HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn :) !

[FlamingParrot]

Re: HELP!! SD not received? and letter from BW Legal on Lloyds Loan

EXCELLENT NEWS! :whoo::whoo::whoo:

...and if Lloyds had no record of the loan in 2010...

[sasharoo]

Re: HELP!! SD not received? and letter from BW Legal on Lloyds Loan

That's what they stated to me on 23/09/2010 and it disappeared from my internet banking. I still have a current and savings account with them to this day, so again I wrongly assumed they had maybe lost the CCA or messed up somewhere so that they couldn't legally pursue it. I could never understand why someone so big as Lloyds didn't commence legal action at some stage but obviously Lowells are prepared to.

I'll keep you posted as to the progress.......

[FlamingParrot]

Re: HELP!! SD not received? and letter from BW Legal on Lloyds Loan

That's what they stated to me on 23/09/2010 and it disappeared from my internet banking.

That could well have been because, having defaulted on it, you would no longer be able to access it in the conventional way.

I still have a current and savings account with them to this day, so again I wrongly assumed they had maybe lost the CCA

But you never actually received a copy of the CCA, did you? So who says they haven't lost it?

or messed up somewhere so that they couldn't legally pursue it. I could never understand why someone so big as Lloyds didn't commence legal action at some stage but obviously Lowells are prepared to. I'll keep you posted as to the progress.......

Lowell buy all sorts of old debts including those that are already statute barred. They use SDs as a way to scare people into paying, as they know most would find the prospect of BR more daunting than a CCJ. They hope to by-pass the process of having to provide documents, etc., although they also issue lots of court claims where they are not able to supply any evidence of the debt whatsoever! :mad2: :mad2:

[Amethyst]

Re: HELP!! SD not received? and letter from BW Legal on Lloyds Loan

I AM SO RELIEVED AND GRATEFUL TO KATE!! I am amazed that it's been done so quickly and have to say sincere thanks to Kate and this forum for the advice and support I have had in such a short space of time. Bless you!

I will send off CCA's and see what they come back with. At least I can have the weekend worry free as I can honestly say I have been a nervous wreck since yesterday, crying and blaming myself for getting in this mess.

Thank you again to the forum and especially to Kate for the help and support, still can't quite believe it !!

Marvellous xx Amazing what a phonecall can do isn't it xx

[Inca]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Awwwww......don't waste time crying and fretting...it'll only give you wrinkles and we don't need that...what you have been blessed with now is TIME...time to get your head together.......your paperwork together.....and your defence (if needed) together....and to get a HUGE bar of your favourite choccy......and a bottle of your favourite tipple....and forget about it all weekend.........

[sasharoo]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Hi All, not been on as net has been down since Friday last week!!

Just to update I've sent a SAR to Lloyds and Vodafone and LOWELLS GROUP to hopefully go on the offensive and see what they DO actually have.

I do want to sort this out finally but I also want to make sure that Lowells have done everything legally and above board before they will get a penny.

I also had a long phone call with TSB on Friday and they again have no record of the loan and she stated that something has obviously gone seriously wrong with the loan, hence why I have now SAR'd Lloyds.

I'll no doubt end up with a tree through the post but I want to be thorough and gather as much info as I can.

Enjoy the weekend folks and I'll update as soon as I hear anything.

[Vodafone Company Rep]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Hi sasharoo,

If you'd like any help from me with the Vodafone side of things, could you email me with your details via the Contact us form here and quote the code WRT135 - FAO Lee in the subject line?

Once sent you'll receive an automated reply with a reference number. To make sure it reaches me could you update the thread with this and I'll get back to you as soon as I can?

Kind regards,

Lee

Web Relations

Vodafone UK

[sasharoo]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Hi sasharoo,

If you'd like any help from me with the Vodafone side of things, could you email me with your details via the Contact us form here and quote the code WRT135 - FAO Lee in the subject line?

Once sent you'll receive an automated reply with a reference number. To make sure it reaches me could you update the thread with this and I'll get back to you as soon as I can?

Kind regards,

Lee

Web Relations

Vodafone UK

That's very kind of you Lee but I'm going to wait until the SAR comes back as I have received my Experian credit report today and there is nothing registered for Vodafone at all so I'm not sure what Lowells are up to. I'll find out more when the info arrives.

Have seen on the report that the loan to Lloyds is settled?? This was August last year. But there is an entry Nov 13 registering the debt with Lowells stating 'assigned to Cias member'. Not sure what that means but I'm going to Google and do a bit of research.

Lowells are still credit searching me, why I don't Know, latest being 26th Jan 14. They have also searched my ex so I think he is going to complain to Lowells as they have no right to search his data as far as I am aware.

If they apparently bought the debt in July 13 why did they not register it until Nov? But it was settled in August according to my credit file.

[Vodafone Company Rep]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

You're welcome sasharoo.

I appreciate that you want to wait for your SAR to be returned.

However, as this way take some time (up to 40 days) I'm sure I could get things cleared up for you sooner.

Ultimately, it's your decision but my offer of help remains open to you.

Kind regards,

Lee

Web Relations

Vodafone UK

[sasharoo]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Ok so I've had a response from Llowells saying they can't give me a CCA for Vodafone as it was a service agreement. Do I now send them a different request. Not really sure what they mean?

They have also sent me another letter saying that they have now written to Lloyds to obtain the necessary paperwork. Why can they threaten me with an SD if they don't even have the correct documents such as a CCA or assignment?

I still smell a rat but I'll persist and see what happens.

[Vodafone Company Rep]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Hi sasharoo,

Thanks for the update.

As mobile agreements as classed as service agreements they aren't regulated under the Consumer Credit Act 1974.

If you'd like any further help from me let me know.

Kind regards,

Lee

Web Relations

Vodafone UK

[Celestine]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Yes Sash, thats correct. You can only send a s.77 to get details of any loan agreement.

If you don't know what the Vodafone debt relates to or you dispute it, perhaps Lee may be able to help?

Hope you're well anyway? xx

[sasharoo]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Yes Sash, thats correct. You can only send a s.77 to get details of any loan agreement.

If you don't know what the Vodafone debt relates to or you dispute it, perhaps Lee may be able to help?

Hope you're well anyway? xx

Hi Celestine
I'm good thank you and hope you're well too!

Just going to wait until I get the SAR's and pick it up from there. Want to see what they have compared with what Lowells claim they have. There is nothing on my credit file regarding Vodafone so ?????

Take care and I'll keep you posted

[Vodafone Company Rep]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Hi sasharoo,

When an account is sold to a DCA the adverse information which we've recorded against the customer's credit file is removed and replaced with identical information in the name of the purchasing DCA.

Hope this clears things up for you.

Lee

Web Relations

Vodafone UK

[sasharoo]

Re: HELP!! Stat demand Lowell BW Legal on Lloyds Loan - SD withdrawn !

Thanks for that Lee but if that's the case I'm not sure then why Lloyds is still showing as the original loan on my file as settled with an additional entry for Lowells as a default in Nov last year. How can I default with Lowells if i never had an agreement with them in the first place.

Surely then Lloyds would just be replaced with Lowells name and in addition I haven't ever received a letter from Vodafone or Lowells assigning the debt.

Kind regards

Sash