Capital One - Lowells

[marypoppins]

Re: Capital One - Lowells

That's great rockwell, definitely keep it under your hat!

My smilies won't work :-(

[rockwell]

Re: Capital One - Lowells

Good news Mary, well done! My last payment on a Cap One was early December 2009. I can't wait to inform Lowell but I know that Niddy urges caution in cases like this so I'll keep quiet for now.

[marypoppins]

Re: Capital One - Lowells

Whilst I don't like to tempt fate, I've not heard any more from Lowells and it's gone more than a month, which is most unusual so I'm hoping they've given up.

I checked Noddle yesterday and it has now disappeared!

[rockwell]

Re: Capital One - Lowells

It was statute barred on the 10th of August but I'm going to keep it a secret!

For now anyway.

Good to see you're making life difficult for them for a change!

Two days to go in my case and they're still treating me as a newbie!

[The Tech Clerk]

Re: Capital One - Lowells

ask them if they want to buy a debt? they probably jump at the chance knowing these incompetent idiots!

[cymruambyth]

Re: Capital One - Lowells

Hope it gets to 100% soon !!!!!!!!! xx

As it's statute barred, the discount is 100%, whether or not Lowells want to offer it

[nanna58]

Re: Capital One - Lowells

Hope it gets to 100% soon !!!!!!!!! xx

[marypoppins]

Re: Capital One - Lowells

Another 'Pre-Legal Assessment' letter (fourth of the year)!

Discount as now gone up to 40% off

No date to respond by so I'll just file this with all the others.

[marypoppins]

Re: Capital One - Lowells

It was statute barred on the 10th of August but I'm going to keep it a secret!

For now anyway.

[rockwell]

Re: Capital One - Lowells

MaryP, Assume it won't be too long before you drop your statute barred bombshell on them!

[marypoppins]

Re: Capital One - Lowells

They've had this since August last year so they're certainly dragging it out with the threats!

[The Tech Clerk]

Re: Capital One - Lowells

From this information we believe you are working, have other credit products and that using the County Court is a realistic option for us to recover the money you owe.

If any of the above information is incorrect, or you have a reason as to why you think we shouldn’t proceed with legal action you need to call us straight away and let us know why.


Old ploy to get you to ring as say what other products, been used before, usual template begging letter.

[marypoppins]

Re: Capital One - Lowells

9th Nov - Yet another 'Pre-Legal Assessment' letter!

However, it looks as though they've created some new templates because I don't think I've seen this one before.

Dear MP

Your account is escalating

We have written to you a number of times but you still haven’t repaid your debt or entered into a repayment plan. Please contact us as soon as you can as we are still committed to helping you repay this debt.

As you have not paid we have obtained information about you and your current financial circumstances from a credit reference agency to help us determine whether we should take legal action against you.

From this information we believe you are working, have other credit products and that using the County Court is a realistic option for us to recover the money you owe.

If any of the above information is incorrect, or you have a reason as to why you think we shouldn’t proceed with legal action you need to call us straight away and let us know why.

Our objective is to work with you to repay this debt. We genuinely want to avoid taking legal action but we need you to contact us. We are happy to agree with you any amount you can afford to pay by instalments.

Please call or visit www etc to set up a repayment plan, the website is available 24/7

[IF]

Re: Capital One - Lowells

It'll be December before we know it!

[marypoppins]

Re: Capital One - Lowells

Fingers crossed for you too Rockwell.

It'll be December before we know it!