commit2change UE diary

[Joanna Connolly Solicitors]

I've also made a thread in the legal claim portal will all the information - should I tag Diana into that?

I've posted on your other thread

Hello

Don't do or tick anything online until we've been in touch.

Email me a copy of the claim form front page only (N1) using di@joannaconnollysolicitors.co.uk

You may have been told the credit agreement is enforceable but it appears that was in response to your s77-79 CCA Request sent to the Halifax in 2014 which doesn't necessarily mean that Lowells will have access to the same information now.

Lowells will also have to prove that they (and Halifax) have complied with all their other statutory duties too.

We'll see.

Don't let this spoil your weekend.

Di

[The Tech Clerk]

she will be along soon

[The Tech Clerk]

you have 28 days to get defence in the later the better that gives them no time to trash your defence with theirs, just tick defend all

[commit2change]

acknowledge on line @ MCOL defend all tick the form ,

Diana Mayhew

Thanks

I'll do that now - what do I enter as a defence?

I've also made a thread in the legal claim portal will all the information - should I tag Diana into that?

[The Tech Clerk]

acknowledge on line @ MCOL defend all tick the form ,

Diana Mayhew

[commit2change]

Well I sent lowell a couple of letters and they have sent me a claim form from the Northampton courts :-(

I knew this would happen once they found my new address and realised I bought a house.

What do I do now - letter is dated 17th July 2018.

[commit2change]

Hi

Sorry its the halifax CC debt

[Joanna Connolly Solicitors]

So I did it - I bought a house!!! I love it and couldn't be happier

So of course Lowell instantally popped up with a threatogram - to my old address - but I suspect they know I've move and bought one as my mortgage is showing on my credit records now.

It states it's from Lowell solicitors, called a letter of claim and includes an info sheet, reply form and financial stmt form. They write to inform me that they intend to issue proceedings against me in the county court. the letter is sent out in accordance with practice directives, on pre action conduct it states that if they don't receive payment or a response in 30 days they apply to court without further reference to myself

Which letter should I send them please? Is it the new LBA response 2016, standard threat-o-gram or litigation forthcoming.

Good news about the house purchase

Not so good news about Lowell Solicitors' Letter Before Claim, but you have 30 days to deal with it.

Which debt is this for?

Di

[commit2change]

Afternoon guys

So I did it - I bought a house!!! I love it and couldn't be happier

So of course Lowell instantally popped up with a threatogram - to my old address - but I suspect they know I've move and bought one as my mortgage is showing on my credit records now.

It states it's from Lowell solicitors, called a letter of claim and includes an info sheet, reply form and financial stmt form. They write to inform me that they intend to issue proceedings against me in the county court. the letter is sent out in accordance with practice directives, on pre action conduct it states that if they don't receive payment or a response in 30 days they apply to court without further reference to myself

Which letter should I send them please? Is it the new LBA response 2016, standard threat-o-gram or litigation forthcoming.

Thanks muchly

[Roger]

Hi Guys

What should I reply to this letter from Lowell for my Halifax CC debt, this is in response to the New LBA 2016 letter:


Paraphrased:

We have sent you agreement on 2 june 2016 and stmt of accounts sent7 oct 2016 -if you want us to send these again please let us know

Unable to supply deed of assignment as this was purchased as a bulk purpose and will contain personal data of other customers

We purchased rights on Nov 2015, notice of assignment sent onc22 Dec 2015 - under section 136 of law property act 1925 this serves as evidence we can collect this debt

Do not have to prove a default notice as I should have had one from original creditor.

Please respond with intentions towards this account.


If need I can type up what the letter said in full.

So they have sent NOTHING and just given their opinion. File this away without replying.

[commit2change]

Hi Guys

What should I reply to this letter from Lowell for my Halifax CC debt, this is in response to the New LBA 2016 letter:


Paraphrased:

We have sent you agreement on 2 june 2016 and stmt of accounts sent7 oct 2016 -if you want us to send these again please let us know

Unable to supply deed of assignment as this was purchased as a bulk purpose and will contain personal data of other customers

We purchased rights on Nov 2015, notice of assignment sent onc22 Dec 2015 - under section 136 of law property act 1925 this serves as evidence we can collect this debt

Do not have to prove a default notice as I should have had one from original creditor.

Please respond with intentions towards this account.


If need I can type up what the letter said in full.

[stuckinarut]

Re: commit2change UE diary

Received two replies from Lowell re my halifax debts

CC: we have sent you what you need and are obliged too - and will wait 30 days fro a response from me - will do more on this later because:


Loan: After reviewing your account we are prepared to take a commercial view in relation to this matter and as a gesture of good will and strictly without any admission of liability are prepared to discontinue this matter against you. balance £0 on the letter.

I'm in shock - SHOCK!

I'm dancing around the room

I'm sure they could still sell it on but I'll take this for now!!!!!

THANK YOU EVERYONE xxx

Fantastic result

[Joanna Connolly Solicitors]

Re: commit2change UE diary

Received two replies from Lowell re my halifax debts

Loan: After reviewing your account we are prepared to take a commercial view in relation to this matter and as a gesture of good will and strictly without any admission of liability are prepared to discontinue this matter against you. balance £0 on the letter.

I'm in shock - SHOCK!

I'm dancing around the room

I'm sure they could still sell it on but I'll take this for now!!!!!

THANK YOU EVERYONE xxx

What brilliant news!

Great start to the weekend


Especially since it's £7k and believed to have been enforceable >

Halifax
Loan debt
Opened Jan 2009 - this one could be an issue.
Balance £8000
Last full payment July 2011
On DMP last payment Jan 14
In default date: 7/11
Blair, Oliver and Scott are the people I talk to / send payments to.
LoweII own debt 24/11/15. Ref: **9 £6907.93


18/1/14 sent CCA request to Blair with PO. Missed last post so will get sent Monday 20/1, 2nd class recorded. signed for 21/1
20/1/14 letter received please call us to talk about your account asap - odd as my DMP is actually still up to date. - ignore for now
3/2/14 received photocopy of T&C signed - sent to Niddy but suspect enforceable - but always thought this one might be.
12/2/14 Yep as I thought it is enforceable - will send off missing PT letter and see what happens - may try for a F&F maybe.
12/2/14 Sent off missing PT letter to Blair. didn't enclose copy of T&C as blagging.
24/4/14 moorcroft please contact us
8/5/14 Moorcroft - installment offer £120/month
23/5/14 Sent missing PT letter to Moorcroft - stalling
29/5/14 Moorcroft -we are looking into this matter and will not try to collect until it is resolved.
30/5/14 Hallifax statment - including note about missed payments
2/1/15 Halifax - sold debt to LoweII Portfolio, new ref: 279
03/07/15 Moorcroft monthly instalment offer
28/01/16 Lowell - new owners please contact us
16/02/16 Lowell - repayment options letter
15/03/16 Lowell - account overdue please contact us
29/03/16 Lowell - pre-legal assessment letter
10/04/16 Me - Account sold in dispute
11/04/16 Lowell - Pre legal assessment letter
22/04/16 Lowell - we have requested documents
02/06/16 Lowell - waiting on documents
12/10/16 Lowell - received documents will send separately
12/10/16 Lowell - copy of Halifax agreement
10/11/16 haven't heard back after recent docs -please contact.
25/11/16 Lowell please contact us
01/12/16 Sent letter - did not comply with CCA missing prescribed terms
26/01/17 - Lowell we have fulfilled request for docs please contact us
27/01/17 Lowell please contact us
13/02/17 Haven't hear back please contact us - Lowell
13/05/17 Pre legal assessment letter
16/05/17 LBA2016 letter sent as per advice


30/05/17 THEY HAVE CANCELLED MY DEBT!!! I'm in shock - total shock.

Di

[commit2change]

Re: commit2change UE diary

Received two replies from Lowell re my halifax debts

CC: we have sent you what you need and are obliged too - and will wait 30 days fro a response from me - will do more on this later because:


Loan: After reviewing your account we are prepared to take a commercial view in relation to this matter and as a gesture of good will and strictly without any admission of liability are prepared to discontinue this matter against you. balance £0 on the letter.

I'm in shock - SHOCK!

I'm dancing around the room

I'm sure they could still sell it on but I'll take this for now!!!!!

THANK YOU EVERYONE xxx

[commit2change]

Re: commit2change UE diary

Buying a house sounds like a great idea. I would hold back until November, just to give a cushion. I'm not sure how much impact one default would have on a mortgage application or the rate offered. How long has the Link one got on your file? You would definitely get a flurry of letters, but you can get more help in fighting them.

Thanks :-)

I have 3 years left on the link default - it was on placed June 14.