Llowells

[Kassy]

Hello everyone ,
The reason joined is because of llowells

[Hurricane Puffrose]

Re: Llowells

Hello Kassy and welcome to Legal Beagles!

your in the perfect place for help with llowells.
Hang in there hun, the experts are coming

P

[bluebottle]

Re: Llowells

Hi Kassy,

Could you tell us what Lowells have been up to in your case, please? They are well-known on the LB forums.

BB

[bluebottle]

Re: Llowells

Hello Kassy and welcome to Legal Beagles!

your in the perfect place for help with llowells.
Hang in there hun, the experts are coming

P

Hi Puff,

I've found Kassy's thread at http://www.legalbeagles.info/forums/...-from-llowells. Could you rally the troops, please? It sounds like Lowells are up to their old tricks.

Thanks.

BB

[Kassy]

Re: Llowells

Started with letters from Red then llowells and finally Hamptons, , saying they own the debts of £ 7000 , this has now gone up to £ 9,000 because I need to pay there legal costs, I have no way of paying this and by the time ive paid my mortage and other bills im left with £34 I have made them aware of this but they are insisting on taking me to court, as I can't pay what they want monthly

[bluebottle]

Re: Llowells

Started with letters from Red then llowells and finally Hamptons, , saying they own the debts of £ 7000 , this has now gone up to £ 9,000 because I need to pay there legal costs, I have no way of paying this and by the time ive paid my mortage and other bills im left with £34 I have made them aware of this but they are insisting on taking me to court, as I can't pay what they want monthly

They can't make you pay more than you can afford. Do you actually owe the sums they claim you owe? Do Lowells have a CCJ against you?

[labman]

Re: Llowells

Hi Kassy,

I'm sorry to read about your situation. I haven't read your old thread, so apologies if this repeats anything. Have you been to see anyone who can do a Common Financial Statement for you?

This is an officially accepted form of an Income / Expenditure, used by the courts when making judgments on debtors' repayment orders. If you haven't got one of these, tell us and we'll let you know where you can get one completed as a matter of urgency.

Don't worry about the court, whatever Lowells etc... say. Your main focus MUST be on covering priority expenditure - mortgage/rent, council tak, gas, electric, secured loans, existing court fines,child support and HP agreements. Anything else can wait. Of those above it is not hard to prioritise. Water is NOT a priority debt anymore as you cannot be disconnected.

Anything else gets a share of your disposable income whether it be £34 or £3400 on a pro rata basis. No judge will make you pay more than you can afford.

Without knowing the details of your financial circumstances, it is hard to know whether there may be other avenues which better suit you. There are plenty of FREE debt advice places out there though who will help you - CAB, CCCS and Payplan are just three of many.

Above all, don't worry - nobody can have what you haven't got to give.

[CleverClogs]

Re: Llowells

Hello everyone ,
The reason joined is because of llowells

Llowells?

Are they Welsh?

[Kassy]

Re: Llowells

No they don't have a CCJ against me ,basically they want me to pay my whole wage every month.

[Kassy]

Re: Llowells

Sorry it was a spelling mistake due to lack of sleep and being extremely worried about losing my home

[bluebottle]

Re: Llowells

No they don't have a CCJ against me ,basically they want me to pay my whole wage every month.

This needs to be reported to the OFT Credit Fitness Team without delay as well as Trading Standards. Lowells are seriously in breach of OFT Debt Collection Guidelines. In short, they are in breach of the terms of their OFT licence. I am attaching a document which takes you through reporting a bailiff company to OFT Credit Fitness Team, but the procedure for reporting a DCA is more or less the same. You will need to quote the following details in your complaint -

Company Name: Lowell Financial
CCA Licence No.: 0528607

I'm attaching the OFT Debt Collection Guidelines to this post as well. Please let us know how many breaches of the Guidelines you find on Lowell's part.