Oakfieldboy Diary

[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]

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]

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

[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.

[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.

[oakfieldboy]

Hi Warwick65

Yes Niddy deemed the agreement UE and I have spoken to Di and have taken note of Di comments in post 116.

[Warwick65]

Hi
I know Di has been helping you on this and it seems Niddy deemed the agreement UE- is that correct?

I would take note of Di's comments in post 116 - no need to help them. Personally I would have thought, 3 letters of claim was an abuse of process

[The Tech Clerk]

await the N1 claim form and then contact Di as this is showing as over £10000

[oakfieldboy]

Lloyds credit card - Lowell and Lowell Solicitors post 19

Third Letter of claim now received -30 day to prevent legal action.
Pre Action Protocol Reply Form Reissue

Letter dated 2nd Aug 2019 received from Lowell solicitors stating letter of claim - 30 days to prevent legal action.

We act for Lowell portfolio 1 Ltd and we are instructed to recover your debt of £10900.00.

What do I need to do now.

You have 30 days from the date of this letter to either make a one off payment of £10900.00 or agree a payment plan or respond to this letter as set out in the following enclosed documents.

Information sheet.

Financial statement.

Reply form.

[Joanna Connolly Solicitors]

Hi Diana thanks for getting back to me, Lowell have sent me the first page of the agreement with my signature on it no other pages of terms and conditions. No I did not ask Lowell for a copy of the default notice and it is a screen copy of a computer log and I can't see anything about a default notice on it. The SAR from Lloyds did not contain a default notice

Good

Don't ask Lowells now for a copy of the Default Notice since they appear to be intent on issuing a claim (you've received a second Letter of Claim) .

The important thing is to not to help them.

Di

[Joanna Connolly Solicitors]

That rather sounds like a letter before action following the PAP . Give Di a call tomorrow morning to discuss.,

or email me using di@joannaconnollysolicitors.co.uk in case my line is busy - I do tend to talk a lot

Di

[Joanna Connolly Solicitors]

Lloyds credit card - Lowell and Lowell Solicitors post 19

Another Letter of claim -30 day to prevent legal action.

Letter dated 3rd July 2019 received from Lowell solicitors stating letter of claim - 30 days to prevent legal action.

We act for Lowell portfolio 1 Ltd and we are instructed to recover your debt of £10900.00.

What do I need to do now.

You have 30 days from the date of this letter to either make a one off payment of £10900.00 or agree a payment plan or respond to this letter as set out in the following enclosed documents.

Information sheet.

Financial statement.

Reply form.

Hello

I can see that Lowell Solicitors have served you with a second Letter of Claim.

I'll take a peek at the history of this debt but at a glance I can see the credit agreement was deemed unenforceable by Niddy.

Di

[Joanna Connolly Solicitors]

still no PAP (letter before action) from their hounds, so if/when they do let us know & Di

The OP has posted that they have received a Letter of Claim

Lloyds credit card - Lowell and Lowell Solicitors post 19

Another Letter of claim -30 day to prevent legal action.

Di

[Warwick65]

If you can’t call Di in the morning email her ASAP. From everything you said this is a letter before claim and a claim will almost certainly land on your doorstep.

I know Niddy said it was UE due to missing terms but you need proper legal advice just in case

[Warwick65]

That rather sounds like a letter before action following the PAP . Give Di a call tomorrow morning to discuss.,