Lowells/Barclaycard

[rizel23]

Re: Lowells/Barclaycard

OK, so they haven't added anything to that account and the balance is as you expected it to be?

BUT they have suspended the account due to 'your conduct' on the other account.

I am not entirely surprised by this, the question now is, do you even wish to give Sharklaycard any more of your business now?

They will probably keep the account suspended whilst the other dispute rumbles on.

It would probably be better to close the account and find a better credit card provider if you can.

Thanks, i have two other Credit Cards from the main stream lenders (HSBC & Post Office) which i keep clear and use for everyday items to help build my credit back up as this mess, i think my best bet is to write to them asking them to either reinstate the card or close it ASAP, either way i win as i'll get the use of the card back or my £1.05!

[ODC]

Re: Lowells/Barclaycard

Why dont you offer to pay Lowells from the balance on your suspended card. That should get the telephone threat monkey aroused for a couple of minutes as he thinks how much red bull he can buy with his commision

[Celestine]

Re: Lowells/Barclaycard

Why dont you offer to pay Lowells from the balance on your suspended card. That should get the telephone threat monkey aroused for a couple of minutes as he thinks how much red bull he can buy with his commision

Full and final settlement??

[teaboy2]

Re: Lowells/Barclaycard

By suspending the second account, is that not repudiation of contract? I think it is, and they can only do that lawfully under a section 98 written notice. So if their letter does not mention section 98 then their actions would be in breach of contract!

[rizel23]

Re: Lowells/Barclaycard

By suspending the second account, is that not repudiation of contract? I think it is, and they can only do that lawfully under a section 98 written notice. So if their letter does not mention section 98 then their actions would be in breach of contract!

I'm not entirely sure, i will write a letter to them regardless and take it further from there reply.

Some good news!

After 7 months Lowell's have decided to sell the alleged debt and account onto a new collector. Sadly discounts will no longer be available!

So anyone in similar situation with an alleged debt of less thank 1K on credit card agreement just ignor them for 7 months and they will disappear. The treats of CCJs and Bailiffs are just that. After all the letters, and there was a lot, they have finally given up!

[ODC]

Re: Lowells/Barclaycard

Who did the Leeds losers fob this unenforceable debt on to. Muck Hall per chance

[rizel23]

Re: Lowells/Barclaycard

Who did the Leeds losers fob this unenforceable debt on to. Muck Hall per chance

No idea, they have yet to make contact, but when they do they shall be joining the Lowell's letters in my filling cabinet, with no reply. Its just a merry go round with them all. The other two accounts i had that were in dispute from M&S & Virgin have no been heard from in well over 8 months now, both unenforceable CCA's and faulty DNs. They must think people are stupid!

[ODC]

Re: Lowells/Barclaycard

No idea, they have yet to make contact, but when they do they shall be joining the Lowell's letters in my filling cabinet, with no reply. Its just a merry go round with them all. The other two accounts i had that were in dispute from M&S & Virgin have no been heard from in well over 8 months now, both unenforceable CCA's and faulty DNs. They must think people are stupid!

I have them on my case re M&S. One of those credit cards that were issued to replace a charge card. Of course the credit car was never applied for so hey will have extreme difficulty producing a credit application for it. Juan Kerrs

[Angry Cat]

Re: Lowells/Barclaycard

They must think people are stupid!

Clearly.
However, they have discovered and to their cost that many are not...

[rizel23]

Re: Lowells/Barclaycard

I have them on my case re M&S. One of those credit cards that were issued to replace a charge card. Of course the credit car was never applied for so hey will have extreme difficulty producing a credit application for it. Juan Kerrs

It is actually not a charge card, i got into financially difficulties some years back due to ill health, and M&S refused a temporary payment arrangement (if i recall). So CCA'd them, clear errors were pointed out to them and despite that they sent me faulty DN to top it off. It was a low balance in real terms (less than £500) and really have not heard much from them, i now have three defaults in total, all registered with in months of each other, so even getting one removed would leave two others, hence why i think its best just to let time heal and in the mean time build my credit up.

[ODC]

Re: Lowells/Barclaycard

It is actually not a charge card, i got into financially difficulties some years back due to ill health, and M&S refused a temporary payment arrangement (if i recall). So CCA'd them, clear errors were pointed out to them and despite that they sent me faulty DN to top it off. It was a low balance in real terms (less than £500) and really have not heard much from them, i now have three defaults in total, all registered with in months of each other, so even getting one removed would leave two others, hence why i think its best just to let time heal and in the mean time build my credit up.

Mine was for a Credit Card. M&S chased it for ages passed it round the pond life before it landed on the dung heap that is Lowells. I know its unenforceable so do Lowells but of course they cannot bring themselves to admit it. No doubt it will follow the same predictable pattern

[rizel23]

Re: Lowells/Barclaycard

well not heard anything from them or anyone since it has been sold by Lowells, guess its just a matter of time till the filling starts again though

[RatbmfRatbmf]

Re: Lowells/Barclaycard

I have been contacted today by the lowell group, demanding 10000 pound, i divorced my husband back in 2005 and he was suppose to be paying this loan, I remarried later on, had a family, now this company have tracked me down and demanding money, last payment on loan was 2005, I don't know wat to do? Could someone Please help?

[ODC]

Re: Lowells/Barclaycard

Simple

The alleged debt is Statute Barred by virtue of S5 of the Limitation Act1980. Write to Clownells and tell them this

[CleverClogs]

Re: Lowells/Barclaycard

I have been contacted today by the lowell group, demanding 10000 pound, i divorced my husband back in 2005 and he was suppose to be paying this loan, I remarried later on, had a family, now this company have tracked me down and demanding money, last payment on loan was 2005, I don't know wat to do? Could someone Please help?

Refer those oafs to the retort in the case of Arkell v Pressdram - link

Under section 5 of the Limitation Act 1980 (link) the debt is statute barred - which means that whilst they may ask for the money, they cannot enforce the debt through the courts and must cease even to ask for the money when the alleged debtor has indicated that the alleged debt is statute barred and that not one penny will therefore be paid.

Lowells may try to claim that a payment was made recently and that this has restarted the limitation period, but they are rarely entirely truthful; section 29 (7) - link - states that once a cause of action becomes statute barred, it cannot be revived.