Capital One - Lowells

[CleverClogs (RIP)]

Re: Capital One - Lowells

Accounts escalated to Hamptons Legal are assessed to see if legal action (including court action) to recover the outstanding balance is an appropriate course of action based on the information we have on the account at that point in time.

Failing that, would they then resort to illegal action?

[CleverClogs (RIP)]

Re: Capital One - Lowells

Same route as mine except FOS involved at one stage = useless

What else did you expect from the Fobbing Off Service?

[CleverClogs (RIP)]

Re: Capital One - Lowells

CCA request sent in April 09, received just a generic paper of current T & C's

I have received a letter from Lowell Portfolio today advising that they have purchased the debt from Cap1 and as they are now owners, they are entitled to receive payment of the outstanding balance.

I would in normal circumstances ignore their letter however from previous experience I know that they like to issue statutory demands so it may be a good idea to send a reply so I need a suitable letter from the library.

Any advice appreciated.

I understand that you'd probably prefer not to acknowledge this debt in any way and thus let it become time barred by section 5 of the Limitation Act 1980, but I doubt that such a plan would work now that Bowells own the debt.

However, if the creditor could not satisfy a CCA request five years ago, one might reasonably doubt that Bowells could now comply.

[marypoppins]

Re: Capital One - Lowells

Mine is a bit different, but states that the account has been passed to them, Lowell Financial, the debt recovery department of Lowell Portfolio1 Ltd, the owners of the account.

The rest is the usual crap about helping and being flexible but then the last para refers to action they 'could' take, like court proceedings, bankruptcy depending on what information they discover from Experien, but they would much prefer to set up a payment plan than take such 'drastic' action!

Whilst I would usually ignore these clown, they have in the past issued a SD for another account (my OH's) and Andrew saw them off for us, so I'm wondering whether to send a standard CCA request? Any opinions gratefully received.

I think this will be SB around May next year so obviously want to drag it out a long as possible.

[The Tech Clerk]

Re: Capital One - Lowells

My O.H had a discount offer -- UHHHHHHHHHHhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh1111111 11111111111!!!!!!!!!!!!!!!!!! not me SOB

[Deepie]

Re: Capital One - Lowells

22/08/2014 - Letter from Lowells = we are here to keep you account up to-date. Lowell informed you they have bought the outstanding balance you had with Capital One. You have not yet cleared the outstanding balance, so they have asked us to get in touch.
with a plan
(Lowells own the account ? yet They state Capital One asked us to get in touch)????? we can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What to do now:- Pay us in full:
Talk to us about an affordable repayment plan, based on your circumstances..

Phone us.

Yep ....I got the same one too.....

[The Tech Clerk]

Re: Capital One - Lowells

deleted

[The Tech Clerk]

Re: Capital One - Lowells

22/08/2014 - Letter from Lowells = we are here to keep you account up to-date. Lowell informed you they have bought the outstanding balance you had with Capital One. You have not yet cleared the outstanding balance, so they have asked us to get in touch.
with a plan
(Lowells own the account ? yet They state Capital One asked us to get in touch)????? we can help you clear this outstanding balance and repaying your debt may help to improve your credit rating.

What to do now:- Pay us in full:
Talk to us about an affordable repayment plan, based on your circumstances..

Phone us.

[marypoppins]

Re: Capital One - Lowells

Very interesting!

I had a message left on my landline yesterday from Hamptons, urging me to contact them!

Don't think I'll bother.

[SaltnVinegar]

Re: Capital One - Lowells

Just to let you know had a Text from ......Hamptons Legal to contact them ......will just wait to see if they write to me .

You'd have thought that Lowells would have learned from recent press coverage regards companies using 'trading styles' purporting to be solicitors or legal firms..........

[Deepie]

Re: Capital One - Lowells

---------> THE TECH CLERKS - CAPITAL ONE = LOWELLS NOW



Lowell must have bought a batch of theses Capital One accounts .............I received one yesterday as well..

Just to let you know had a Text from ......Hamptons Legal to contact them ......will just wait to see if they write to me .



Hamptons is a trading style and internal pre legal collections department within Lowell Financial Ltd.

If a customer has received a letter from Hamptons Legal, the situation regarding the account has become more serious, usually because we have not had any engagement with our customer or there has not been an affordable payment plan agreed and maintained with us to repay the account. Accounts escalated to Hamptons Legal are assessed to see if legal action (including court action) to recover the outstanding balance is an appropriate course of action based on the information we have on the account at that point in time.



Here ---------> https://www.lowell.co.uk/who-is-hamptons-legal.aspx

[The Tech Clerk]

Re: Capital One - Lowells

A peep on another forum reports@:-

Ah, two hours after I send Evolution an email, they reply; stating the following:

Good afternoon,

Thank you for your email below.

Call credit, the credit reference agency, has reported your outstanding debts incorrectly as being with Evolution Banking. They have advised that the debts are in relation to a company called Lowell.

If you have any further queries in relation to this you should contact either Call Credit or Lowell. You will be able to find their contact details on their websites.

Kind regards.

Carol


Carol Richardson
Head of Conduct & Risk

Evolution Money Limited cid:image001.gif@01CEE9D7.701C33E0 cid:image002.gif@01CEE9D7.701C33E0 cid:image003.gif@01CEE9D7.701C33E0
Bauhaus | 27 Quay Street | Rosetti Place | Manchester | M3 3GY
Tel: +44(0) 161 814 9993 | Fax: +44(0) 871 978 7556

[marypoppins]

Re: Capital One - Lowells

Has any of your capital one/Lowell accounts now show as Evolution Bank Limited on CRA


Evolution Banking Ltd, 8 St John Street, Manchester, M3 4DU

Not my Cap1 account but another has TC

http://forums.all-about-debt.co.uk/s...ricksons/page5

[The Tech Clerk]

Re: Capital One - Lowells

Has any of your capital one/Lowell accounts now show as Evolution Bank Limited on CRA


Evolution Banking Ltd, 8 St John Street, Manchester, M3 4DU

[marypoppins]

Re: Capital One - Lowells

You're very welcome to stay around oldyboy!