Lowell Portfolio v P-Jay

[nemesis45]

Re: Lowell Portfolio v P-Jay

Thanks again Nem,

I think you might have already answered my next question, but I need to be sure - Postie was late today and I did get a letter from the Court, it says:

"I acknowledge receipt of your defence. A copy is being served on the claimant (or claimant's solicitor).
The Claimant may contact you direct to attempt to resolve any dispute. If the dispute cannot be resolved informally, the claimant will inform the court the he wishes to proceed. The court will then inform you of what will happen"

I'm a bit concern as I hadn't filed a defence as yet, only an intention to - is this normal or has something gone wrong?

The information I returned with the form was not more than a line or two asking for more time as I believe it was statue barred? I'm not sure I've offered any sort of defence yet?

Oh B**ger it looks as if the court has taken your comment on the AOS as all you were going to say in defence it's not the first time I've seen this happen this week.
A phone call to the court on Monday to explain what's happened and that you need to " fully particularise" your claim.

nem

[P-Jay]

Re: Lowell Portfolio v P-Jay

Thanks again, will do -

Thanks so much for all your help - can I donate to the website or something?

[nemesis45]

Re: Lowell Portfolio v P-Jay

Thanks again, will do -

Thanks so much for all your help - can I donate to the website or something?

You are most welcome!! Please contact a member of the site team [MENTION=6]Amethyst[/MENTION] or [MENTION=49370]Kati[/MENTION] who will be able to help with how to donate.

nem

[Kati]

Re: Lowell Portfolio v P-Jay

Thanks again, will do -

Thanks so much for all your help - can I donate to the website or something?

You are most welcome!! Please contact a member of the site team @Amethyst or @Kati who will be able to help with how to donate.

nem

Thanks [MENTION=55034]nemesis45[/MENTION] ... [MENTION=69858]P-Jay[/MENTION], [MENTION=6]Amethyst[/MENTION] and most of the rest of the site team are off on their jollies this weekend :tinysmile_twink_t2: but if you ever wanted to 'donate' the easiest way would be through VIP membership (see here http://www.legalbeagles.info/forums/payments.php) although it is not necessary xx

[nemesis45]

Re: Lowell Portfolio v P-Jay

Thank you Kati:tinysmile_twink_t2x

[P-Jay]

Re: Lowell Portfolio v P-Jay

Thanks Both, I'll be sure to upgrade when I'm paid in a few days.

In the meantime I've had the following responses from Bryan Carter





I'm amazed that the default was lodged that late? I'm was unemployed and hospitalised almost 12 months prior to this - and I thought the 'clock' started from the last payment, not from the default notice? I'm lost.

Nothing back from Lowell yet.

[nemesis45]

Re: Lowell Portfolio v P-Jay

Hello PJay Can we establish when the last payment was made on this loan, this is one of Carters favourite with Welcome loans as it's well known that Welcome always hang out on defaulting accounts for as long as possible and usually do it immediately before selling the debt on.

We can mount a challenge with knowing when the last payment was made.

nem

[P-Jay]

Re: Lowell Portfolio v P-Jay

HI Nem,

I'm afraid not, I have no bank statements or anything and it's no longer on my credit file (which is odd given the date they claim the default for) I'm completely blind.

The last possible time I could have made a payment is June or July 2009 - almost exactly 6 years to the day... but that would be a guess - it's possible, even likely I would have stopped paying as long as 12 months before this time.

[nemesis45]

Re: Lowell Portfolio v P-Jay

HI Nem,

I'm afraid not, I have no bank statements or anything and it's no longer on my credit file (which is odd given the date they claim the default for) I'm completely blind.

The last possible time I could have made a payment is June or July 2009 - almost exactly 6 years to the day... but that would be a guess - it's possible, even likely I would have stopped paying as long as 12 months before this time.

Do you want me to try and work on the fact that the account was defaulted unfairly late see if we can overcome this?

nem

[P-Jay]

Re: Lowell Portfolio v P-Jay

I'm not sure, I'd like to see a statement from Lowell to confirm when I made the last payment - this is due by Tues next week I believe.

Does going down that avenue close another off?

[nemesis45]

Re: Lowell Portfolio v P-Jay

[QUOTE=P-Jay;563869]I'm not sure, I'd like to see a statement from Lowell to confirm when I made the last payment - this is due by Tues next week I believe.

A thought P-Jay a call to Welcome their head office is still open peddling it's allegedly outstanding accounts may
provide the answer we need.

Lowell has only the absolute minimum of information on the debt so they wont have the information on the last payment,

nem

- - - Updated - - -

[QUOTE=P-Jay;563869]I'm not sure, I'd like to see a statement from Lowell to confirm when I made the last payment - this is due by Tues next week I believe.

A thought P-Jay a call to Welcome their head office is still open peddling it's allegedly outstanding accounts may
provide the answer we need.

Lowell has only the absolute minimum of information on the debt so they wont have the information on the last payment,

nem

[P-Jay]

Re: Lowell Portfolio v P-Jay

[QUOTE=nemesis45;563872][QUOTE=P-Jay;563869]I'm not sure, I'd like to see a statement from Lowell to confirm when I made the last payment - this is due by Tues next week I believe.

A thought P-Jay a call to Welcome their head office is still open peddling it's allegedly outstanding accounts may
provide the answer we need.

Lowell has only the absolute minimum of information on the debt so they wont have the information on the last payment,

nem

- - - Updated - - -

I'm not sure, I'd like to see a statement from Lowell to confirm when I made the last payment - this is due by Tues next week I believe.

A thought P-Jay a call to Welcome their head office is still open peddling it's allegedly outstanding accounts may
provide the answer we need.

Lowell has only the absolute minimum of information on the debt so they wont have the information on the last payment,

nem

Thanks again,

Just called them (on 0333 999 8930) they asked me for my name, DOB, former addresses etc etc - but they haven't got any of my details on file at all.

He asked me to call another recovery team (on 0333 999 8913) during business hours, but he doesn't think they'll have nay luck either as they work off the same database.

I'll call them in the morning and update.

[nemesis45]

Re: Lowell Portfolio v P-Jay

[QUOTE=P-Jay;563884][QUOTE=nemesis45;563872]

I'm not sure, I'd like to see a statement from Lowell to confirm when I made the last payment - this is due by Tues next week I believe.

A thought P-Jay a call to Welcome their head office is still open peddling it's allegedly outstanding accounts may
provide the answer we need.

Lowell has only the absolute minimum of information on the debt so they wont have the information on the last payment,

nem

- - - Updated - - -



Thanks again,

Just called them (on 0333 999 8930) they asked me for my name, DOB, former addresses etc etc - but they haven't got any of my details on file at all.

He asked me to call another recovery team (on 0333 999 8913) during business hours, but he doesn't think they'll have nay luck either as they work off the same database.

I'll call them in the morning and update.

Certainly worth a try!!

nem

- - - Updated - - -

[QUOTE=P-Jay;563884][QUOTE=nemesis45;563872]

I'm not sure, I'd like to see a statement from Lowell to confirm when I made the last payment - this is due by Tues next week I believe.

A thought P-Jay a call to Welcome their head office is still open peddling it's allegedly outstanding accounts may
provide the answer we need.

Lowell has only the absolute minimum of information on the debt so they wont have the information on the last payment,

nem

- - - Updated - - -



Thanks again,

Just called them (on 0333 999 8930) they asked me for my name, DOB, former addresses etc etc - but they haven't got any of my details on file at all.

He asked me to call another recovery team (on 0333 999 8913) during business hours, but he doesn't think they'll have nay luck either as they work off the same database.

I'll call them in the morning and update.

Certainly worth a try!!

nem

[P-Jay]

Re: Lowell Portfolio v P-Jay

Hello again,

I've spoken to Welcome now - their records are all over the place! I spoke to a nice (French I think) lady who told me that the debt is actually from 2007 - the last payment I made was August 2008 - it was sold to Lowell however in 2012. They have no contact recorded from me since Aug 2008 - default aside - this is statute barred is it not?

(fingers crossed)

[nemesis45]

Re: Lowell Portfolio v P-Jay

Hello again,

I've spoken to Welcome now - their records are all over the place! I spoke to a nice (French I think) lady who told me that the debt is actually from 2007 - the last payment I made was August 2008 - it was sold to Lowell however in 2012. They have no contact recorded from me since Aug 2008 - default aside - this is statute barred is it not?

(fingers crossed)

*** YES*** we can write to Lowell confirm that the last payment was 2008 August and that Welcome defaulted the account unfairly late!! Do you want me to draft a letter for you.

nem