BW Legal/Lowell threatening to take me to court

[PlanB]

Re: BW Legal/Lowell threatening to take me to court

it quoted the original creditor as one of the 'big four' banks who I didn't think had anything to do with creation in the 90s. In fact the store card was a Duet card when first opened and I really can't remember if creation had anything to do with it.

Oooh that's interesting. What's a "Duet Card"? Never heard of one of them.

I have a good reason for asking

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

Hi there plan B. No it didn't say anything else. Just exactly as I put in my post. Interestingly it quoted the original creditor as one of the 'big four' banks who I didn't think had anything to do with creation in the 90s. In fact the store card was a Duet card when first opened and I really can't remember if creation had anything to do with it. What should I do now do you think? I'm scared they will cobble something together.

[PlanB]

Re: BW Legal/Lowell threatening to take me to court

I have heard back from BW legal. Their letter states

dear madam . . . We will seek to ensure that the information you have requested is provided within 12 working days however this is contingent on receiving the documentation from your original creditor within the aforementioned timescale.

Let me translate that letter for you since lawyers are incapable of speaking plain English. What it really says is: "we don't have your credit agreement, we never had your credit agreement, but that didn't didn't stop us from threatening you with a CCJ, bailiffs and/or a charging order. We doubt our client Lowells has got it, and it's extremely unlikely that the OC has got it either."

Did that letter end with anything to say that the account is now 'on hold' until hell freezes over ?

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

Update: I have heard back from BW legal. Their letter states

dear madam
we write with ref to the above matter and in response to your letter dated xxxx

We confirm we have received your request for documentation under S78 of the consumer credit act 1974. We have referred your request to our client. Our client may have to refer your request to your original creditor xxxxx. Accordingly the documentation will be forwarded to you on receipt.
We will seek to ensure that the information you have requested is provided within 12 working days however this is contingent on receiving the documentation from your original creditor within the aforementioned timescale.

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

Thank you. That has made me feel a lot more positive. I'll be very surprised if they dig up a genuine agreement as the original one was in my maiden name back in the 90s. Signed in a store. And they've written to me in my married name which I started using in the noughties.

[Spud]

Re: BW Legal/Lowell threatening to take me to court

Exellent

As Niddy said, That will buy you some time and depending on the reply may see this dead in the water at the first hurdle

When you get the reply, you will know what you are playing with and we can plan a way forward ect

Try not to worry, These are just template letters and they select the best one for each case so there is no guarantee that they are looking at court action - Just the threats to attempt to make you pay.

Threatening court and getting there are two very different ball games

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

Well I have sent off the letter NID gave me and will update as soon as I hear from BW.

[Never-In-Doubt]

Re: BW Legal/Lowell threatening to take me to court

OMG - how quick was that reply. Thank you soooo much.

I will send the letter off without delay.

send it to BW Legal and leave the £1 PO blank as chances are they'll refer to Lowell's..... Good luck, keep us updated.

Yes that was the correct template, I edited your post as we don't post the full letters on the forum if we can link to it instead.

thanks.

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

OMG - how quick was that reply. Thank you soooo much.

I will send the letter off without delay.

[Never-In-Doubt]

Re: BW Legal/Lowell threatening to take me to court

Hiya

send a CCA request --> http://www.all-about-debt.co.uk/old/...2-cca-requests ASAP.

I've moved the thread for you.....

Sending a a cca request will buy time, and it will not affect SB either.

[Sharmaine62]

AAD forum: apols for posting on the miscellaneous site but nowhere else could i find the 'post new thread' button. Anyway, here we go:
I have an old debt that defaulted in 4 1/2 years ago and have received recently a letter from BW Legal who say they are writing on behalf of Lowell. Letter goes on to say if i don't pay them £......in 14 days their 'client' has instructed them to take legal action and apply for CCJ etc etc. Now, normally i'd ignore a DCA letter with their threats but this looks a little more serious. I looked up BW Legal on the web and they appear to be a legit solicitors. Any idea what to do - i don't think BW/Lowell would be able to produce a signed legal agreement. Anxious not to set the SB clock again as only 18 months to go.
Help please......




Site Team edit:Thread merged with new thread on same topic.