Transformer999-V-Vanquis

[helmsman]

Re: Transformer999-V-Vanquis

Looks there's a sale on at Red's as they have written saying there is a discount on my balance.

Dear T999,

We have still not been able to arrange a repayment plan since we wrote to you about your unpaid balance.

We now have a copy of your credit file and we have assessed the best way to recover the money you owe Lowell Portfolio I Ltd. We will now be passing your account on to Hamptons legal, our legal division, with our recommendations unless we hear from you.

You can stop this happening. We are willing to offer you a discount on your balance. If you take us up on either of these offers, you can avoid the more serious action Hamptons legal may take to recover the money.

Pay us 70% of your balance, which is £474.36, as full payment, or pay £60 a month by direct debit until you clear your balance.

You must call us in the next 10 days to accept one of our offers


Now should I accept of these offers or should I be shitting myself? not sure of I should reply or ignore? any help on this Niddy...I mean its not a bad bargain hey?

If you decide on the latter safeways oops Morrisons have a good offer 9 rolls of andrex for the price of 6.

[transformer999]

Re: Transformer999-V-Vanquis

Looks there's a sale on at Red's as they have written saying there is a discount on my balance.

Dear T999,

We have still not been able to arrange a repayment plan since we wrote to you about your unpaid balance.

We now have a copy of your credit file and we have assessed the best way to recover the money you owe Lowell Portfolio I Ltd. We will now be passing your account on to Hamptons legal, our legal division, with our recommendations unless we hear from you.

You can stop this happening. We are willing to offer you a discount on your balance. If you take us up on either of these offers, you can avoid the more serious action Hamptons legal may take to recover the money.

Pay us 70% of your balance, which is £474.36, as full payment, or pay £60 a month by direct debit until you clear your balance.

You must call us in the next 10 days to accept one of our offers


Now should I accept of these offers or should I be shitting myself? not sure of I should reply or ignore? any help on this Niddy...I mean its not a bad bargain hey?

[transformer999]

Re: Transformer999-V-Vanquis

Lowell and Red are one and the same. ---> Lowell Group - Who Is Lowell Group

Looks like Lowell were serious about passing my account to Red......AGAIN!!!!!!!! so that is twice they have passed it to them

[transformer999]

Re: Transformer999-V-Vanquis

Had a bit of a clear out today and look what I have found!!!!

A letter from Red dated 18 April 2012 advising that Lowell have passed my account to them....where as the last letter I received from Lowells dated 21 June 2012 advises me that if I do not make contact with them they will pass my account to Red?

Now I know I got a lot on my mind with other big fish to fry.....but surely this is weird...I mean Lowell have already passed the account to Red.....and that means they are lying?

Is their any chance that Lowells can be accused of lying or misleading the borrower about the debt?

Lowells last letter for some reason I cannot upload...but reads

"This is that last time we (Lowell Financial) will write to you before passing your account to Red Debt Collection Services. Your outstanding balance is not going to go away."

Maybe I should reply with...this is the first and last time I am going to say go fuck yourselves you lying pieces of scum......

and the balance will go away...all they need to do is go into their system..bring my account up...and where it says £677.66 owed...just edit and write £00.00 owed.....simples

[transformer999]

Re: Transformer999-V-Vanquis

shitting and pissing at the same time Niddy...shitting and pissing.....oh what a nasty thought yukhhhhhhhhhhhhhh

[Never-In-Doubt]

Re: Transformer999-V-Vanquis

and I bet you're just shitting it that they're passing it to colleagues that sit further down the office

[transformer999]

Re: Transformer999-V-Vanquis

Another letter from Lowells saying that this is their last one they are going to send me and will transfer to Red.

[transformer999]

Re: Transformer999-V-Vanquis

This is the latest letter I have received from Lowells...threatening they will pass on my account to Red...I am getting regular letters from Lowells which I am just ignoring and filing...but was thinking should I reply...and if so what do I say...or just continue to file & ignore?

any help will be appreciated....

[Never-In-Doubt]

Re: Transformer999-V-Vanquis

Yes I was abused over there, and not nice abuse either

Is there such a thing as 'nice abuse'?

Did a weird old man ask you to come and play with his puppies....

Or not that kind of abuse

[jon1965]

Re: Transformer999-V-Vanquis

Oh Flower, you have never lived.
But no it was real abuse not just banter

[jon1965]

Re: Transformer999-V-Vanquis

Yes I was abused over there, and not nice abuse either

[ScabHunter]

Re: Transformer999-V-Vanquis

We are the new generation MoneySavingExperts

but thankfully without the moronic and abusive posters who are the sole reason why I never opened an account at Martin's Spongiform Encephalopathy site nor ever made a single post there.

I like it much better here.

SH

[transformer999]

Re: Transformer999-V-Vanquis

Thanks guy.....Mmmmm money saving tips....love it xxxxxxxx

[Never-In-Doubt]

Re: Transformer999-V-Vanquis

always worth getting a bigger PSU from the old one you had and also check the fans that vent it as they could need replacing (£2 odd)......

[jon1965]

Re: Transformer999-V-Vanquis

Might be shut tomorrow as it's a BH as well