Lowell/Lloyds Statutory Demand - WON!!!

[fiveyearplan]

A friend of mine received a statutory demand from Lowell Portfolio for a Loyds TSB credit card that she had some time ago. The letter/demand is dated 24 September 2013, however they wrote again giving her until 5 November to send them a reply. My main query is if this is a real statutory demand or a scare tactic - they served her the letter/demand in person.

My friend sent Lloyds a template letter asking for a true copy of the credit agreement. She has sent this letter a few times over the past 3-4 years and no agreement has ever been sent back to her.

The debt is allegedly £10,000. Any advice on what she should do? Are Lowells following through with bankruptcies?

[Inca]

Re: Lowell/Lloyds Statutory Demand

Are Lowells following through with bankruptcies?

Well,,they're TRYING to,,,but they keep blundering into Celestine and LB
I can't help you but there are plenty on here who can and will

[FlamingParrot]

Re: Lowell/Lloyds Statutory Demand

A friend of mine received a statutory demand from Lowell Portfolio for a Loyds TSB credit card that she had some time ago. The letter/demand is dated 24 September 2013, however they wrote again giving her until 5 November to send them a reply. My main query is if this is a real statutory demand or a scare tactic - they served her the letter/demand in person.

If it was served in person, it is for real. Lowell are very fond of SDs, they are not scare tactics. :nono:

My friend sent Lloyds a template letter asking for a true copy of the credit agreement. She has sent this letter a few times over the past 3-4 years and no agreement has ever been sent back to her.

Has she sent a fresh CCA request recently? If not, she should do so a.s.a.p.

The debt is allegedly £10,377.20. Any advice on what she should do? Are Lowells following through with bankruptcies?

They most certainly are!

You are in the right place, because Celestine, the site owner, :yo: specialises in setting aside SDs, and most of them have been from Lowell. Her track record with them is outstanding!

I'll flag this for her attention. :thumb:

[FlamingParrot]

Re: Lowell/Lloyds Statutory Demand

You may want to get your friend over here and get them to read this: http://www.legalbeagles.info/forums/...atutory+demand

Cel won this one yesterday: http://www.legalbeagles.info/forums/...atutory+demand

[Amethyst]

Re: Lowell/Lloyds Statutory Demand

You mention the SD is dated 24th September - do you know what date it was served upon your friend ? It is important as you only have 18 days to apply to set aside the stat demand after service.

You'll need your friend to scan in copies of the SD and the subsequent letter received (don't post on here just get them ready)
Other than the CCA not showing up is there any other dispute on the debt ?
Do you know when the last time she made a payment or acknowledged the debt was ?
Does your friend own her own home?

Celestine will be able to help but your friend should start getting her paperwork together as I feel the deadlines are a bit tight. Try not to worry too much as if they had the agreement they would have sent it before now so you should be able to set it aside.

[FlamingParrot]

Re: Lowell/Lloyds Statutory Demand

Are Lowells following through with bankruptcies?

See for yourself, although it looks like the number has reduced ever since Cel got on the case! :thumb:

[QCKate]

Re: Lowell/Lloyds Statutory Demand

A friend of mine received a statutory demand from Lowell Portfolio for a Loyds TSB credit card that she had some time ago. The letter/demand is dated 24 September 2013, however they wrote again giving her until 5 November to send them a reply. My main query is if this is a real statutory demand or a scare tactic - they served her the letter/demand in person.

My friend sent Lloyds a template letter asking for a true copy of the credit agreement. She has sent this letter a few times over the past 3-4 years and no agreement has ever been sent back to her.

The debt is allegedly £10,377.20. Any advice on what she should do? Are Lowells following through with bankruptcies?

VERY IMPORTANT...READ THIS FIRST. This could be the best day of your life (well, it could help you a lot!!!!)

http://www.legalbeagles.info/forums/...tutory+Demands


QCK

[FlamingParrot]

Re: Lowell/Lloyds Statutory Demand

You mention the SD is dated 24th September - do you know what date it was served upon your friend ? It is important as you only have 18 days to apply to set aside the stat demand after service.

I was thinking the same thing, we've had a few here that were dated up to 3 weeks earlier than the day they were hand-delivered! :scared: :scared: :scared:

One of Lowell's many tricks! :mad2: :mad2: :mad2:

This was one of them, quoted below as it's in the VIP area:

Please help, I'm worried and I don't know what to do...
I came home at lunchtime to find a SD posted through the door (not stamped - hand delivered by process server)

I currently have a lot of debt and have been burying my head for a while.
In 2009 I was made redundant and fell behind on payments and I hit a pretty bad place. (The anxious feelings are now back)
I had 2 mail order accounts with Littlewoods which I disputed the charges (for returned goods) and couldn't afford payments.
The debt was sold to Lowell Group.

I do own my home, however I am on an interest only mortgage and their is no more than about 2K equity in it. If i sold it, I would be in negative after fee's.

Should I call BW Legal and talk to them and offer £10 per week (thats the absolute most I can afford) or is it too late to write to them?
The letter is dated 17th January (over 3 weeks ago)

I am scanning the SD and will upload them.

Thanks in advance for any advice...

[fiveyearplan]

Re: Lowell/Lloyds Statutory Demand

Thanks for all your replies. I've just been reading through all the links. She was served the letter on 9th October.

She does own her own home (well its mortgaged) and she has a lot of equity in it. I don't think she has any charges on the property.

[fiveyearplan]

Re: Lowell/Lloyds Statutory Demand

Thanks for all your replies. I've just been reading through all the links. She was served the letter on 9th October.

She does own her own home (well its mortgaged) and she has a lot of equity in it. I don't think she has any charges on the property.

[FlamingParrot]

Re: Lowell/Lloyds Statutory Demand

Thanks for all your replies. I've just been reading through all the links. She was served the letter on 9th October.

They've done it again! Dated 2 weeks early!

A friend of mine received a statutory demand from Lowell Portfolio for a Loyds TSB credit card that she had some time ago. The letter/demand is dated 24 September 2013, however they wrote again giving her until 5 November to send them a reply. My main query is if this is a real statutory demand or a scare tactic - they served her the letter/demand in person.

[Amethyst]

Re: Lowell/Lloyds Statutory Demand

lol love your smilies.... What date does that make the 18 days ?

Thanks for all your replies. I've just been reading through all the links. She was served the letter on 9th October.

She does own her own home (well its mortgaged) and she has a lot of equity in it. I don't think she has any charges on the property.

Okay. that's better than the 24th. Do you have any more information about what was written in the letter giving her until the 5th November?

She needs to get this set aside or make an arrangement with Lowells asap. Don't do anything just yet though, speak to Cel first.

The CCA issue is a big point in her favour - do you know when she took out the card ? Presumably quite a long time ago if she has spent 3-4 years sending CCA requests but best to check.

Also when did she last make payment/acknowledge the debt?

We've flagged your thread up for the attention of Celestine, she will need to speak directly to your friend though.

[Celestine]

Re: Lowell/Lloyds Statutory Demand

Eeek, if the stat demand was served 9th October, the deadline is tomorrow. Please tell your friend to email me copies of the stat demand and her full contact details to my email address in my signature below. Being blunt, I'll need it done tonight so I can try and resolve tomorrow. Your friend will also need to be reachable tomorrow and near a fax/scanner to get a witness statement back to me PDQ.
I'll do my very best x

[fiveyearplan]

Re: Lowell/Lloyds Statutory Demand

Fantastic. I'll speak to her now.

[Celestine]

Re: Lowell/Lloyds Statutory Demand

Application to set aside filed