Claim from lowells portfolio northampton bulk centre.

[vale]

Lowell solicitors threatening to send debt to bulk centre by 30th dec.Also states that I can still pay or make arrangements to pay.This debt is for a shop direct debt that was sold to Lowells about 4 years ago,Since then,I have requested proof and agreement proof twice,but all I got was an offer to reduce balance by 50%? That was a year ago,And now,i am a bit concerned they are after a claim and possibly ccj.Any help and advice appreciated,Please bear with me,as my computer is old,and I am new to the forum!

[Kati]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Hi [MENTION=77431]vale[/MENTION] to LB

I'm sure you'll get lots of advice from the Beagles (I'll tag [MENTION=55034]nemesis45[/MENTION] so he doesn't miss your thread )

K xx

- - - Updated - - -

can you tell us when you last paid anything towards or acknowledged the debt in writing??

[vale]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

IIt was 2011,i think,around june.thanks,Vale.The payment that I made was to littlewoods home shopping before they passed it on to Lowells.

[nemesis45]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Hello Vale responding to a tag from [MENTION=49370]Kati[/MENTION]

When was the last payment and or written acknowledgment made in regard
to this debt/
Have you checked your credit reference files lately? If not check Noddle it
may give us some indication of the status of the account in relation to the
Limitation Act 1980.

nem

[vale]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Hi nem,I made a last payment of ten pounds in june 2011.None since. As I was on the breadline.Payment was made to littlewoods shopping,Then they passed me on to Lowells later. I have never heard of noddle,is it a credit ref Just had a look at noddle,after looking at web,But why would they need your credit card?

[nemesis45]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Hi nem,I made a last payment of ten pounds in june 2011.None since. As I was on the breadline.Payment was made to littlewoods shopping,Then they passed me on to Lowells later. I have never heard of noddle,is it a credit ref?

Well the debts not statute barred.
Have you sent Lowell a CCA request for a copy of the agreement?
If not do one and send it tomorrow there's a template in the forum
library.

You need to send the £1 statutory fee with the request, use a Postal Order endorsed " For Statutory Fee Only"
Lowell has 12 + 2 working days to comply.
Use signed for post and check the delivery date.

nem~

[vale]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Thankyou Nem,Will look at the forum library,and send letter to them.I have requested papers from them before but none were ever sent.Vale.

[nemesis45]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Thankyou Nem,Will look at the forum library,and send letter to them.I have requested papers from them before but none were ever sent.Vale.

Ok a formal CCA request Not Complied with renders the debt unenforceable until an agreement or a compliant agreement has been produced.
If this is the case Do Not Chase the CCA request,

nem

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Thankyou Nem,Will look at the forum library,and send letter to them.I have requested papers from them before but none were ever sent.Vale.

Ok a formal CCA request Not Complied with renders the debt unenforceable until an agreement or a compliant agreement has been produced.
If this is the case Do Not Chase the CCA request,

nem

[vale]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Could they be bluffing about a claim going in? A nd just making an attempt to gain money from me?

[nemesis45]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Could they be bluffing about a claim going in? A nd just making an attempt to gain money from me?

The period up to Christmas really is the silly season in murky depths of the debt collection pond.
The bottom feeders seem intent on making peoples lives a misery, just vexatious in my opinion.
If they haven't got the agreement they can't enforce payment.

nem

[vale]

Re: lowell solicitor threaten to send debt to bulk centre by 30th dec

Had two phonecalls from them today,and just put the phone down,funny as they have not rung for months?

[vale]

Claim from lowells portfolio northampton bulk centre.

Hi,I have now received claim forms from Northampton bulk claim centre .Claim is being made by Lowell Portfolio,And I asked advice from you before xmas.I explained that I had written for proof of agreement ages ago from Lowells,Which they ignored,And sent me an offer of 50% discount from the balance.You informed me that with no agreement they cant enforce payments.The thing is,Now I have the claim forms,And still no copy of agreement or other papers,Do I just put in a defence saying I don't owe the money?I only received the claim this morning,and I know I have to register it online,Which I intend to do later today Thankyou for any help,Vale.

[Amethyst]

Re: Claim from lowells portfolio northampton bulk centre.

Without the agreement they can't enforce the debt no, enforcement is deemed as 'judgment' not as bringing the court action ( irritatingly ).

If you have already sent a CCA request to Lowell - http://www.legalbeagles.info/forums/...t-Court-Claims is an example of a starting point for a defence.

[vale]

gateway account.

Hi,Have just got on to money claim gov site.I intend to defend the claim,But do I click on acknowledgment of service first,and then enter my defence later?Sorry to bother ,but I want to get it right,and my mind is so confused at the moment,Thanks Vale.

[Amethyst]

Re: gateway account.

Hi Vale, I'll find your other thread and merge stuff to keep it together, but yes, just tick acknowledge with intent to defend in full for now and your defence will come a bit later xxx

( edit - merged threads - if you try keep things about this claim on this thread it will make life easier for you and for people trying to give you a hand with this xxx )


This is the first steps - http://www.legalbeagles.info/forums/...it-Court-Claim to give you an idea where to start with this claim.