Oakfieldboy Diary

[oakfieldboy]

Lloyds credit card - Lowell and Lowell Solicitors post 19

Hello all I have received a claim form

from Lowell Portfolio 1 Ltd. dated 25/09/19

What do I do now.

[The Tech Clerk]

Diana Mayhew contact her now you have a claim form

emailing me at

di@joannaconnollysolicitors.co.uk

or by telephoning

0330 053 9340.

Our initial advice is always free.

[Joanna Connolly Solicitors]

Lloyds credit card - Lowell and Lowell Solicitors post 19

Hello all I have received a claim form

from Lowell Portfolio 1 Ltd. dated 25/09/19

What do I do now.

Hello

This comes as no surprise.

Email me the front page of the Claim Form.

You've kept a good log of the history on your Diary which will be really helpful >

• Type of account: Credit Card
• Date commenced: October 2003
• Approx balance: £10100.00
• Date last paid Last Full payment in January 2008. Reduced Form February 2008
• Are you on arrangement or not paying: Currently paying £1.00 per month
• Status: Account Defaulted November 2010
• Account owner : Lloyds managed by Robinson Way

CCA request sent.
CCA received from Lloyds will scan to team.

Word back from Niddy is this is UE....

25/03/2018 Payment stopped SO Cancelled
03/04/2018 Letter from Robinson Way Re: payment proposals
01/05/2018

SAR received from Lloyds Bank

16/05/2018 Letter from Robinson Way Re: overdue payment
04/06/2018 Letter from Robinson Way Re:payment proposals

14//06/2018 Letter from Robinson Way: Re: payment proposals
26/07/2018 Letter from Lloyds Bank now assigned to Lowell
26/07/2018 Letter from Lowell Re: Payment
01/08/2018 Letter from Robinson Way:Re Payment
29/01/2019 Letter from Lowell Pre-Legal Assessment
03/03/2019 Letter of Claim from Lowell 30 days to Prevent Legal Action
27/03/2019 Reply form posted to Lowell solicitors today
03/04/2019 Letter from Lowell Solicitors receipt of Pre- Action Protocol
26/04/2019 Letter from Lowell Solicitors Re: copy of agreement
20/05/2019 Niddy said agreement UE

03/07/2019 Letter from Lowell Solicitors receipt of Pre- Action Protocol

02/08/2019 Letter from Lowell Solicitors receipt of Pre- Action Protocol

There's no need to let this spoil your weekend. Niddy has already told you the credit agreement is unenforceable.

Di

[oakfieldboy]

Capital one/Lowell Credit Card -Re Post 17

Letter from Lowell dated 19th June 2020

As the new owner of your Capital One account, Lowell Portfolio 1 Ltd. wrote to you previously. We are now contacting you to agree how you can repay your account.

They have owned the account since 2008.

[Joanna Connolly Solicitors]

• Type of account: Credit Card
• Date commenced: February 2004
• Approx balance: £6700.00
• Date last paid Last Full payment in January 2008. Reduced Form February 2008
• Are you on arrangement or not paying: Currently paying £1.00 per month
• Status: Account Defaulted December 2007
• Account owner : Was Capital One now Lowell

CCA request sent.

CCA received from Lowell will scan to team
Niddy says Credit agreement is enforceable

25/03/2018 Payment stopped SO Cancelled
26/03/2018 SAR sent to the Capital One
19/04/2018 SAR received from Capital One
15/06/2018 Letter from Lowell Re: payment.
16/07/2018 Letter from Lowell Re: payment and Annual Statement.
30/07/2018 Letter from Lowell Re: payment
14/08/2018 Letter from Lowell Re: payment
13/09/2018 Letter from Lowell Re: payment
17/10/2018 Letter from Lowell Re: discount
19/06/2020 Letter from Lowell Re payment

I can see you stopped your £1 token payments in 2018 (i.e. over two years ago).

I can also see that Niddy told you the Capital One credit agreement from 2004 was enforceable.

If both these things are true then I wonder why Lowell haven't issued legal proceedings since they purchased the debt twelve years ago - unless they are aware of Default Notice issues which can be Capital One's Achilles heel . . .

Di

[oakfieldboy]

Letter From Lowell dated 11th May 2023 Re: Capital One account

We have passed your details to our specialist agents, Phillips & Cohen Associates (UK), Ltd. and they will write to you shortly
to help you manage this account.

If you want to speak to them more urgently in the meantime, they can be contacted on 0333 555 1052

[Still Waving]

Letter From Lowell dated 11th May 2023 Re: Capital One account

We have passed your details to our specialist agents, Phillips & Cohen Associates (UK), Ltd. and they will write to you shortly
to help you manage this account.

If you want to speak to them more urgently in the meantime, they can be contacted on 0333 555 1052

Another debt collection agency. File and see what line they take.

[oakfieldboy]

Letter From Phillips & Cohen Associates (UK) LTD dated 16th May 2023 Re: Capital One account.

We are trying to contact you with regards to the above account.

Please call our office on 0333 555 1052 between the hours show below at your earliest convenience so that we may advise further.

A specialised member of staff will be on hand to help you, Our client, Lowell, has instructed Phillips & Cohen Associates (uk) LTD. to deal with the above account.

[Still Waving]

Continue to file and await their next move.

[oakfieldboy]

My son and partner have got into some debt, i want them to start a debt diary but they cannot seem to able to post anything, can anyone help to say where they are going wrong thanks.

[The Tech Clerk]

Tell them to go top left and click on RED FORUMS then scroll down and click on area they need i.e. debt Bank etc the click on new thread and headline it then come we pick it up and give a diary for them to start.

[oakfieldboy]

ok thanks

[The Tech Clerk]

• Type of account -
• Date commenced -
• Approx balance -
• Date last payment -
• Are you on arrangement or not paying -
• Status -

right click and click copy then put on new thread.

[Pat]

Phillips and Cohen used to chase debts of people who have died. When my ex died, I simply told them that after funeral costs there were no funds left. They didn’t even ask for proof. Mind you these were possibly UE catalogue debts way back in 2012.

[Roger]

Phillips and Cohen used to chase debts of people who have died. When my ex died, I simply told them that after funeral costs there were no funds left. They didn’t even ask for proof. Mind you these were possibly UE catalogue debts way back in 2012.

It would be really helpful if you could include this your Diary
For the benefit of AAD members