Lowell's CCJ claim

[Emlewuna]

After all, why would they not send it in the hard copy to me two months ago but now it has magically appeared in Lowells possession?

[Emlewuna]

Does anyone have any thoughts of what I might do next? pt2537 jaguarsuk Celestine
starting to flap a bit

[pt2537]

Does anyone have any thoughts of what I might do next? pt2537 jaguarsuk Celestine
starting to flap a bit

Its really difficult to say with out having the paperwork you recieved in front of me. I appreciate why you would need to redact things but sometimes redacted documents make it impossible to say one way or the other.

[Emlewuna]

Ok, not sure how to move forward then, shall I post unedited versions of the stuff Lowell's have managed to get hold of and emailed me? Or is it the whole file tesco sent me because that lot is about an inch thick over the past 10 years.

[Emlewuna]

Hi, I've got 4 days to make an offer shall I just give in? Is that the inevitable anyway? Fed up of worrying about getting a ccj, a bit annoyed I didnt get the same information from tesco that Lowell's have provided (the default notice) feeling really helpless

[jaguarsuk]

I’d say the fact that Tesco have not provided it and Lowell somehow have is very dodgy. Why have Tesco provided shed loads of paperwork and not that one?

As PT has said the validity of what Lowell have provided can only be determined if seen, redacted is better than nothing.

Sending unredacted documents to say Amythyst or Pt
to assess would be fine, but don’t post them on the forum.

[Emlewuna]

Thanks jaguarsuk I've sent pt my documents just to see what he thinks. It's worth a go.
Lord only knows what is happening with the difference in paperwork from either end but it doesn't smell right to me!
Anyway, thanks for your suggestion, I appreciapprthe advice

[sloane82]

Hi what has happened regarding the case?

[Emlewuna]

Hi sloane82 nothing as of yet, I've still got three days to respond to Lowell's settlement email as they are positive it could win in court.

[sloane82]

So hang on did you have PPI and charges on the loan why are they after the money now?

[Emlewuna]

No I didn't have ppi or charges on the loan. Probably because the actual last payment that was made was on in August 2018 so fairly recent?

[Emlewuna]

Hi everyone, should I ask Lowell's for more time in order to respond to this do you think?

[MIKE770]

PPI etc would not be taken into account but a separate issue

[Emlewuna]

Hi guys,
Pt has probably been busy and not got back to me yet about what I've sent.
Should I email lowells and tell them I am going to respond but need more time? I'm nervous they will file for ccj and it will get a judgement if I don't say anything at all?

[Celestine]

Annotation 2020-07-09 102134.png

I can't see any Key terms here?? pt2537



Interest rate. Duration. Cancellation. This agreement appears to have a very important page missing. These are T&C's certainly but they are not the Key Terms?
Look at the Numbers! It starts at Number 4 - Terms 1-3 are absent.