Morgan Stanley Barclaycard sold to Lowell

[vint1954]

Re: Morgan Stanley Barclaycard sold to Lowell

Hi PI, thank you, I value your comments and advice. I had considered sending the "sold in dispute" letter but may hit them full on with a CPUTR letter instead.

Rockwell.

I would do both, but don't hang around.

Vint

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

Thanks Vint, will do.

[Never-In-Doubt]

Re: Morgan Stanley Barclaycard sold to Lowell

I'd probably send this ---> Our Templates | Unenforceability Templates | Threat by Creditor - Threat-o-Gram Letter Before Action

I reiterate I would be sending the quoted template above ^^^

At this stage a sold in dispute and/or a CPUTR is NOT best practice and doing so is not something I suggest.

Just my tuppence worth

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

I reiterate I would be sending the quoted template above ^^^

At this stage a sold in dispute and/or a CPUTR is NOT best practice and doing so is not something I suggest.

Just my tuppence worth

Thanks Niddy, my confusion re letters arose from the fact I'm almost 3 years down the road to being statute barred and I was reluctant to acknowledge the debt. I have not responded to any of the DCA's so far but the situation is different now as Lowell have purchased the a/c.

As the CCA Barclaycard sent Jan 2010 is unenforceable I suppose SB is irrelevant (although I'm aware they could produce a compliant copy at any time....but why haven't they?)

Your suggested letter above will be on its way today as my opening salvo! lets see what they come back with!

A big thank you for all the help so far.

[Never-In-Doubt]

Re: Morgan Stanley Barclaycard sold to Lowell

Thanks Niddy, my confusion re letters arose from the fact I'm almost 3 years down the road to being statute barred and I was reluctant to acknowledge the debt. I have not responded to any of the DCA's so far but the situation is different now as Lowell have purchased the a/c.

As the CCA Barclaycard sent Jan 2010 is unenforceable I suppose SB is irrelevant (although I'm aware they could produce a compliant copy at any time....but why haven't they?)

Your suggested letter above will be on its way today as my opening salvo! lets see what they come back with!

A big thank you for all the help so far.

Hiya

If you have never heard from Lowells and this is the first contact then usually we'd suggest a prove it template but due to the serious nature, you need to get it sent back to the OC and the legal threat template does that job perfectly.

If you do not edit the templates; they are written using wording that 100% does not constitute acknowledgement so you're not affecting SB by using OUR templates. Others you may do but not ours.....

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

Thanks for confirming that Niddy, letter already winging its way to Lowell!

[thechippy]

Re: Morgan Stanley Barclaycard sold to Lowell

Hmm,

Your front page is pretty much the same as mine, but the rear totally different. All the interest rates are different as well and both agreements 2004?

I wonder how many different agreements msdw have for the same year...???

[Never-In-Doubt]

Re: Morgan Stanley Barclaycard sold to Lowell

I wonder how many different agreements msdw have for the same year...???

3 because they had 3 different products released in 2004!

Never compare as NO two accounts are EVER the same, never - it's impossible for that to occur.

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

3 because they had 3 different products released in 2004!

Never compare as NO two accounts are EVER the same, never - it's impossible for that to occur.

Niddy, comment noted and thanks, just goes to show, a little information can be dangerous!

[jon1965]

Re: Morgan Stanley Barclaycard sold to Lowell

Which is so true as Niddy has had to beat me several times for getting it wrong

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

Hiya

If you have never heard from Lowells and this is the first contact then usually we'd suggest a prove it template but due to the serious nature, you need to get it sent back to the OC and the legal threat template does that job perfectly.

If you do not edit the templates; they are written using wording that 100% does not constitute acknowledgement so you're not affecting SB by using OUR templates. Others you may do but not ours.....

Lowell recently bought the debt from BC, I received an assignment letter from Lowell a few weeks ago on dodgy BC headed paper.

[Never-In-Doubt]

Re: Morgan Stanley Barclaycard sold to Lowell

Lowell recently bought the debt from BC, I received an assignment letter from Lowell a few weeks ago on dodgy BC headed paper.

Yea but lowell are spineless, see what happens you'll be ok.

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

I reiterate I would be sending the quoted template above ^^^

At this stage a sold in dispute and/or a CPUTR is NOT best practice and doing so is not something I suggest.

Just my tuppence worth

Legal threat template sent to Lowell as suggested. Only response so far was a letter from Red saying they were passing account to Hamptons, a couple of letters received from Hamptons Legal (is the word legal in their title supposed to scare me? idiots!) full of nonsense including court action, bailiffs, etc.etc.
So no acknowledgement or response to my letter...they may have problems finding a dictionary!

[MrsD]

Re: Morgan Stanley Barclaycard sold to Lowell

Hi Rockwell

so are you saying that this has been passed to someone else?

I would never ignore anything that is sent, to keep them at bay and on their toes you need to respond fairly regularly in the beginning.

so since you sent off the letter Niddy recommended to Westcot what has happened, what have you received and from whom?

[rockwell]

Re: Morgan Stanley Barclaycard sold to Lowell

Thanks for looking in.
It seems to be passed around in the Lowell office. Letters so far from Lowell Portfolio, Lowell Financial, Red Collections and the latest from Hamptons Legal (all the same group of companies) Hamptons letter is full of bluster...we may apply for a CCJ etc, etc. Hamptons Legal do not appear to exist! they are not a law practice and not a company registered at companies house, probably just a threat desk at Lowell using different headed paper.
Their letter may have crossed with my legal threat template so perhaps I'll give them a bit more time to respond.