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Lettr from Lowell Portfolio

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  • Lettr from Lowell Portfolio

    Hi can someone help me??
    I recently recieved a county court letter from northhmpton court regrding a debt with lowell portfolio as the claimaint i wrote bck to both the court and lowell solictor asking the court for more time as i have no acknowledgement of the debt and i wrote to howard & co solicitor asking for detiails of the debt. Today the solicitors wrote back stating that they acknowledge receipt of the undated letter and can confirm that since my account is no longer a running credit account there is no requirement for them to furnish any evidence in regards to the above claim. as the claimaint has sourced the debt shop direct and has made reqests for the debt due and owing. Then they go on and state as county court proceeding have now been issued against me i shouLd respond to the court by 10 august 2013

    what should i do next??

    Thanks
    Tags: None

  • #2
    Re: Lettr from Lowell Portfolio

    Hi Jenjo

    This is a former catalogue account?

    How much is the debt?

    Has a s.78 CCA request ever been sent?

    Did you make the request for 'further evidence' pursuant to CPR 31.14?

    Sorry for all the questions!

    Also, can you tell us the exact wording on their claim form?
    "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

    I am proud to have co-founded LegalBeagles in 2007

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    • #3
      Re: Lettr from Lowell Portfolio

      Originally posted by JENJO View Post
      I recently recieved a county court letter from northhmpton court regrding a debt with lowell portfolio as the claimaint i wrote bck to both the court and lowell solictor asking the court for more time as i have no acknowledgement of the debt and i wrote to howard & co solicitor asking for detiails of the debt. Today the solicitors wrote back stating that they acknowledge receipt of the undated letter and can confirm that since my account is no longer a running credit account there is no requirement for them to furnish any evidence in regards to the above claim. as the claimaint has sourced the debt shop direct and has made reqests for the debt due and owing. Then they go on and state as county court proceeding have now been issued against me i shouLd respond to the court by 10 august 2013

      what should i do next??
      to LB jenjo.

      Wait for Celestine to come along because she has beaten Lowell into a pulp with over 16 cases recently :dance: One was only yesterday with Howard Cohen solicitors as her opponent so her name will be fresh in their mind if she gets involved :fear:

      Can you post up a copy of the Particulars of Claim after removing all your personal details (keep the original untouched though).

      Also post up as much detail as you can about this account such as who was the original creditor (before sold to Lowell), when did you open the account and how (online or application form etc), and how much is the debt?

      Comment


      • #4
        Re: Lettr from Lowell Portfolio

        Originally posted by JENJO View Post
        Today the solicitors wrote back stating that they acknowledge receipt of the undated letter and can confirm that since my account is no longer a running credit account there is no requirement for them to furnish any evidence in regards to the above claim.
        Yeah. Right. They don't have to prove a thing?

        Utter BS!

        You do have to ask in the right way though.

        Comment


        • #5
          Re: Lettr from Lowell Portfolio

          Originally posted by Nibbler View Post
          You do have to ask in the right way though.
          Isn't it just sickening though, that Lowell KNOW damn well the majority DONT KNOW how to ask.

          If they deny your s.78, you can get mostly the same information via CPR 31.14 as they've issued a claim. Though their denial needs investigating also......
          "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

          I am proud to have co-founded LegalBeagles in 2007

          If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

          If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com

          Comment


          • #6
            Re: Lettr from Lowell Portfolio

            Originally posted by Celestine View Post
            Isn't it just sickening though, that Lowell KNOW damn well the majority DONT KNOW how to ask.
            A debt collector taking advantage of people's ignorance of the law and their rights? Whatever next!

            ^^^^ sarcasm there aimed at them, not you. I agree,

            Originally posted by Celestine View Post
            If they deny your s.78, you can get mostly the same information via CPR 31.14 as they've issued a claim. Though their denial needs investigating also......
            It does, depending on how it is worded. If they have quite literally said they they do not have to provide any proof regarding the debt then it is out of order on several levels.

            Comment


            • #7
              Re: Lettr from Lowell Portfolio

              Considering their apparent desire to play at Silly Buggers, one might wonder if the alleged debt is Statute Barred.

              JENJO (sic) - when did you last make a payment or acknowledge the alleged debt in writing?

              Comment


              • #8
                Re: Lettr from Lowell Portfolio

                Hi guys, thanks for the replies, i cant tell you anything about the debt other than in the claim letter from the court they have stated it is for a debt from shop direct and i have supposedly been sent letters about the amount outstanding. as soon as i recieved the letter i wrote to the court asking for more time to defend the claim as i have no idea about the debt and wrote to howard and co asking for information about the debt. i did not send a s.78 CCA request or make the request for 'further evidence' pursuant to CPR 31.14, no idea what they are?

                the wording of the letter is:

                we acknowledge receipt of your undated letter.
                we can confirm that since your account is no longer a running credit ccount thereis no longer a requirement for us to furnish you with any evidence in regads to the above claim.

                the claimaint sufficently partcularised the claim having identified the source of the debt. the claimaint prior to the issue of these proceedings has made a number of requests for the debt due and owing to be satisfied. you have made no attempts to genuinely satisfy the debt or make constructive payment arrangements upon reciept ot previous communications.

                furthermore as you are now aware county court proceedings have now been issued against you and reust that you formally respond to the county court claim form by the close of business 10th august 2013.
                failing to do so will result in default judgement be entered against me

                Comment


                • #9
                  Re: Lettr from Lowell Portfolio

                  Originally posted by JENJO View Post
                  Hi guys, thanks for the replies, i cant tell you anything about the debt other than in the claim letter from the court they have stated it is for a debt from shop direct
                  Have you ever bought any of their overpriced and shoddy tat?

                  Comment


                  • #10
                    Re: Lettr from Lowell Portfolio

                    If the OP has never dealt with shop direct surely that's the defence?,has the OP had an account or not?

                    Comment


                    • #11
                      Re: Lettr from Lowell Portfolio

                      Originally posted by JENJO View Post
                      Hi can someone help me??
                      I recently recieved a county court letter from northhmpton court regrding a debt with lowell portfolio as the claimaint i wrote bck to both the court and lowell solictor asking the court for more time as i have no acknowledgement of the debt and i wrote to howard & co solicitor asking for detiails of the debt. Today the solicitors wrote back stating that they acknowledge receipt of the undated letter and can confirm that since my account is no longer a running credit account there is no requirement for them to furnish any evidence in regards to the above claim. as the claimaint has sourced the debt shop direct and has made reqests for the debt due and owing. Then they go on and state as county court proceeding have now been issued against me i shouLd respond to the court by 10 august 2013



                      what should i do next??

                      Thanks
                      Sounds like Lowell's dirty tricks again. With any luck Celestine will be able to assist you on this one. Lowell will run a mile if you just whisper her name!!!!

                      QCK

                      Comment


                      • #12
                        Re: Lettr from Lowell Portfolio

                        Originally posted by JENJO View Post
                        we can confirm that since your account is no longer a running credit ccount thereis no longer a requirement for us to furnish you with any evidence in regads to the above claim.
                        As has been terminated so CCA request no longer applies maybe?

                        They do have to provide proof, but that will now be under CPR, hopefully with Cel's help, and they will not like that.

                        Comment


                        • #13
                          Re: Lettr from Lowell Portfolio

                          Originally posted by JENJO View Post
                          Hi can someone help me??
                          I recently recieved a county court letter from northhmpton court regrding a debt with lowell portfolio as the claimaint i wrote bck to both the court and lowell solictor asking the court for more time as i have no acknowledgement of the debt and i wrote to howard & co solicitor asking for detiails of the debt. Today the solicitors wrote back stating that they acknowledge receipt of the undated letter and can confirm that since my account is no longer a running credit account there is no requirement for them to furnish any evidence in regards to the above claim. as the claimaint has sourced the debt shop direct and has made reqests for the debt due and owing. Then they go on and state as county court proceeding have now been issued against me i shouLd respond to the court by 10 august 2013

                          what should i do next??

                          Thanks
                          ok firstly have you filed the Acknowledgment of Service confirming you intend to defend all of the claim?

                          If not then you may already be out of time.

                          Secondly can you post a copy of the Claim form up please, remove all personal details (but dont deface the original, make a copy) and then we can see what documents are mentioned in their claim.

                          It may well be that they have mentioned documents and if so, then you can ask for these documents under CPR Rule 31.14.
                          I work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.

                          If you need to contact me please email me on Pt@roachpittis.co.uk .

                          I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

                          You can also follow my blog on consumer credit here.

                          Comment


                          • #14
                            Re: Lettr from Lowell Portfolio

                            hi guys i dont have the ability to post up a copy but i did reply to the court to say i was going to defend the action and i may of had a account but it was two years ago and i never used it , just opened it im just wondering what i should do next??

                            Comment


                            • #15
                              Re: Lettr from Lowell Portfolio

                              btw they have not stated any documents in the claim form just i had a shop direct account and so
                              spent £500 and never replied to letters

                              Comment

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