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Scottish Statutory Demand - BW Legal / Lowells. Help please.

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  • Scottish Statutory Demand - BW Legal / Lowells. Help please.

    Hello.

    Just like to say hi to the forum as I am New to all this as most people must be.

    I had a "Appointment letter for Statutory demand" from WalkerLove delivered on Sat 18th Jan 2014 via the mail, this was dated the 15th Jan 2014.
    the letter was to let me know that someone will attend my home address on the 20th Jan 2014 between 2pm and 4pm. Two old looking guys turned up around 2pm and popped the Stat Demand through the cat flap, hmmmm.

    I had the Halifax card in 2000 - debt is over 3K.
    No Notice of Assignment served either.

    I have attached the sent forms which I am not sure about at the moment, I will be sending a CCA of first thing in the morning for any information, So do I hold off send the denial slip off until I get the information back from the CCA request?

    Hope anyone can help, I have been reading through all the threads since Saturday and know a little more that I first did.

    Many thanks in advance.

    916
    Last edited by 916; 20th January 2014, 20:21:PM.
    Tags: None

  • #2
    Re: Statutory Demand - BW Legal / Lowells. Help please.

    When did you last pay anything on this

    Comment


    • #3
      Re: Statutory Demand - BW Legal / Lowells. Help please.

      Hi Border Collie.

      I last paid the Halifax back in Approx April 2010, then Blair, Olver & Scott took over, I never knew about the CCA at the time so I ended up paying 50 a month B,O & Scott up until early 2011 then i found out about the CCA, I then sent a CCA to B,O & Scott in Jan 2012 and never had anything back, still have the letter sent and the postal proof. CAB don't tell you anything.

      Tnx

      Comment


      • #4
        Re: Statutory Demand - BW Legal / Lowells. Help please.

        Hi and welcome to LB!

        You have come to the right place, Celestine, one of the site owners, specialises in setting aside SDs, mostly from Lowell, a lot of them through BW Legal. So far, she's set aside over 50 of them! :yo: :yo: :yo:

        Start by looking at this thread: http://www.legalbeagles.info/forums/...ands-READ-HERE
        You'll find her contact details on her signature. If someone can beat Lowell, Cel can!

        A few threads to lift your spirits: :bounce:

        Comment


        • #5
          Re: Statutory Demand - BW Legal / Lowells. Help please.

          There are another couple of people currently on the site at a similar stage as you dealing with stat demands in Scotland = http://www.legalbeagles.info/forums/...805#post403805 & http://www.legalbeagles.info/forums/...ht=walker+love

          Additionally I'm afraid Celestine is unable to deal with Scots claims. If you get the CCA request sent off that's a brilliant start, it sounds like they have taken steps to enforcement action despite being in default of your 2012 cca request and that should be enough to enter denial. Unfortunately I don't know very much about the procedures on Scotland so you may want to see if you can get advice from a solicitor who deals with sequestion on a regular basis.
          Last edited by Amethyst; 20th January 2014, 22:14:PM.
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          Comment


          • #6
            Re: Statutory Demand - BW Legal / Lowells. Help please.

            As a Scottish solicitor can I offer some basic information in relation to this. If a "statutory demand" has been served on an individual as a preliminary to seeking their sequestration (bankruptcy), then this can be defeated for the price of a stamp. The demand should have appended to it a "denial slip". Completing this and sending it back to the creditor before the demand expires will render it impotent. This is not to say that you will evade bankruptcy altogether but rather that the creditor will then usually be forced into alternative action against you which will usually be much more long winded and expensive for them.

            Comment


            • #7
              Re: Statutory Demand - BW Legal / Lowells. Help please.

              Excellent - Thanks for the explanation Mark; which will no doubt come as a huge relief to these Scottish recipients of statutory demands from Lowell Portfolio.
              What do you make of the 'extra page' Walker Love seem to have included in these demands? Naughty? Misleading?

              I can assure you, many English recipients would dearly like the Scottish rules to migrate southwards!
              "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

              I am proud to have co-founded LegalBeagles in 2007

              Comment


              • #8
                Re: Statutory Demand - BW Legal / Lowells. Help please.

                What excellent news. Another kicking for Bowells. Personally I would recommend anyone posting anything to the Leeds Threat Centre send it by at least recorded if not Special Delivery. The Leeds Losers have been known to be economical with the truth and may well deny receiving any denial slip. I would have called them Liars but that may be libellous (allegedly)

                Comment


                • #9
                  Re: Statutory Demand - BW Legal / Lowells. Help please.

                  Hello Markharro

                  I live in Scotland.

                  I am about to return the denial slip to bwlegal. What should I do about the extra page 'explanation of denial' is it necessary to complete this?

                  Many thanks

                  KiaDia

                  Comment


                  • #10
                    Re: Statutory Demand - BW Legal / Lowells. Help please.

                    Originally posted by KiaDia View Post
                    Hello Markharro

                    I live in Scotland.

                    I am about to return the denial slip to bwlegal. What should I do about the extra page 'explanation of denial' is it necessary to complete this?
                    The OP has now started her own thread here:

                    http://www.legalbeagles.info/forums/...504#post405504

                    Comment


                    • #11
                      Re: Statutory Demand - BW Legal / Lowells. Help please.

                      HI. Thanks for all the information etc. I had sent off for a copy of the CCA on the 21 Jan 2014 and received a reply from bwlegal on the 25 Jan 2014 (dated 23 Jan) saying thanks for request etc, but the bottom paragraph goes as follows.

                      "We will seek to ensure that the information you have requested is provided within 12 working days, however this is contingent on receiving the documentation from your Original Creditor within the aforementioned timescale."

                      is this how it works as there does not seem much point in the 12 days +2 that are allowed if they do not stick to it. I will still send the SD back so that it arrives before my time is up.

                      Thanks again for all comments in great in put.

                      916

                      Comment


                      • #12
                        Re: Statutory Demand - BW Legal / Lowells. Help please.

                        Originally posted by KiaDia View Post
                        Hello Markharro

                        I live in Scotland.

                        I am about to return the denial slip to bwlegal. What should I do about the extra page 'explanation of denial' is it necessary to complete this?

                        Many thanks

                        KiaDia
                        As it's Lowell form DO NOT return it as it is not a Court Form

                        Comment


                        • #13
                          Re: Statutory Demand - BW Legal / Lowells. Help please.

                          Originally posted by 916 View Post
                          HI. Thanks for all the information etc. I had sent off for a copy of the CCA on the 21 Jan 2014 and received a reply from bwlegal on the 25 Jan 2014 (dated 23 Jan) saying thanks for request etc, but the bottom paragraph goes as follows.

                          "We will seek to ensure that the information you have requested is provided within 12 working days, however this is contingent on receiving the documentation from your Original Creditor within the aforementioned timescale."

                          is this how it works as there does not seem much point in the 12 days +2 that are allowed if they do not stick to it. I will still send the SD back so that it arrives before my time is up.

                          Thanks again for all comments in great in put.

                          916

                          It's actually a UK thing. It used to be an offence not to comply where as now it means little unless you are close to trial.

                          M1

                          Comment

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