Lowell Portfolio chasing old debt

[FlamingParrot]

Re: Lowell Portfolio chasing old debt

UPDATE - So far so good! 6 months have passed since I sent a CCA request, still no response from Lowell! Is this a normal timescale to wait for a CCA reply? In other words, if they were going to send me proof of CCA would they have sent it by now?

No, they should have responded in 14 working days but if Lowell ever did that, hell would freeze over! :evil:

No need to chase, in this case no news = good news! :thumb:

Now you have just 7 months to go as opposed to 13, time does fly! :clock: clock:

So it's been over 14 days and I've not heard anything from Lowells, only the letter I mentioned above from BW Legal - I know its still early days but at least the account is now in default (for now at least). 13 months to go until SB

:high5: :high5:

[james robertson]

Re: Lowell Portfolio chasing old debt

Has Lowells charged you interest on the outstanding amount - I thought they weren't allowed to charge interest after default, if i'm wrong i'd like to know, their solicitor is charging me interest at the statutory rate! :tinysmile_cry_t:

[Blaz]

Re: Lowell Portfolio chasing old debt

Hi James - To be honest i havent even checked if theyve tacked anything on, i dont think so though. My account defaulted in 2007 if i remember right, i cant say ive noticed added charges in any letters ive received over this. Unless they send me a valid copy of my CCA I wont worry about that kind of stuff, until then im counting down the months until statute barred! 6 months to go!

Speak with Flaming Parrott he's been a brilliant help for me, I hope you get things sorted!

[ramsden78]

Re: Lowell Portfolio chasing old debt

Hi James - To be honest i havent even checked if theyve tacked anything on, i dont think so though. My account defaulted in 2007 if i remember right, i cant say ive noticed added charges in any letters ive received over this. Unless they send me a valid copy of my CCA I wont worry about that kind of stuff, until then im counting down the months until statute barred! 6 months to go!

Speak with Flaming Parrott he's been a brilliant help for me, I hope you get things sorted!

Hey Blaz,

Did you hear any more about this?

[FlamingParrot]

Re: Lowell Portfolio chasing old debt

Did you hear any more about this?

Well, if he (?) didn't, it should be SBd now! :whoo:

Now you have just 7 months to go as opposed to 13, time does fly! :clock: clock:
:high5: :high5:

Well the 7 months have actually gone! I posted that 7 months ago! :grin: :grin: :grin:

Hi James - To be honest i havent even checked if theyve tacked anything on, i dont think so though. My account defaulted in 2007 if i remember right, i cant say ive noticed added charges in any letters ive received over this. Unless they send me a valid copy of my CCA I wont worry about that kind of stuff, until then im counting down the months until statute barred! 6 months to go!

Speak with Flaming Parrott he's been a brilliant help for me, I hope you get things sorted!

Much appreciated. :yo: Although I'm a lady parrot.

[Blaz]

Re: Lowell Portfolio chasing old debt

Wow so I started this thread in September 2014 and thanks to everyone's advice I sent off a CCA request and heard nothing! I thought my debt went Statute barred in November but turns iut i sent a small payment in Jan 2010, but now that its March 2016 the debt is officially SBd! :ymca:

Thank you all for your help and advice!

This week a letter from Lowell turned up "Notice of Sums in Arrears"
"Please note your account is being managed by BW LEGAL on our behalf, If you have any questions about your account or this notice please contact BW Legal"

So now that this is SBd do i ignore the letter or send a SB template letter to them? Im sure this is a just a random computer generated fishing letter but its very cheeky of them to send this seeing as im still waiting for them to respond to my CCA request lol.

[charitynjw]

Re: Lowell Portfolio chasing old debt

Hi Blaz

IMHO

You could just file for future reference, but if it were me, I'd buzz off a quick SB letter to them (free cert of posting).
Once you raise the spectre of SB, the onus is on them to prove otherwise.
(& this kind of letter is sometimes a pre-cursor of them playing silly-sods :tinysmile_twink_t2

[Blaz]

Re: Lowell Portfolio chasing old debt

Hi Blaz

IMHO

You could just file for future reference, but if it were me, I'd buzz off a quick SB letter to them (free cert of posting).
Once you raise the spectre of SB, the onus is on them to prove otherwise.
(& this kind of letter is sometimes a pre-cursor of them playing silly-sods :tinysmile_twink_t2

Thanks for the advice - can you recommend a good template?

[charitynjw]

Re: Lowell Portfolio chasing old debt

Thanks for the advice - can you recommend a good template?

http://www.legalbeagles.info/forums/...ed-Debt-Letter