Contacted by lowell - following a letter from BC solicitors

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

Thank god for cel! I just read your post to a thread for the person who was issued a sd that was received 3 weeks after the issue date, isn't that reason enough for oft to sort them out?

It should be but, until/unless the Office of Faffing and Twaddling has been officially notified of this - and it still cannot act on complaints by mere members of the public whom it is supposed to serve - it is "unable" to do anything.

Besides, they'd probably accept the excuse that it was a mere accident, oversight or the result of happenstance, even though Lowlifes do that again and again.

Glossary

Faffing - link - wasting time (and money) on trivial or unimportant matters, at the neglect of what one ought to do
Twaddling - link - talking foolishly, prattling, babbling or raving like a lunatic; from English dialect twattle, first recorded 1782
Happenstance - link - a random event, an unexpected circumstance; from happen + circumstance, c. 1895

[FlamingParrot]

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

Hi, from what I understand and I stand corrected if I'm wrong, it Is meant to be hand delivered. I'm unsure if it can be posted to last known address, I know ccj papers can be issued to last known address.

So does a stat demand have to be:- a) hand delivered directly to the person? or b)just delivered and put through the letterbox? or c) can it be posted to the last known address?

Initially it has to be served in person, but once that has been attempted and failed, substituted service is acceptable: http://www.insolvencydirect.bis.gov....10/part_10.htm

45.94 Service of the statutory demand
The creditor is bound to do all that is reasonable to ensure that the demand is brought to the debtor’s attention, including personally serving the statutory demand on the debtor if practicable [Note 5].

45.95 Substituted service
Where it is not possible to effect prompt personal service, service may be effected by other means such as first class post or insertion through a letter box [Note 6]. For this to be acceptable to the court, the creditor must have taken similar steps to those which would persuade the court to grant an order for substituted service of a petition [Note 7] (see paragraph 45.121). In Re A Debtor [Note 8] it was confirmed by Blackett Ord QC that in some cases it may be appropriate to serve the statutory demand upon the Solicitors of the debtor. The Rules do not allow for service of a statutory demand by electronic means [Note 9].

[jon1965]

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

Google serving statutory demand. They should serve by hand or use a process server. It can be put through the door or send recorded delivery. I think using a last known address makes it easy money for Kate.

[strong123]

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

So does a stat demand have to be:- a) hand delivered directly to the person? or b)just delivered and put through the letterbox? or c) can it be posted to the last known address?

Hi, from what I understand and I stand corrected if I'm wrong, it Is meant to be hand delivered. I'm unsure if it can be posted to last known address, I know ccj papers can be issued to last known address.

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

So does a stat demand have to be:- a) hand delivered directly to the person? or b)just delivered and put through the letterbox? or c) can it be posted to the last known address?

[strong123]

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

Yes you can often set up arrangements when an SD is served.

If they want me to i will pop to Leeds to pick mine up personally and save them the cost.

But the OFT clearly say they should not be used as a debt collection tool. There again they are a bunch of tools.

:tinysmile_twink_t2:
Lets run a DCA tool academy. Shows how i spend my time. Its on E4 for the cultured amongst you

Hahaha I'm in!!

[wales01man]

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

Reading some of the post on here from those who receive a SD its a scare tactic indeed,problem for Lowells is those who come to LB get help from Celestine.
This must be just a small number of debtors or alleged debtors that receive a SD we cannot know how many pay up or come to a payment arrangement before court.
As anyone can read there are some of us on here who would welcome a SD as we have no assets but large debts I for one would welcome bankruptcy although as I can never pay what I owe I don't let it get me down.It would be a miracle if Lowells sent me a SD,good job to Celestine cant fight for everyone but I suspect she would have a good try luckily for some she is hear.

[jon1965]

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

Yes you can often set up arrangements when an SD is served.

If they want me to i will pop to Leeds to pick mine up personally and save them the cost.

But the OFT clearly say they should not be used as a debt collection tool. There again they are a bunch of tools.


Lets run a DCA tool academy. Shows how i spend my time. Its on E4 for the cultured amongst you

[strong123]

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

I understand where your coming from but it doesn't seem to be a scare tactic if they are doing giving little time to defend (probably not right terminology) but just read thread where sd issued 24th September, was received 9th October and cel needs everything by tomorrow. That's intent because if it's a large amount no amount of scaring could get you to pay it in one go.

Or am I missing something? Do they give you the opportunity to set up an arrangement in that time? If they do then I understand the "scare"

Still wrong tho.

[strong123]

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

If issuing a SD costs no more than a letter and a stamp its no wonder Lowlifes dish them out like confetti wpuld be interesting to know how many debts are paid before any further action is taken.
If we are all to be honest we would if we owned a DCA choose the cheapest most effective way to scare people into paying.All the time its legal they will do it.

I understand where your coming from but it doesn't seem to be a scare tactic if they are doing giving little time to defend (probably not right terminology) but just read thread where sd issued 24th September, was received 9th October and cel needs everything by tomorrow. That's intent because if it's a large amount no amount of scaring could get you to pay it in one go.

Or am I missing something? Do they give you the opportunity to set up an arrangement in that time? If they do then I understand the "scare"

[FlamingParrot]

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

How much to deliver a letter by hand £25 ?

I'd say more like £50-£60, although Lowell no doubt get bulk discounts. :lol: :lol: :lol:

[FlamingParrot]

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

Thanks FP, makes sense now, so how are lowlife getting away with it? There seems to be so many sd's issued by them and that's only what we see on here. What does it take? Do people need to report them, are they not doing that?

The should be reported to the OFT, the body responsible for consumer credit licensing. But they seem as useless as the FOS!

These scumbags need to be stopped from doing this. I don't own anything, and I mean literally nothing but my clothes and my son's clothes, everything else belongs to my oh so there would be no point issuing me with owt, but I'd still be terrified if they issued me with one.

Thank god for cel! I just read your post to a thread for the person who was issued a sd that was received 3 weeks after the issue date, isn't that reason enough for oft to sort them out?

You would think so, wouldn't you? That was just ONE example I could find quickly, they make a habit of it, in fact, the person whose friend posted today had one dated 2 weeks early!!!

If issuing a SD costs no more than a letter and a stamp its no wonder Lowlifes dish them out like confetti wpuld be interesting to know how many debts are paid before any further action is taken.
If we are all to be honest we would if we owned a DCA choose the cheapest most effective way to scare people into paying.All the time its legal they will do it.

It shouldn't be legal to date them weeks early, that's cheating, plain and simple!

Also using SDs as a debt collection tool is an abuse of process, they should be going down the CCJ route rather than the insolvency route to recover debts. They issue SDs because they often haven't got the paperwork required in court, so they try to scare people into paying without questioning the paperwork.

Shouldn't SD's be issued by a process server so not that cheap I wouldn't have thought

They usually are, although a few are sent by post, most of Lowells are properly served. But the cost of service is nothing compared to the costs they've often had to pay to Cel & Co.

[strong123]

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

Sorry I was talking about me. I would love to be made BR but alas no one will because they won't get anything

Lol...same boat as me then, as in nothing to give em. Only I wouldn't like it, I'd find it terrifying!

It seems to be a common theme, even with celebs.

[wales01man]

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

How much to deliver a letter by hand £25 ?

[jon1965]

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

If issuing a SD costs no more than a letter and a stamp its no wonder Lowlifes dish them out like confetti wpuld be interesting to know how many debts are paid before any further action is taken.
If we are all to be honest we would if we owned a DCA choose the cheapest most effective way to scare people into paying.All the time its legal they will do it.

Shouldn't SD's be issued by a process server so not that cheap I wouldn't have thought