
Its taken me a while but got there in the end, the one thing for me is this MCOL is not a good thing it puts the big companies be it private parking agencies or companies such as Lowell’s against individuals who are already struggling and are not always in a place to defend or challenge claims at that time and that for me is not right given default judgements are made
However it is reassuring at the point it is properly overseen by a district judge there are options.
i don’t know if this post will help others I hope it does and check everything out and try to defend yourself even if it’s at a later time because I’m over 2 years down the line and I finally got rid of the Bain of my life
my bank sold an old credit card debt in 2016 to be honest at that point I had lost my Mum and was having to defend her estate as wider family got greedy. I miss her so much and it’s been an awful time and it’s only recently I’m piecing my life back together.
Throughout that time I communicated with my bank and they put me under a specialist team.
I ignored Lowell’s but they were successful in obtaining a CCJ last July I was signed off work at the time (delayed grief and had no fight left.)
They went for attachment of earnings in January this year and it’s then I woke up and started to look back on what had gone on.
I most definitely did not receive a letter advising me they were the new owners, and unbeknown to me and for information beware of standing orders to pay debts as because I did not get a welcome letter by the time I got a general letter n the December 2 payments had been passed to Lowell by my bank (which makes me naffed off but yes they can do this.)
However I was naffed off with my bank as I was a vulnerable customer, had worked with them and was never really going to have the head space to deal with Lowell’s.
So I filled out the attachment of earnings but also wrote a letter to the Judge explaining my circumstances the attachment of earnings was not granted and the court advised while they could not give legal advice they explained if after seeking further I advice I could apply to set it aside if I felt this was the right thing to do.
so finally got myself together and complained to the bank about there actions and they have agreed
They should not have sold on the debt when they did and this was human error and not linking up full throughout the service. They have bought back the debt from Lowell’s with costs taken off and compensation and expenses to be paid to me .
Lowell have said they will apply to have ccj removed and bank will monitor but I’m going to put an application in myself to be sure as I will get help with fee.
Its taken me a while but got there in the end, the one thing for me is this MCOL is not a good thing it puts the big companies be it private parking agencies or companies such as Lowell’s against individuals who are already struggling and are not always in a place to defend or challenge claims at that time and that for me is not right given default judgements are made
However it is reassuring at the point it is properly overseen by a district judge there are options.
i don’t know if this post will help others I hope it does and check everything out and try to defend yourself even if it’s at a later time because I’m over 2 years down the line and I finally got rid of the Bain of my life
