Contacted by lowell - following a letter from BC solicitors

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Sorry, just to confirm the notice of warrant of execution for the sum of £152.25 was the sum I had to pay to prevent action not the total amount. Which is huge.

What's your definition of 'huge'? :noidea:

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Hi all I'm back again with an update and I'm really worried now.

So, after doing some digging around I found some paper work, I'm going to work from the most worrying one and largest amount first.

I came across an old equufax report which shows a ccj issued in 2002.

I then found a notice of warrant of execution from northampton court (no date on it) to pay sum of £152.25. The claimant, equidebt.

I then found a letter from eci debt collectors, client equidebt sent in April 08. This debt now belongs to lowell.

My question with regard to this can I contact the court to find out if this ccj is now in lowells name?

Although CCJs don't go SBd as such, they do drop off the record after 6 years. If the CCJ/warrant of execution hasn't been enforced in all these years, they would have to go back to the court to be able to enforce it, and would have to explain why it's been allowed to go on for so long. I doubt it would be worth doing giving the amount above. :nono:

http://www.nationaldebtline.co.uk/en...limitation_act

County court judgments
Once a creditor has a county court judgment (CCJ) for a debt, the Limitation Act does not put any time limits on how long they have to enforce that judgment.
Advice
If your CCJ is more than 6 years old, and the creditor wants to use bailiffs or High Court Enforcement Officers, they must first get permission from the court.

In short, there's no reason to worry! :thumb:

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Why?


OK...


If that's the most worrying, then you're worrying needlessly.

At £152.25, it's far too little for Lowlife to even try to make you bankrupt - the threshold is £750.

With 11 years having elapsed between the CCJ and now, they would probably find it difficult to persuade any court to issue another warrant of execution and, despite the name of that procedure, they're not really allowed to execute anyone.


I believe it would be a waste of time, as the CCJ will have "fallen off" the Register in 2008.


So what?

It doesn't matter when Lowlife bought those alleged debts. What does matter was when they were originally incurred - that is, when you ceased to pay anything or even to acknowledge them in writing.

I take it that you've not read my comment in "invisible ink"? :grin:

Oh cc, even now you make me laugh, and put things into perspective for me. I suffer really bad anxiety and my mind goes 10 to the dozen!

I have seen your invisible writing and written back in invisible ink!

So I'm guessing it's still the waiting game??

Re: Contacted by lowell - following a letter from BC solicitors

Sorry, just to confirm the notice of warrant of execution for the sum of £152.25 was the sum I had to pay to prevent action not the total amount. Which is huge.

Doesn't much matter, as it would still be difficult to collect after this time.

Re: Contacted by lowell - following a letter from BC solicitors

Hi all I'm back again with an update and I'm really worried now.

Why?

So, after doing some digging around I found some paper work, I'm going to work from the most worrying one and largest amount first.

OK...

I came across an old Equifax report which shows a ccj issued in 2002.
I then found a notice of warrant of execution from Northampton court (no date on it) to pay sum of £152.25. The claimant, Equidebt.
I then found a letter from eci debt collectors, client Equidebt sent in April 08. This debt now belongs to Lowell.

If that's the most worrying, then you're worrying needlessly.

At £152.25, it's far too little for Lowlife to even try to make you bankrupt - the threshold is £750.

With 11 years having elapsed between the CCJ and now, they would probably find it difficult to persuade any court to issue another warrant of execution and, despite the name of that procedure, they're not really allowed to execute anyone.

My question with regard to this can I contact the court to find out if this ccj is now in lowells name?

I believe it would be a waste of time, as the CCJ will have "fallen off" the Register in 2008.

With regard to crap 1, I found a letter of assignment sent in 2008 and then a letter from lowell same date, (this is the one they wrote to my aunts address about) I have also found a letter from lowell sent in 08 for o2.

So what?

It doesn't matter when Lowlife bought those alleged debts. What does matter was when they were originally incurred - that is, when you ceased to pay anything or even to acknowledge them in writing.

I take it that you've not read my comment in "invisible ink"? :grin:

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Sorry, just to confirm the notice of warrant of execution for the sum of £152.25 was the sum I had to pay to prevent action not the total amount. Which is huge.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

Hi all I'm back again with an update and I'm really worried now.

So, after doing some digging around I found some paper work, I'm going to work from the most worrying one and largest amount first.

I came across an old equufax report which shows a ccj issued in 2002.

I then found a notice of warrant of execution from northampton court (no date on it) to pay sum of £152.25. The claimant, equidebt.

I then found a letter from eci debt collectors, client equidebt sent in April 08. This debt now belongs to lowell.

My question with regard to this can I contact the court to find out if this ccj is now in lowells name?

With regard to crap 1, I found a letter of assignment sent in 2008 and then a letter from lowell same date, (this is the one they wrote to my aunts address about)

I have also found a letter from lowell sent in 08 for o2.

I believe that these minimal payments for £10 and. Then the one for £11.50 are the payment on my bank account. I firmly stand by the fact I spoke to nobody in 08 to confirm deny etc.

Please can you advise. This s**t just got serious!

Re: Contacted by lowell - following a letter from BC solicitors

This debt is the one I posted about that I believed bc wrote to me about, without actually mentioning it, asking me to confirm my address details.
I was hoping I could get ahead of lowell. Although the last letter I received from them they said Woolwich was "their client"

That alone suggests the debt is statute barred, as Woolwich plc was bought by Barclays Bank in 2000 (link) and all accounts were moved to Barclays by June 2007.

In other words, "their client" had utterly ceased to exist (other than as a brand name) over six years ago!

It's been my dirty secret for years, my other half only found out about it within the last couple of months.

Now there's only your other "dirty secret"?

... that you fake orgasm! msl:

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

I think this idea I had is going to be of little help to me. What I really wanted to find out was who originally had the debt. I think it was marlin, it's my biggest debt and my only concern, all others are small fry.
This debt is the one I posted about that I believed bc wrote to me about, without actually mentioning it, asking me to confirm my address details.
I was hoping I could get ahead of lowell. Although the last letter I received from them they said whoolwhich was "their client"
I'm gonna see what I can dig up....I don't know what I think I can dig up, I chuck everything! Lol

Flaming parrot, thank you. I know I've droned on and on and on......and on about this, I've even bored myself to tears! Lol

It's so good to be able to talk about this, its been my dirty secret for years, my other half only found out about it within the last couple of months. (I wasn't with him when I got into this mess)

I can't thank you enough, everyone here is so helpful and understanding.

No doubt I'll be posting again!

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Bonus!

I don't have any details, reference numbers etc to give them. The account was opened so long ago and closed in 2001 (well I say closed, I just stopped banking with them) I'm guessing my name and address when I had the account will be ok?

In all honesty, if ALL your accounts were 'closed' that long ago, they may not have any records. If I remember correctly, companies are required to keep records for 12 years.

To be honest I'm kind of hoping they don't have anything relating to me....I'm guessing that would be the best scenario, no details, no debt...or does it not work like that?

Even if they had your details, the debts would be SBd if there was a clear 6 year period without payments or acknowledgment.

Knowing my luck, they'd have my account details framed with debt dodger written in big bold red letters written across it.

msl: msl: msl:

Would they notify dca I've contacted them?

Why would they? If they've sold the debt, they'd have written it off as a tax loss and would have no interest in it.

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

I agree! The banks make money out of thin air, they don't really lend you their own money, all they do is place an entry on a database.

You are supposed to get statements which should show any payments made as well as other documents relevant to your account, can't tell you exactly what you may get but certainly statements.

You write back to them, although I'd give them a little more than 40 days. Santander replied to me in less than 40 days but only supplied me with 6 months worth of statements and asked for a further £10 to supply any more. A strong letter outlining their obligations followed by an email did the trick and they even paid me £50 in compensation. :bounce: :bounce:

Bonus!

I don't have any details, reference numbers etc to give them. The account was opened so long ago and closed in 2001 (well I say closed, I just stopped banking with them) I'm guessing my name and address when I had the account will be ok?

To be honest I'm kind of hoping they don't have anything relating to me....I'm guessing that would be the best scenario, no details, no debt...or does it not work like that?

Knowing my luck, they'd have my account details framed with debt dodger written in big bold red letters written across it.

Would they notify dca I've contacted them?

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Aww, thank you, thank you. I didn't think they existed anymore.

Do you know, when I read some of the things that people are going through what with SD and eviction threats etc. It sickens me, especially when you know that the bank's etc already get their money back and some! People don't get into debt on purpose and these dca are just evil, especially when you find out what they pay for a debt! Someone really ought to make it against the law.

I agree! The banks make money out of thin air, they don't really lend you their own money, all they do is place an entry on a database.

Erm, you know when I get this info from them, what am I meant to do with it? Is it to find out when my last payment was to them? Will it tell me who they originally sold it too?

You are supposed to get statements which should show any payments made as well as other documents relevant to your account, can't tell you exactly what you may get but certainly statements.

What happens if they don't supply within 40 days?

You write back to them, although I'd give them a little more than 40 days. Santander replied to me in less than 40 days but only supplied me with 6 months worth of statements and asked for a further £10 to supply any more. A strong letter outlining their obligations followed by an email did the trick and they even paid me £50 in compensation. :bounce: :bounce:

[strong123]

Re: Contacted by lowell - following a letter from BC solicitors

There is a website for reference if you want to find out more: http://www.ico.org.uk/upload/documen...ml/access.html

They have their own SAR template letters on there but they are fairly generic, the one above is specifically tailored for this type of request to financial institutions.

The Woolwich Head Office:
The Woolwich,
Watling Street,
Bexleyheath,
Kent
DA6 7RR

It happens to the best of all, trust me on that one! :grin: You may think you owe a lot but there are some on here who owe a whooping £150k, puts things into perspective, doesn't it? :wof:

Aww, thank you, thank you. I didn't think they existed anymore.

Do you know, when I read some of the things that people are going through what with SD and eviction threats etc. It sickens me, especially when you know that the bank's etc already get their money back and some! People don't get into debt on purpose and these dca are just evil, especially when you find out what they pay for a debt! Someone really ought to make it against the law.

Erm, you know when I get this info from them, what am I meant to do with it? Is it to find out when my last payment was to them? Will it tell me who they originally sold it too?

What happens if they don't supply within 40 days?

Sorry for all the questions.

[jon1965]

Re: Contacted by lowell - following a letter from BC solicitors

Forget sildenafil citrate - .. - think two lollipop sticks and a rubber band. msl:

Very good at keeping your cut flowers strong and upright so im told.
My GP recommends buying in India. He tells me its much cheaper. Just casual conversation you understand.

[FlamingParrot]

Re: Contacted by lowell - following a letter from BC solicitors

Thanks so much for this...I actually thought it was some sort of website, duh!

There is a website for reference if you want to find out more: http://www.ico.org.uk/upload/documen...ml/access.html

They have their own SAR template letters on there but they are fairly generic, the one above is specifically tailored for this type of request to financial institutions.

Ok so one is whoolwhich, who would I contact about that??

The Woolwich Head Office:
The Woolwich,
Watling Street,
Bexleyheath,
Kent
DA6 7RR

Do you know if I had half the brain when I was 26 as I do now I would never have got into this mess.

It happens to the best of all, trust me on that one! :grin: You may think you owe a lot but there are some on here who owe a whooping £150k, puts things into perspective, doesn't it? :wof: