Lowell chasing Lloyds student overdraft

[Kitson]

Hi there,

I'm new to this forum and was hoping someone could help me. Apologies if this is in the wrong place.

i opened a student account at the end of 2007 beginning of 2008.

it had an overdraft of 1000 which I foolishly maxed out during my student days.

Lowell recently sent a letter to my mothers address asking for over 1600.

My mother understandably wants this sorted as it may affect her credit record with letters going to her and not me directly. I am not in a position to pay 1600 outright. And after doing a little bit of research it seems I might not have to pay anything at all - but what is the best way of doing this, and how can I get them to stop writing to my Mother?

help would be greatly appreciated

thanks

[Gorang]

Re: Lowell chasing Lloyds student overdraft

Hi and welcome

Was your mother the guarantor for you when you took out the loan???
When did you make your last payment towards the loan???

[Kitson]

Re: Lowell chasing Lloyds student overdraft

Hi Gordon

Thanks for your reply. No the reason it has gone there was because I put down that address as a previous address when I opened the bank account. It was an overdraft and I have not used that account since 2009.

i have not had any direct contact with Lowell at all and I have not paid back any money into the account since 2009.

Thanks

chris

[CleverClogs]

Re: Lowell chasing Lloyds student overdraft

Lowell recently sent a letter to my mothers address asking for over 1600.

Wasn't that nice of them?

My mother understandably wants this sorted as it may affect her credit record with letters going to her and not me directly.

Irrespective of the building or domicile to which they were sent, were they addressed to her or to you?

Unless there is any reason why she should be involved, such as having agreed to be a guarantor of your overdraft - to pay it back if you defaulted on it - she could (and, in my opinion, should) write back, denying any responsibility in the matter, and telling Bowells to cease and desist from writing to her.

She does not need to tell them anything further - not your name, nor your address, 'phone number, blood group or inside leg measurement.

[Gorang]

Re: Lowell chasing Lloyds student overdraft

Lowell recently sent a letter to my mothers address asking for over 1600.

My mother understandably wants this sorted as it may affect her credit record with letters going to her and not me directly. I am not in a position to pay 1600 outright. And after doing a little bit of research it seems I might not have to pay anything at all - but what is the best way of doing this, and how can I get them to stop writing to my Mother?

So your mother is NOT a guarantor and has NOTHING to do with your account
BUT yet they are writing to your mother NOT you, about your account

Is this correct???

Any idea how they have managed to get your mothers name for your account

Is it an old account that she may have opened for you when you were younger maybe???
ie is there any way at all that your mothers name could be on anything to do with your account, an application maybe??

If your mother has never had anything to do with your bank account then they are in breach of the Data Protection Act I suspect

[Kitson]

Re: Lowell chasing Lloyds student overdraft

Thanks guys.

Sorry - I wasn't clear. They wrote to me, but sent to my mothers address. So her name is not on any paperwork.

So I can write to them from 'her' saying there is no one living there with that name, please do not contact again etc?

Thanks

Chris

[Gorang]

Re: Lowell chasing Lloyds student overdraft

I assume then, the letters are addressed to your name at your mothers address and you do not live with your mother anymore

is that right??

If it is right

I presume that you were registered with them at your mothers address before you moved out, is this correct??

If it is then how long ago did you move out to your current address??
and
Did you change your address with them??
and
How long have they been sending letters to you at your current address??

IF they have been sending letters to your current address and not your mothers for a while then you can do 1 of 2 things

you write to them and say why are you writing to me at my mothers address
or get your mother to write on the envelopes (Not known at this address) then throw it in a post box

[Gorang]

Re: Lowell chasing Lloyds student overdraft

Sorry I just re read your posts and seen this

No the reason it has gone there was because I put down that address as a previous address when I opened the bank account

[Gorang]

Re: Lowell chasing Lloyds student overdraft

I personally would do this (but that's just me)

or get your mother to write on the envelopes (Not known at this address) then throw it in a post box

So time line is

2007 to 2008 you open the account
2009 was the last payment you made to the account
Lowell have bought the account and are now chasing you for the money at your mothers address which is the address you put in the application as your previous address

Is this all correct??

Have Lowell ever contacted you at your own address for the money??

[CleverClogs]

Re: Lowell chasing Lloyds student overdraft

Have Lowell ever contacted you at your own address for the money??

It doesn't seem as if they have.

Perhaps "Chris" was called "Christina" when she lived with his mother? :grin:

[Kitson]

Re: Lowell chasing Lloyds student overdraft

I personally would do this (but that's just me)


So time line is

2007 to 2008 you open the account
2009 was the last payment you made to the account
Lowell have bought the account and are now chasing you for the money at your mothers address which is the address you put in the application as your previous address

Is this all correct??

Have Lowell ever contacted you at your own address for the money??

Correct timeline, yes.

2009 was the last time I ' used ' the student account.

lowell have never contacted me at my address but they do seem to have quite the obsession with my phone number. But I have never spoke to them.

[wales01man]

Re: Lowell chasing Lloyds student overdraft

Is there a chance that Lowell decide to issue a SD here if they believe the debtor is ignoring them and seeing how they like to dish these out it must be a possible later step in the recovery of the debt?

[Amethyst]

Re: Lowell chasing Lloyds student overdraft

Intriged as to what you mean

And after doing a little bit of research it seems I might not have to pay anything at all

Presumably you are thinking of the CCA request - this wouldn't apply as the debt is an overdraft, even if it wasn't it is post 2007, and you would basically be winging it in the hope Lloyds have passed nothing on to Lowell (likely but also as likely Llloyds would produce the relevant documents when asked by Lowells after you get halfway through the court process in the requests for information)

Personally I would rather get it sorted out than leave it with my mum having to lie on letters and risk having her credit rating affected by a financial association with me because my debt was registered at her address. Also, as I assume you are in your early 20's (considering when you had the student loan) you might want to consider your own credit file and get this sorted out before it does further damage possibly stopping you obtaining a mortgage etc in the next six years, and also consider whether your want to go through the hassle and stress of a court claim or stat demand against you.

Lowells are known for issuing Stat Demands and Court Claims, if they think you own the property the debt is registered at then they may well try the stat demand route, which would go to your mothers address and obviously could cause stress and possibly damage relations with your mother.

If you are in a position to come to an installment arrangement or even a full and final settlement then I would get in touch with Lowells. They will have bought the debt from Lloyds and may be willing to accept a full and final at a sensible discount.

That is just my opinion and you have to do what is right for you, but with your eyes wide open to possible effects.

Apologies to others for disagreeing with them.

[wales01man]

Re: Lowell chasing Lloyds student overdraft

Sounds good advice Amethyst after reading so much about lowlifes you have to now think ANYTHING CAN HAPPEN

[CleverClogs]

Re: Lowell chasing Lloyds student overdraft

Lowells are known for issuing Stat Demands and Court Claims, if they think you own the property the debt is registered at then they may well try the stat demand route, which would go to your mother's address

A land registry search would soon shew that he didn't own the property.