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Hi guys. Looking for abit of advice. I have several accounts with Lowell. One of the accounts had a discount which was agreed by myself and Lowell. This was going for about a year or so, then when I checked my account online I noticed the amount owing was the original amount with no discount. I sent 2 emails with no reply and then when I rang *them they said someone had made a mistake and the discount should not have been applied and I owe the full amount. I asked why no one had contacted me about this and all I was told is they don’t know why? Are they allowed to do this? Is this legal to change the agreement of a payment plan? If it’s a CCJ does this change anything? Thanks for any help or guidance. Rob
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Were you making payments to the account based on the discounted amount?*"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
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Hi. Yes I was making payments monthly to the agreed discounted amountComment
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Then that is unacceptable as the monthly repayments/time to repay will be different.*
Was this payment plan agreed as a result of a court claim or agreed without legal action, unsure where the reference to CCJ comes in?*"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
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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Hi. Sorry for late reply. I think Lowell bought the debt from welcome finance. The reduced payment amount was agreed by Lowell as I offered a lesser amount to clear quicker. The lady I spoke to at Lowell said they can’t reduce amounts as it was a CCJ. But I didn’t think it was as a CCJ would be recovered from the courts?Comment
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I would have thought if this was a ccj you would have reference to that ?. And the Court would have set the amount you have to repay. As always with these transactions, you should have requested a confirmation letter, that way there obviously would be no question of repayment.Comment
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What does your credit file say about this debt? That should help explain its' status."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
If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. comComment
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I’ll have to check my credit file regarding it. I just don’t think it legal to change the amount to be paid once a settlement has been agreed and furthermore not to be notified?*Comment
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