Bryan Carter, lowell and fredrickson

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

the letters will go buy post first thing and i no there are things in there that are not quite right but i am not a lawer and if it was all spot on with nothing up with them then they could say that i had bean given the letters by a lawer and make it harder for me to defend my self well that was my thought any way but is there any thing i realy should change before sending letters first thing tomorrow

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

i was also thinking that i could still alway say that i didnt beleave that they own the dept as they alway failed to want to set up a payment plan and never come up with any amounts themselfs pushing it i no but i a dysleic 40 year old ex macanic that has had and still has depestion ect from trying to sort this out ( i have even had counsaling)

[FlamingParrot]

Re: Bryan Carter, lowell and fredrickson

the letters will go buy post first thing and i no there are things in there that are not quite right but i am not a lawer and if it was all spot on with nothing up with them then they could say that i had bean given the letters by a lawer and make it harder for me to defend my self well that was my thought any way but is there any thing i realy should change before sending letters first thing tomorrow

You are considered a LIP (Litigant In Person) unless you are officially represented by a lawyer. Bryan Carter won't make any concessions for that reason, you can be sure of that.

i was also thinking that i could still alway say that i didnt beleave that they own the dept as they alway failed to want to set up a payment plan and never come up with any amounts themselfs pushing it i no but i a dysleic 40 year old ex macanic that has had and still has depestion ect from trying to sort this out ( i have even had counsaling)

You should have received a notice of assignment when they bought the debt. If not, that would be a reason to question it, however, that's also covered on the letter you'll be sending. At this stage you are only responding to a letter of claim, asking them to supply documents, something BC never ever seem able to do. If they decided to go ahead and issue proceedings, then their unwillingness to co-operate with you and refusal to set up a payment plan, along with your health issues would be used in your favour. :thumb:

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

yes i no i would not deable to lip my self if it went all the way to court but im hoping i can do enough to stop it at the very first step ie when i first get the court papers and reply

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

yes i no i would not deable to lip my self if it went all the way to court but im hoping i can do enough to stop it at the very first step ie when i first get the court papers and reply

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

hi every one i just thought i would get my credit report from noodle and yes there are three accounts in default on there and lowells is one but i have a small question first the date of default and amount of default is diffrent also a no the account will be in default but each month has a fresh default indication on it is this right and should i work on changing it

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

i was just looking at my money as my car ins is due and if i can get court action stopped and put on holed i could change thing and pay monthy on my car ins for the next year that would give me £200 would it be a idea to offer a full and final pay ment on contion of credit reports marked as such and in retured no partys take any action incudeing me regarding the mater

[FlamingParrot]

Re: Bryan Carter, lowell and fredrickson

The data on your credit file would not influence any court claim they may issue, however, creditors have a duty to report accurately to the CRAs. Is the amount slightly different or substantially different? The original default date is what counts, as the entry will disappear 6 years after that date. Does it correspond with the time when you stopped making your contractual payments or is it much later than that? Defaults should be recorded between 3 and 6 months after your first missed payment. Lowell very often change the date to make it when they bought the account, if this is the case, it's not right and you should get it amended. :grin:

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

it looks like every thing has been changed to the amount and date that they bought it as the letter of default i have is 3 to 4 months before and about £100 more and if i payed some off arfter the default does that mean there then has to be another letter of default. do you think i should look at a full and final offer as i no how thing are it will still be on my record for at least 5 years as it is as it looks like some how £5 was paid off it on 30/12/2013

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

can some one pleas pleas tell me i i can send a cheque for £1 or does it have to be a postal order

[FlamingParrot]

Re: Bryan Carter, lowell and fredrickson

it looks like every thing has been changed to the amount and date that they bought it as the letter of default i have is 3 to 4 months before and about £100 more and if i payed some off arfter the default does that mean there then has to be another letter of default.

There should only be one default notice per account, regardless of whether any payments are made or not after default. 3 or 4 months probably won't make much difference to your credit record over a 6 year period, especially if you have other defaults. I was thinking more in terms of years. It's not uncommon for Lowell to record a fresh default 2 or 3 years after the original one! :mad2:

do you think i should look at a full and final offer as i no how thing are it will still be on my record for at least 5 years as it is as it looks like some how £5 was paid off it on 30/12/2013

It wouldn't make much difference. The default would still show, only it would be marked as 'satisfied' or 'partially satisfied'. It will drop off 6 years after the original default date, regardless of whether you pay anything towards it or not. You only get penalised for not keeping up your repayments for 6 years, regardless of what you do. :grin:

You are probably mistaking the 6 year period for defaults to drop off with the 6 year limitation period for a debt to go statute barred. As long as payments are made, no matter how small, the debt stays 'alive' and doesn't go SBd. If he last payment was in Dec 2013, it won't be SBd till 2020! But the default will still drop 6 years after it was recorded. :thumb:

[FlamingParrot]

Re: Bryan Carter, lowell and fredrickson

can some one pleas pleas tell me i i can send a cheque for £1 or does it have to be a postal order

It can be either.

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

right i have sent letters off and emailed BC the tracking numbers for good messure i was hoping for some sort of reply to my emails even just i thanks we looking in to it but i gess i will have to just wait and see now.
thats BC done for now time to move on to lloyds tsb and cabot financial

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

hi every one i have just got email back not quite what i expected but this is what i got

"Thank you for your email.

In order for us to deal with your query please provide us with further information in order for us to allocate your account details.

Kind regards
Bryan Carter Solicitors LLP"
"
i respoded buy sending the first email with letters in and saying if there is any more information you require please ask and i supply it if i can

[chaz301975]

Re: Bryan Carter, lowell and fredrickson

hi every one even before bc has receved and signed for my posted letter he has sent a reply that i find inresting as he says that the dept relates to argos home retail group account i know it does not as it was with vanquis bank for a credit card

https://onedrive.live.com/redir?resi...nt=photo%2cjpg

is it me but has he just made a big mistake he has also used this to try and squirm out of it as well

"IF this matter was to be litigated it would most properly be allocated to the small claims trank and therefore part 31 of the civil procedure rules and the rules relating to pre action disclosure would not apply"

so does this mean he knows he has no case? of is he realy that at his job