Lowell chasing Lloyds student overdraft

[wales01man]

Re: Lowell chasing Lloyds student overdraft

They might not care about that a SD issued would I would think put the wind up most people and get the worry nerves working overtime

[CleverClogs]

Re: Lowell chasing Lloyds student overdraft

Even Bowells must understand that, without adequate assets for the Receiver to grab, there is bugger all sense in issuing a Statutory Demand.

[CleverClogs]

Re: Lowell chasing Lloyds student overdraft

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

Not quite.
Bowells are not generally noted for threatening debtors that they'll soon be sleeping with the fishes.

[MissFM]

Re: Lowell chasing Lloyds student overdraft

Not quite.
Bowells are not generally noted for threatening debtors that they'll soon be sleeping with the fishes.

Perhaps not sleeping with them...

[Gorang]

Re: Lowell chasing Lloyds student overdraft

Apologies to others for disagreeing with them.

No disagreements from me BUT one thing has crossed my mind from what others have said

Account was opened late 07 to early 08
last payment made in 2009
also
that OP ONLY put mums address as a pervious address so means ALL letters statements etc. from OC (original Creditor) has went to the correct CURRENT address

so WHY would lowells send threatening letters to only the previous address when that will/should only be on the bottom of the application to open the bank account, when the OP's current address will be on the top of ALL the paperwork/computer data

I am basing this on that Lowell has actually looked at the app (or computer data) to get the previous address (which I can't see them doing
UNLESS
as CC said, mum has similar name ie Chris and Christina, and lowell has done a CRA check and came up with the WRONG person at the WRONG address

and before they are finding addresses from CRA's instead of paperwork or computer data, I am wondering if it could be Statute barred

I am also wondering if it would be worth sending a SAR to see what it turns up, could be interesting reading maybe


Chris
Did you definitely pay money into the account in 09???

Also do you and your mum have similar names that could be confused as CC mentioned???

[CleverClogs]

Re: Lowell chasing Lloyds student overdraft

Actually, I was wondering if Christina had undergone reassignment surgery. :santa_wink:

The previous address would be where Chris had lived before college; his (then) current address would have been where he stayed whilst at college and, as he presumably lives there no longer, all mail addressed to him will have been returned, marked "gone away".

[Inca]

Re: Lowell chasing Lloyds student overdraft

I totally agree with Ame,,,I'd kick my sons arse (if I could raise my leg that high) if I had debt letters from student loans landing on my doorstep and I'd make him set up a payment arrangement. The ramifications should you choose to lie or pretend they won't pursue this could be wide and varied not only towards you but your Mum as well.
Being young and foolish is no excuse to rack up debts then forget about them
Sounds harsh OP,,,but you spent the money,,now you have to pay it back

[enaid]

Re: Lowell chasing Lloyds student overdraft

Looks to me like Lowells may have discovered the OP was in student digs and due to the time scale and as the OP would no longer reside there, may just have gone back to mums. Or hoping that mum would give his present address.

[wales01man]

Re: Lowell chasing Lloyds student overdraft

Again I agree with Inca.

Does the OP want mum to get a succession of letters from the DCA and all the worry that goes with it or will they make contact to sort it?

Some of us thick skinned ones can happily ignore the threats but even I would have not let my mum have the worry of my debts if she was alive she would kick my arse

[enaid]

Re: Lowell chasing Lloyds student overdraft

Well they are not writing to his mum, they are writing to the lad at his last known address and his mum should not be opening his mail.

[wales01man]

Re: Lowell chasing Lloyds student overdraft

HE should be man enough to change the address if he had an education as it seems its the obvious thing to do.
Are you trying to put a blame on her?Maybe its not the only letter from a debt collector

[enaid]

Re: Lowell chasing Lloyds student overdraft

Am I trying to put a blame on her?
If that was addressed to me then no I am not, these days unless you are financially associated with someone in some way then your credit score will not be affected simply because you live at the same address. The OP stated that was his worry for his mum, the only way he can resolve this is to give his correct address as you said. Or if he still insists his mail goes to his mums then just ask her to pass it on to him.

[wales01man]

Re: Lowell chasing Lloyds student overdraft

Mail going to mums? is he hiding from something?
You don't need to open mail to know where it comes from the return address on the back if Googled will tell you who it comes from if Mum is getting loads of letters from debt collectors she may worry.
Any mail we get addressed to A N other I check the return address you will be surprised how many ketters we have received from DCAs for people who never lived here if its a DCA its binned im not putting myself out going to a post box

[Gorang]

Re: Lowell chasing Lloyds student overdraft

Hi Gordon

Thanks for your reply. [COLOR="#800080"]No the reason it has gone there was because I put down that address as a previous address when I opened the bank account.[/COLOR] 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

Kitson when you opened this account can you confirm
were you staying at your current address??
or
have you changed addresses since opening the account??
If you have changed address since the account was opened, DID you inform them or the original creditor of your new address

I ask as I am trying to get a clearer picture of WHY Lowell is sending mail to a previous address that you only put on the application for opening the account

I am starting to wonder if the account could be close to, or is, statute barred (even though you say you haven't used the account since 2009) and Lowell could be trying a cheap trick, (this is ONLY my own suspicions) by sending mail to a previous address (even though that address may never have been used for the account) hoping that you DON'T get it, in order that they can file a claim in the hopes they get a judgement by default or for them to start a statutory demand process (as wales01man suggested earlier in the thread) and so they can say well we did send you mail but you ignored it, BUT this depend on your answers above

If I am right with what I think above then I suspect that you would get either a summons a SD or a letter you have a CCJ, posted to the CORRECT address for you as there are many threads here, that the first the OP hears about any debt from Lowells, is when they receive a summons, SD or letter saying they have a CCJ against them



As for your mothers credit rating being affect by this

A quick check of her credit files with the credit reference agencies (CRA's) will reveal if this has happened or not,

Upon checking her credit files
IF they HAVE associated her with you or your accounts then ONE letter from her to the CRA's will fix this, (providing the 2 of you don't have any joint accounts together)

All the letter needs to say is her name and address and a short statement asking the CRA's to disassociate her with you
The CRA's will then send her a letter back confirming they have disassociated her with you
After the conformation letter comes back then your mums credit rating will NOT be affected by your accounts in any way

I had to do that a few years ago as they associated me with my mum and dad and my ex wife



As for stopping the mail from going to your mums address

YOU would need to send a letter to Lowell (which I think would be the best idea just in case they are about to try and file a court case or obtain a statutory demand against you) advising them of your address and also advising them to stop sending mail to your mums address, which will show them you do get the mail from your mum
OR
your mum would need to send the letters back unopened with something written on them stating you no longer live at that address, but this will NOT deal with the matter

[Inca]

Re: Lowell chasing Lloyds student overdraft

Do you live in England or Scotland?