lowell portfolio

[bezbo13]

Hi.
I've just received letters from Lowell and Hoist portfolio in relation to credit card beds going back around 5 years. There's balances of around £1200 on each. Letter is asking me to make contact but when I did they were rude and pushy. I'd be grateful for any advice on how to deal with these people. One debt is due to be off my credit file 1/17 and the other 5/18. Should I offer to pay a small amount each month to avoid CCJ'S or will this reset the date for it being statue barred? . I'm really stressed out and am loosing sleep with worry. Thanks in advance.

[bezbo13]

Re: lowell portfolio

Can anyone please help with this?

[bezbo13]

lowell the leaches

lowell portfolio

Hi.*
I've just received letters from Lowell and Hoist portfolio in relation to credit card beds going back around 5 years. There's balances of around £1200 on each. Letter is asking me to make contact but when I did they were rude and pushy. I'd be grateful for any advice on how to deal with these people. One debt is due to be off my credit file 1/17 and the other 5/18. Should I offer to pay a small amount each month to avoid CCJ'S or will this reset the date for it being statue barred? . I'm really stressed out and am loosing sleep with worry. Thanks in advance.

[charitynjw]

Re: lowell portfolio

Hi bezbo 13

Best go to http://legalbeagles.info/forums/foru...-a-Court-Claim , see the info on CCA s78 requests & send as shown (Adapted by yourself to suit). (Not the CPR letter yet, as you haven't mentioned any court claims).

If it were me, I wouldn't pay anything yet.

When (if) they reply with the documents, post them on here (separate threads for each one).

[charitynjw]

Re: lowell the leaches

lowell portfolio

Hi.*
I've just received letters from Lowell and Hoist portfolio in relation to credit card beds going back around 5 years. There's balances of around £1200 on each. Letter is asking me to make contact but when I did they were rude and pushy. I'd be grateful for any advice on how to deal with these people. One debt is due to be off my credit file 1/17 and the other 5/18. Should I offer to pay a small amount each month to avoid CCJ'S or will this reset the date for it being statue barred? . I'm really stressed out and am loosing sleep with worry. Thanks in advance.

Hi bezbo 13

See your other thread.

c

[bezbo13]

Re: lowell portfolio

Hi Charitynjw
Thanks for the advice. I shall send off the request asap and keep you updated. Is there any way they can issue court proceedings whilst the matter is being disputed?

[nemesis45]

Re: lowell portfolio

Hi Charitynjw
Thanks for the advice. I shall send off the request asap and keep you updated. Is there any way they can issue court proceedings whilst the matter is being disputed?

There is nothing to stop them issuing a claim at any point, unfortunately they don't even have to have the agreement in hand to issue a claim via the Northampton County Court Business Centre as claims through that court are issued electronically.

The point is that even if a claim is issued they have to prove their claim.

nem

[bezbo13]

Lowell unable to provide documents...

Hi,

I wrote on here a few weeks ago about a letter received from Lowell. I was kindly advised to request documentation under S77/78 of the CCA 1974 which I done so and they have sent 3 separate letters, one which contained some copy statements, the second was inviting me to pay a 20% reduced payment and the most recent is the attached letter with the 50% reduction and confirming they are unable to issue Court proceedings.

I'm not sure of the next step....do I pay the reduced amount or not?

Thank you in advance for your help. :-)

[nemesis45]

Re: Lowell unable to provide documents...

Hi,

I wrote on here a few weeks ago about a letter received from Lowell. I was kindly advised to request documentation under S77/78 of the CCA 1974 which I done so and they have sent 3 separate letters, one which contained some copy statements, the second was inviting me to pay a 20% reduced payment and the most recent is the attached letter with the 50% reduction and confirming they are unable to issue Court proceedings.

I'm not sure of the next step....do I pay the reduced amount or not?

Thank you in advance for your help. :-)

Good morning,

Lowell can continue to press for payment and you can continue to ignore them!

Is Lowell on one of it's multiple phone calls, texts or e-mail campaigns yet?
What is the total amount they are chasing?

nem


I 'll ask the LB team to merge your threads to avoid confusion.
[MENTION=49370]Kati[/MENTION] can you help please? nemxx

[bezbo13]

Re: Lowell unable to provide documents...

Hi Nem,

Thank you so much for your quick response.

I'm only receiving letters, no calls / emails or texts yet!

Am I right in thinking that if I don't pay anything and simply ignore them no further damage can be done to my credit file?

What would the implications be if I offered a small settlement just to get them off my back?

thanks

[nemesis45]

Re: Lowell unable to provide documents...

Hi Nem,

Thank you so much for your quick response.

I'm only receiving letters, no calls / emails or texts yet!

Am I right in thinking that if I don't pay anything and simply ignore them no further damage can be done to my credit file?

What would the implications be if I offered a small settlement just to get them off my back?

thanks

Hi bezbo,

Any payment will only get the credit file entry will result in the credit files being marked " satisfied or partially satisfied" the entry will remain of file for the rest of the 6 year period when it will be removes paid or not.

nem