Lowel account paid

[jet83]

Re: Lowel account paid

Blue Star needs help on this thread too - does anyone on here speak Polish to help with post # 24 :help:

http://www.legalbeagles.info/forums/...292#post315292

I don't speak Polish but if you want to translate Polish to English then you could use this link http://translate.google.co.uk/?hl=en&tab=wT

[BlueStar83]

Re: Lowel account paid

thanks guys! nah not scared of lowel, if they buy the debt for %5 then surely thats all they can claims, as they are adding on extras? do they actually have to provide a deed of assignment? and also, they are hounding me even though the account is in dispute and the amoutn has actually been lowered by vanquis?? just find the whole debt collection process funny...even my mortgage shortfall of 30k has not been pursued in any meaningfull way!!

[Kafka]

Re: Lowel account paid

They are not required to provide a Deed of Assignment as that is confidential commercial correspondence between the firms. What you can demand is a copy of the Notice of Assignment, which informs you that the account has been assigned (sold) to another firm who inherit the rights and duties from the Original Creditor. There are various issues about the legitimacy of these though and Curly has a thread here about that.

[FlamingParrot]

Re: Lowel account paid

They are not required to provide a Deed of Assignment as that is confidential commercial correspondence between the firms. What you can demand is a copy of the Notice of Assignment, which informs you that the account has been assigned (sold) to another firm who inherit the rights and duties from the Original Creditor. There are various issues about the legitimacy of these though and Curly has a thread here about that.

This one here ---> http://www.legalbeagles.info/forums/...ght=assignment

[jon1965]

Re: Lowel account paid

If the Banned Club is for everyone who's been banned OTR, then it can't be very exclusive can it?

As Fp says different OTR's

The Cag ban is really so common it's almost vulgar. I have been banned from there so many times I have lost count...and if you think I am joking think again

Another OTR is MSE and never actually had the honour of being banned but it is not that common

The final one , I believe is a very exclusive club with only a very few people actually banned and given the banned avatar. This has since been removed and it now says inactive user.

[FlamingParrot]

Re: Lowel account paid

The final one , I believe is a very exclusive club with onlya very few people actually banned and given the banned avatar. This has since been removed and it now says inactive user.

Inactive Account to be accurate. :grin: There are still some out there sporting the lovely avatar. :laugh: :lol:

[jon1965]

Re: Lowel account paid

Very bloody sorry DX smack my bum.

[Trixie Pixie]

Re: Lowel account paid

I have Lowell chasing me for a catalogue debt which is part of the Shop Direct Finance Company. It was with NDR, Hampton's Legal and now with Lowell who have written to me 5 times so far. The second letter from them says that 'It is in our view that the Terms of the Credit Agreement are compliant with the CCA Regulations 2004 it is therefore legally enforceable containing all the required prescribed terms. They are now threatening me with court action. Not sure what to do? Feel I need to write to them before this goes any further.

[wales01man]

Re: Lowel account paid

I have 12 letters from the threat monkeys nearly all threatning court action not happened yet im sure advice would be ignore

[FlamingParrot]

Re: Lowel account paid

I have Lowell chasing me for a catalogue debt which is part of the Shop Direct Finance Company. It was with NDR, Hampton's Legal and now with Lowell who have written to me 5 times so far. The second letter from them says that 'It is in our view that the Terms of the Credit Agreement are compliant with the CCA Regulations 2004 it is therefore legally enforceable containing all the required prescribed terms. They are now threatening me with court action. Not sure what to do? Feel I need to write to them before this goes any further.

Those catalogue accounts are virtually all unenforceable because they didn't ask customers to sign a credit agreement before sending out the goods.

Hamptons Legal are part of the Lowell Group. --> http://www.lowell.co.uk/who-is-hamptons-legal.aspx

Have you ever sent a s.78 CCA request? If not, you should send one to Lowell with a £1 PO. They have 14 days to respond. The account will be unenforceable until they send something compliant, which would be very unlikely in this case.

Dear Sirs,

Account/Ref No:

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

I understand that under the Consumer Credit Act 1974 [sections 77-79], I am entitled to receive a copy of any credit agreement and a statement of account on request.

I enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974, and believe a copy of any credit agreement, along with a statement of account, should be supplied within 12 working days.

I understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I look forward to hearing from you.

Yours faithfully



Your name.

[FlamingParrot]

Re: Lowel account paid

I have 12 letters from the threat monkeys nearly all threatning court action not happened yet im sure advice would be ignore

There are also quite a few threads referring to Statutory Demands issued by Lowell, so it's probably best to respond rather than ignore, unless you want to be made bankrupt. Lowell are often serious and proceed to petition, see below.

[jon1965]

Re: Lowel account paid

When my wife died she had three or 4 accounts with shop direct so I wrote to them asking for proof of indebtedness such as a signed agreement and they closed the accounts. They will almost certainly not have them so as FP says , send off a CCA request.

[Ruby]

Re: Lowel account paid

Just a nosy question:- Can Lowell/a n other company make you backrupt if you do not work and have no assets?

[FlamingParrot]

Re: Lowel account paid

Just a nosy question:- Can Lowell/a n other company make you backrupt if you do not work and have no assets?

Of course they can, although if that was the case, it wouldn't be worth their while.

[jon1965]

Re: Lowel account paid

I wish they would