Letter from Lowell Finance Ltd for a HBOS debt

[nemesis45]

Re: Letter from Lowell Finance Ltd for a HBOS debt

try these:

Thank You [MENTION=49370]Kati[/MENTION]

nem

- - - Updated - - -

try these:

Thank You [MENTION=49370]Kati[/MENTION]

nem

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Evening everyone, I wondered if anyone had had a chance to look at the documents please.

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Bump

[nemesis45]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Evening everyone, I wondered if anyone had had a chance to look at the documents please.

Good morning,

You have 2 standard Notices of Assignment and a Lowell begging letter in reply to a CCA request.

nem

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Hi and thanks men, Kati had load a variety of documents I received as a result of a SAR and also the CCA, are you saying that Lowell have complied and everything seems ok, sorry for being a pain and a bit thick

[nemesis45]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Hi and thanks men, Kati had load a variety of documents I received as a result of a SAR and also the CCA, are you saying that Lowell have complied and everything seems ok, sorry for being a pain and a bit thick

Personally I would want to go over everything you have received very carefully be for commenting on the compliance status of the documents.

I'll try to do this later today.

nem

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

I can't thank you enough for taking the time to do that, hear from you soon

[nemesis45]

Re: Letter from Lowell Finance Ltd for a HBOS debt

I can't thank you enough for taking the time to do that, hear from you soon

Hello doglover,

Just got in so going to read all now back later.

nem

[nemesis45]

Re: Letter from Lowell Finance Ltd for a HBOS debt

OK From Post 1

The debt was assigned to Lowell from Robinson Way default date confirmed July 2010.

Post 2. Suggested CCA request to Lowell.

Post3/4 You say you have the agreement in your possession which is the original? But the address is not that relevant when the account was opened??

Up to 10 June no response yet.

Agreement form but no T's & C's supplied?

Your post HBOS pdf of Marriot Rewards card agreement with a recent address?

You have it seems the HBOS NOA 's from RW to Lowell and HBOS to RW is that correct.

In post #23 you say RW cancelled the payment plan DD and said the debt was in dispute but did not disclose alleged dispute?

Post #28 Has a Marriot agreement with your address as it was when the account was opened Correct?

Post #29 Marriot t's & c's by my analysis shows :-

Terms 9.21 to 12.5 12.6 to 17 & 17.19 which is in my opinion incomplete.

Post #30 Lowell letter claims CCA request complied with?

Finally No Court Claim has been issued correct.

It would imo take even closer examination of all the documents to confirm or deny the compliance there is some merit to the documents you have and with English Civil Law judgment is made on the balance of probabilities it could prove enough to obtain judgment.

So Lowell are still just sending begging letters.

nem

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Hi Nem

Thank you for your reply and I'm really sorry that I haven't responded sooner but I've just moved house and its been chaos. I have Lowell chasing me again which reminded me that I had replied to your post so here goes. I thought it would be easier to copy and paste your reply and then add my reply at each relevant bit in red. Hope that's OK.

Many thanks :beagle:

OK From Post 1

The debt was assigned to Lowell from Robinson Way default date confirmed July 2010. Yes that's correct, the default has been removed from my credit file so that's something.

Post 2. Suggested CCA request to Lowell. I did a CCA to HBOS (original creditor), Robinson Way (who passed my request on to HBOS) and then to Lowell who eventually responded outside of the timescales but they did respond.

Post3/4 You say you have the agreement in your possession which is the original. They sent me a copy of the original. But the address is not that relevant when the account was opened?? The account was opened in Feb/March 2007.

Up to 10 June no response yet. It took Lowell weeks to respond to my CCA request but they eventually did.

Agreement form but no T's & C's supplied? I have T&Cs sent to me by HBOS.

Your post HBOS pdf of Marriot Rewards card agreement with a recent address.

You have it seems the HBOS NOA 's from RW to Lowell and HBOS to RW is that correct. Yes

In post #23 you say RW cancelled the payment plan DD and said the debt was in dispute but did not disclose alleged dispute? Thats correct, RW also refused to comply with a SAR and said they'd sent everything back to HBOS.

Post #28 Has a Marriot agreement with your address as it was when the account was opened Correct? I lived at Campbell Crescent at the time of opening the account

Post #29 Marriot t's & c's by my analysis shows :-

Terms 9.21 to 12.5 12.6 to 17 & 17.19 which is in my opinion incomplete. In order to challenge them would I need to explain why they are incomplete

Post #30 Lowell letter claims CCA request complied with ?They sent me a photocopy of the original credit agreement

Finally No Court Claim has been issued correct. Thats correct

It would imo take even closer examination of all the documents to confirm or deny the compliance there is some merit to the documents you have and with English Civil Law judgment is made on the balance of probabilities it could prove enough to obtain judgment. I'm living in Scotland does that affect anything

So Lowell are still just sending begging letters. At the moment I have 6 days before they ramp things up again.

nem

[nemesis45]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Hi Nem

Thank you for your reply and I'm really sorry that I haven't responded sooner but I've just moved house and its been chaos. I have Lowell chasing me again which reminded me that I had replied to your post so here goes. I thought it would be easier to copy and paste your reply and then add my reply at each relevant bit in red. Hope that's OK.

Many thanks :beagle:

OK From Post 1

The debt was assigned to Lowell from Robinson Way default date confirmed July 2010. Yes that's correct, the default has been removed from my credit file so that's something.

Post 2. Suggested CCA request to Lowell. I did a CCA to HBOS (original creditor), Robinson Way (who passed my request on to HBOS) and then to Lowell who eventually responded outside of the timescales but they did respond.

Post3/4 You say you have the agreement in your possession which is the original. They sent me a copy of the original. But the address is not that relevant when the account was opened?? The account was opened in Feb/March 2007.

Up to 10 June no response yet. It took Lowell weeks to respond to my CCA request but they eventually did.

Agreement form but no T's & C's supplied? I have T&Cs sent to me by HBOS.

Your post HBOS pdf of Marriot Rewards card agreement with a recent address.

You have it seems the HBOS NOA 's from RW to Lowell and HBOS to RW is that correct. Yes

In post #23 you say RW cancelled the payment plan DD and said the debt was in dispute but did not disclose alleged dispute? Thats correct, RW also refused to comply with a SAR and said they'd sent everything back to HBOS.

Post #28 Has a Marriot agreement with your address as it was when the account was opened Correct? I lived at Campbell Crescent at the time of opening the account

Post #29 Marriot t's & c's by my analysis shows :-

Terms 9.21 to 12.5 12.6 to 17 & 17.19 which is in my opinion incomplete. In order to challenge them would I need to explain why they are incomplete

Post #30 Lowell letter claims CCA request complied with ?They sent me a photocopy of the original credit agreement

Finally No Court Claim has been issued correct. Thats correct

It would imo take even closer examination of all the documents to confirm or deny the compliance there is some merit to the documents you have and with English Civil Law judgment is made on the balance of probabilities it could prove enough to obtain judgment. I'm living in Scotland does that affect anything

So Lowell are still just sending begging letters. At the moment I have 6 days before they ramp things up again.

nem

Hello doglover,

OK I need to go over all that which you have received/posted here and work out exactly what is missing re t's & c's and the " agreement " recon with the wrong address.

I am out this evening so I 'll get on this tomorrow.

nem

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Have a lovely evening hear from you soon uersmiley:

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Hi, I wondered if you'd had a chance to have a look at the paperwork, received another begging letter from Lowell ��

[Doglover2000]

Re: Letter from Lowell Finance Ltd for a HBOS debt

Bump

sorry for being a pain, had a letter from Lowell saying they're passing my file on to their legal team

[MIKE770]

Re: Letter from Lowell Finance Ltd for a HBOS debt

next move is the solicitor's letter before action from them? no doubt