Lowell again

[winner12]

Hi all could not find my original thread
Received a letter from the muppets having looked into my complaint they state they did not receive 2 letters so were unaware of my problems I quoted bluebottles suggestion about informing the credit fitness team there reply to that was we will discuss with them any concerns you have with your account
Also you did not fill in the expenditure form we sent you so its all your fault pay up
First mistake they must have received my letters they included my reduced payment
secondly the credit fitness team I gather dont discuss individual cases they replied to say they had noted my points etc
Thirdly they dont own the account Barclays do they are only collecting so have no
and last of all they have not answered my complaint properly as I complained about being harassed and threatened by a DCA that are only collecting and dont own the debt

[labman]

Re: Lowell again

Do you have a copy of the letter of complaint you sent to them?

[winner12]

Re: Lowell again

Yes I always copy everything
Oh and I forgot to add they want me to send them £10 to get all info on my account

[Bill-K]

Re: Lowell again

Yes I always copy everything
Oh and I forgot to add they want me to send them £10 to get all info on my account

Yeah, you're on the ball, Winner. Looks like you've already caught them being 'economical with the truth' !!!

I suspect that they are asking you to send them a 'Data Subject Access Request' (DSAR). This is a formal request for them to send you ALL data which they have pertaining to you personally - and which is held in a 'relevant' filing system (or format). This, I believe, is best sent to the Original Creditor (Littlewoods ?) - as opposed to a DCA. If you don't have a good set of data records, then it's worth a tenner, IMO. If you have good records, then leave it, I say.

Looks like you have some good stuff to fire back at them, but don't let them see all of your cards at once. Give them some rope, I always say. But prioritise.

I think this may be the original thread. If an admin can splice it, then that would be good. Can you confirm it's the right thread, though, matey ?


http://www.legalbeagles.info/forums/...ell&highlight=

[winner12]

Re: Lowell again

Thanks Bill
Yes it is the same thread and Barclays took it over it was my first DCA dealings I stupidly sent them my Cashflow statement right at the onset but am loathed to cooperate with them now I know them better

[labman]

Re: Lowell again

I stupidly sent them my Cashflow statement right at the onset

Circumstances change though, so what was the situation then may well not be the situation now! :beagle:

[winner12]

Re: Lowell again

Hi Labman
Am I correct in saying though because they are only collecting they should not be threatening me with anything and they should accept my reduced DMP
I dont like Lowell never have they are relentless and more inclined to say we did not receive any letters when I know they did

[labman]

Re: Lowell again

Hi Labman
Am I correct in saying though because they are only collecting they should not be threatening me with anything and they should accept my reduced DMP
I dont like Lowell never have they are relentless and more inclined to say we did not receive any letters when I know they did

They have been assigned the debt in what is called an Equitable Assignment. This gives them the right to collect the equity in the debt (the monies outstanding), but no right to initiate court proceedings unless they do so with the OC.

At the end of the day, while they may write to you about a reduced monthly payment, NOBODY other than a court of law, can demand your income and expenditure. So as far as Lowells are concerned, my suggestion would be to keep paying what you are paying. If they don't like it, what can they do? They can go back to OC to suggest court action, but is it worth them doing that and risking the court setting an even lower payment?

Take everything a DCA says with a pinch of salt, as they are renowned for exaggerating their real powers. You just need to be sure 100% they have not bought the debt and do not own it. If they have, it is a completely different ball game.

[winner12]

Re: Lowell again

I have done some digging and found the hello goodbye letter which I queried at the time
Dear Winner
We hereby give notice of the assignment of this debt due to us from you in respect of the balance of
£xxxxx outstanding on your Barclaycard account.

On xxxxx your account was sold to Lowell Portfolio 1 LTD

Any further communications and payments must therefore be addressed to Lowell Poertfolio 1 LTD

Enterprise House
1 Apex View
Leeds
LS11 9BH

Yours sincerely
For and on behalf of Barclays Bank

Its a photo copy

This was the letter I received its very different to the official letters I got from Barclays when they sold to Cabot
And I got the letter introducing Lowell with this copy
Now I know from bitter experience and others advice that Lowell lie through their teeth
So is this as I suspect not sold to Lowell at all

[labman]

Re: Lowell again

Why not write to Barclays and ask if they still own this account or not? You then have it in writing from the horse's mouth. You may even be able to e-mail them and save the cost of a stamp. DON'T PHONE!

Whether or not they own the debt (it would be useful to know), just contiue to pay what you can afford and don't let them bully you. Certainly do not provide things to them like your I&E. You tell them what you can afford, not vice versa. If they don't like what you are paying, then it is up to them to do something about it. They cannot have what you have not got. Once you accept that fact, money worries take on a whole new dimension.

[winner12]

Re: Lowell again

Thanks Labman
Will write to Barclays oh and while digging I have a letter saying I have PPI its from Littlewoods who originally held the account before Barclays so thats interesting can see a dispute coming on

[labman]

Re: Lowell again

Thanks Labman
Will write to Barclays oh and while digging I have a letter saying I have PPI its from Littlewoods who originally held the account before Barclays so thats interesting can see a dispute coming on

Di30 and BillK or Turboman are your people for ppi!

[Bill-K]

Re: Lowell again

If Littlewoods were charging PPI, then it should show on the monthly account statements. If you still have these, then I can post up a spreadsheet for calculating the PPI reclaim. If you don't have them, then I think you will probably have to send L'woods a Data Subject Access Request to get copies of them.

They will probably reduce the balance outstanding, as opposed to refunding the PPI - but it is possible for the PPI to be enough to settle the debt.

[winner12]

Re: Lowell again

Hi Bill
What is the best way to deal with Lowell in this instance then just pay them what I can but tell them I am querying something without telling exactly what it is would this get them off my back a little bit

[Bill-K]

Re: Lowell again

DCA's are not my area I'm afraid Winner, so I can't advise very well on that. I think Labman's advice is probably best for now - just send them what you can manage. You could perhaps tell them you are exploring other avenues in your efforts to try and repay the debt - but don't go into detail.