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Letter from Lowell Finance Ltd for a HBOS debt

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  • #16
    Re: Letter from Lowell Finance Ltd for a HBOS debt

    Hi I opened in at the start of March 2007 and I did the online application then. Lowell gave me 30 days to have everything checked out and the 30 days is about to expire, they are relentless. Okay I'll post a redacted copy tomorrow, it's easier to do that at work. Many thanks.

    Comment

    • #17
      Re: Letter from Lowell Finance Ltd for a HBOS debt

      Hi attached are the relevant documents or at least the documents I've received. They are the credit agreement and two copies of the T&Cs, one had the address on it from when I took out the card and the other had the address on it from when I did the SAR (to HBOS) almost two years ago. I received the T&Cs from HBOS and not Lowell, Lowell refused to send them to me. I am still waiting on the SAR documents from Lowell.
      Attached Files

      Comment

      • #18
        Re: Letter from Lowell Finance Ltd for a HBOS debt

        Bump

        Comment

        • #19
          Re: Letter from Lowell Finance Ltd for a HBOS debt

          Hi everyone, has anyone had a chance to look at the documents I posted please. Received a letter from Lowell today by recorded delivery chasing payment. Thanks in advance.

          Comment

          • #20
            Re: Letter from Lowell Finance Ltd for a HBOS debt

            Hi Doglover2000
            On the advice of this forum I did a CCA request and the credit agreement took months to come through. They then said that they wouldn't collect the debt until they had received the terms and conditions for the debt from HBOS. A few weeks later they wrote back and said that they didn't have to provide me with the terms and conditions and if I wanted them I'd have to ask HBOS myself.
            Do you still have this letter?
            Of course they should send you the T&C's at inception of the agreement plus any subsequent varied ones.
            & they are well aware of that obligation.
            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

            • #21
              Re: Letter from Lowell Finance Ltd for a HBOS debt

              They have now sent me a copy of the T&Cs which must have been provided to them by HBOS, I'm just trying to establish if the debt is enforceable or if there is something not quite right with everything. I was asked to post a copy of everything which I did a few days ago. I just wondered if everything was ok and if it was enforceable or if there was something not quite right. I don't know if they are legally compliant.

              Comment

              • #22
                Re: Letter from Lowell Finance Ltd for a HBOS debt

                Shall we take this from a different perspective; where in the supplied agreement/T&Cs do you think (or feel) make it UE?
                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
                • 1 thank

                Comment

                • #23
                  Re: Letter from Lowell Finance Ltd for a HBOS debt

                  It's a gut feeling rather than anything concrete. I was in a failed DMP and took everything over myself, that was two years ago. When I started doing CCA letters and SARS to all my creditors this debt was with Robinson Way, I'd set up a monthly DD with them and out of the blue they cancelled it and said the account was in dispute but gave no reason why. They didn't collect anything for over a year, then out of the blue I hear from Lowell who have bought the debt and are looking for payment. I've read Lowell have a bad reputation and my experience with the failed DMP has left me suspicious and cautious, if there is something not quite right then I'd like to challenge it. Maybe everything is ok and I just need to enter in to a repayment plan with them.

                  Comment

                  • #24
                    Re: Letter from Lowell Finance Ltd for a HBOS debt

                    Originally posted by Doglover2000 View Post
                    Hi attached are the relevant documents or at least the documents I've received. They are the credit agreement and two copies of the T&Cs, one had the address on it from when I took out the card and the other had the address on it from when I did the SAR (to HBOS) almost two years ago. I received the T&Cs from HBOS and not Lowell, Lowell refused to send them to me. I am still waiting on the SAR documents from Lowell.
                    I can't open this.

                    nem
                    • 1 thank

                    Comment

                    • #25
                      Re: Letter from Lowell Finance Ltd for a HBOS debt

                      Okay I'll try again
                      • 1 thank

                      Comment

                      • #26
                        Re: Letter from Lowell Finance Ltd for a HBOS debt

                        Originally posted by nemesis45 View Post
                        I can't open this.

                        nem
                        Originally posted by Doglover2000 View Post
                        Okay I'll try again
                        try these:
                        Attached Files
                        Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                        It doesn't matter where your journey begins, so long as you begin it...

                        recte agens confido

                        ~~~~~

                        Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                        I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                        But please include a link to your thread so I know who you are.

                        Specialist advice can be sought via our sister site JustBeagle
                        • 2 likes

                        Comment

                        • #27
                          Re: Letter from Lowell Finance Ltd for a HBOS debt

                          ....
                          Attached Files
                          Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                          It doesn't matter where your journey begins, so long as you begin it...

                          recte agens confido

                          ~~~~~

                          Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                          I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                          But please include a link to your thread so I know who you are.

                          Specialist advice can be sought via our sister site JustBeagle
                          • 1 thank

                          Comment

                          • #28
                            Re: Letter from Lowell Finance Ltd for a HBOS debt

                            more:
                            Attached Files
                            Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                            It doesn't matter where your journey begins, so long as you begin it...

                            recte agens confido

                            ~~~~~

                            Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                            I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                            But please include a link to your thread so I know who you are.

                            Specialist advice can be sought via our sister site JustBeagle
                            • 1 thank

                            Comment

                            • #29
                              Re: Letter from Lowell Finance Ltd for a HBOS debt

                              and:
                              Attached Files
                              Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                              It doesn't matter where your journey begins, so long as you begin it...

                              recte agens confido

                              ~~~~~

                              Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                              I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                              But please include a link to your thread so I know who you are.

                              Specialist advice can be sought via our sister site JustBeagle
                              • 1 thank

                              Comment

                              • #30
                                Re: Letter from Lowell Finance Ltd for a HBOS debt

                                last ones
                                Attached Files
                                Debt is like any other trap, easy enough to get into, but hard enough to get out of.

                                It doesn't matter where your journey begins, so long as you begin it...

                                recte agens confido

                                ~~~~~

                                Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

                                I can be emailed if you need my help loading pictures/documents to your thread. My email address is Kati@legalbeagles.info
                                But please include a link to your thread so I know who you are.

                                Specialist advice can be sought via our sister site JustBeagle
                                • 1 thank

                                Comment

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