Contacted by lowell - following a letter from BC solicitors

[strong123]

Good morning all,

After getting some great advice from you all - which is very much appreciated, I now need a little more.

As some of you may already be aware from my previous post, some time ago I received a letter from BC solicitors (sent to my aunts house as I was staying there for a short period) advising me that following some checks they believed that I resided at said address and could I contact them to confirm...blah, blah, data protection, blah, blah.

As there was no details of any said debt etc following the advice of you extremely helpful people, I ignored the letter awaited further correspondence. I have not received another letter from them, YET, however, yesterday I received a call from my aunt letting me know I had received a letter, at which point I asked her to open etc.

So the letter is from Lowell re: Cap1 account for the sum of £556 which I know is SB as I haven't acknowledged, made any payment to since pre 2004. I know that this debt has been with several dca's as I had already sent letters stating this debt was SB and now I'm being chased for it again.

My question is, do I send a SB letter from the off or do I have to go through the 3 letter process?

Also, I understand that once I open this door, it will be like opening the floodgates...to my knowledge Lowell has all of my old debts, one of which concerns me greatly as I am unsure of the status of it. It is for £10k and I believe this may be what BC contacted me about. So you can understand my concern.

I no longer live at my aunts, but I don't want these letters to continue going to her address. So would like to advise them of my current address (easily done with letter)

Your help would be greatly appreciated.

Many thanks

[strong123]

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

If you are convinced this is SBd - and it looks a lot more promising now you've received the statement :thumb: you don't need to do anything for now, there's no need to reply to the statement they've sent you. :grin: :grin:

This is great news! Thank you! :marchmellow:

[FlamingParrot]

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

Thanks FP, yes this is the exact one I wanted to send the sb letter for and then worried after prowling through bank statements that I'd made payments to them in 08 & 09 that it was for the cap1 card.

The amount on the statement is the exact amount as it was in 08 on the hello/goodbye letter in 08. Think the card must have been taken out in 04 as that was when the application search was done on my credit report. If I'm honest I think I defaulted on this within months of taking this out. As that's when all my money problems started...
Thanks FP, I feel more comfortable about this now.

If you are convinced this is SBd - and it looks a lot more promising now you've received the statement :thumb: you don't need to do anything for now, there's no need to reply to the statement they've sent you. :grin: :grin:

[strong123]

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

If the amount is identical, then it looks like no payments would have been made after assignment. When did you last make a payment into this account? Apologies is you mentioned it before, it's a long thread.

Was this the one where you were unsure about sending the SBd letter because you didn't want to open a can of worms with other accounts?


Yes, there is a requirement to send statements of account, not that everyone does it, however, there's nothing to be concerned about, on the contrary, it's proved to be quite useful to you. :thumb:

Thanks FP, yes this is the exact one I wanted to send the sb letter for and then worried after prowling through bank statements that I'd made payments to them in 08 & 09 that it was for the cap1 card.

The amount on the statement is the exact amount as it was in 08 on the hello/goodbye letter in 08. Think the card must have been taken out in 04 as that was when the application search was done on my credit report. If I'm honest I think I defaulted on this within months of taking this out. As that's when all my money problems started...
Thanks FP, I feel more comfortable about this now.

[FlamingParrot]

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

Hey guys, picked up letter from my aunt today and get this, its statement!

An actual statement (which is why my aunt told me it was a bank statement)

But this I think may be good news. The statement is from 12-13 the amount that's stated is owed is exactly the same as when it was "assigned" to lowell in 08.

Now can I assume then that the payments I made in 08 & 09 are not to this account? Afterall, after adding the payments up, they amount £159. Now I know the statement only accounts for one year but if no money has been deducted can I assume I have not paid towards this account and therefore statute barred???

If the amount is identical, then it looks like no payments would have been made after assignment. When did you last make a payment into this account? Apologies is you mentioned it before, it's a long thread.

Was this the one where you were unsure about sending the SBd letter because you didn't want to open a can of worms with other accounts?

I am slightly concerned they've sent this though as I have never ever received one before, anyone else???

It's says on letter the reason they are sending is because it's a requirement of the OFT and some cca section something or other and they are required to send once a year but I've never had one before for any other debt.

Yes, there is a requirement to send statements of account, not that everyone does it, however, there's nothing to be concerned about, on the contrary, it's proved to be quite useful to you. :thumb:

[strong123]

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

Hey guys, picked up letter from my aunt today and get this, its statement!

An actual statement (which is why my aunt told me it was a bank statement)

But this I think may be good news. The statement is from 12-13 the amount that's stated is owed is exactly the same as when it was "assigned" to lowell in 08.

Now can I assume then that the payments I made in 08 & 09 are not to this account? Afterall, after adding the payments up, they amount £159. Now I know the statement only accounts for one year but if no money has been deducted can I assume I have not paid towards this account and therefore statute barred???

I am slightly concerned they've sent this though as I have never ever received one before, anyone else???

It's says on letter the reason they are sending is because it's a requirement of the OFT and some cca section something or other and they are required to send once a year but I've never had one before for any other debt.

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

Somewhere between "tank" and "yank". msl:

[charitynjw]

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

Close ... but I'd use an initial consonant from much further down the alphabet. msl:

Yank? Rank?

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

My poor aunt, she thinks it a bank statement from lowell!!

Close ... but I'd use an initial consonant from much further down the alphabet. msl:

[strong123]

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

But they are collecting for their client - the client of the collection company is another firm in the same rotten group of Lowell Group companies.

But they say they are collection on behalf of crap one....red had it before so if they collecting on behalf of them, then yes your right...I pick up the letter from my aunt tomorrow so I'll see exactly what it says. My poor aunt, she thinks it a bank statement from lowell!! I had to tell her it's a dca. Hahaha...not really laughing matter!

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

Lowell are very clever at making you believe that they are collecting for "client" as opposed to collecting for themselves!

But they are collecting for their client - the client of the collection company is another firm in the same rotten group of Lowell Group companies.

[strong123]

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

Is this the one where they're claiming you made payments in 2008-2009? It doesn't matter when it was first defaulted, if payments were made, it wouldn't be SBd, HOWEVER, if no payments were made, then it would most definitely be SBd!

Yes, you can make a lump sum offer, commonly known as a 'Full & Final', however, making such an offer would constitute acknowledgment of the debt and reset the statute barred clock so I wouldn't suggest thinking about it right now. :clock: :clock: :clock:

Of course if no payments were made from 2005 onwards, the debt would be SBd and nothing could un-bar it, but:
1) You don't know that and
2) If it was SBd, why would you want to make an offer in the first place? :noidea:

Seriously though, stop worrying, send out your SAR/CCA requests, then relax and wait for their responses before doing anything.

...this should do the trick!

Yep, that's what I'm gonna do. Thanks again. X

[FlamingParrot]

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

By the way that card I obtained for crap one was obtained in 04 and if memory serves me correctly probably defaulted the same year!

Btw just out of interest, can you make an offer of a one off payment and how likely are the to accept?

Is this the one where they're claiming you made payments in 2008-2009? It doesn't matter when it was first defaulted, if payments were made, it wouldn't be SBd, HOWEVER, if no payments were made, then it would most definitely be SBd!

Yes, you can make a lump sum offer, commonly known as a 'Full & Final', however, making such an offer would constitute acknowledgment of the debt and reset the statute barred clock so I wouldn't suggest thinking about it right now. :clock: :clock: :clock:

Of course if no payments were made from 2005 onwards, the debt would be SBd and nothing could un-bar it, but:
1) You don't know that and
2) If it was SBd, why would you want to make an offer in the first place? :noidea:

Seriously though, stop worrying, send out your SAR/CCA requests, then relax and wait for their responses before doing anything.

...this should do the trick!

[strong123]

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

By the way that card I obtained for crap one was obtained in 04 and if memory serves me correctly probably defaulted the same year!

Btw just out of interest, can you make an offer of a one off payment and how likely are the to accept?

[strong123]

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

As others have said, it's best to let this old dog sleep.

Although there can be various forms of assignment, in this case, it's the same thing, Lowell are debt purchasers who would have bought it. You may want to look at this thread for reference regarding assignment: http://www.legalbeagles.info/forums/...ebt+assignment

Yes, you are right, I will leave that as you have all said.

I read that link, thank you. Lowell are very clever at making you believe that they are collecting for "client" as opposed to collecting for themselves!

I guess there is no harm sending for an sar, to crap one then at least I can see what's what. If they have anything. And then it's a waiting game...afterall, in most instances they would send a threat of court action etc. The payments to lowell could've been for either o2 or crap 1 or both.