dajomel UE Diary

[Deepie]

Re: dajomel UE Diary

Lowell Portfolio previously CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd
21/10/2011: received letter from Lowell Financial saying I haven't been in touch about the debt Lowell Portfolio I Ltd now own.
24/10/2011: sent unenforceable letter to Lowell Financial as suggested.
11/11/2011: received letter from Lowell Financial
09/12/2011: received letter from Lowell Portfolio I
19/12/2011: received letter from Lowell Financial

Hi All,

After waiting, as suggested, I have received a letter from Lowell Financial. The general idea of the letter is to reiterate the fact they have been in touch and "resolved" my query regarding the CCA. In fact, they have not given me a copy and also claim I have not requested it!

Anyway, they are offering me two repayment plans. If I have any queries regarding the initial request or the payment plans then I should CALL them!! Well, there is no chance of me picking up the phone.

So, do I just wait and see what they do next? Request the CCA again? An other option?

Your help and advice is appreciated as always.

Regards

Dave

Just wait and see what they do next......

[dajomel]

Re: dajomel UE Diary

Is the general consensus ignore them until they threaten with something?

[garlok]

Re: dajomel UE Diary

Lowells specialise in buying UE lemons. They ALWAYS say call them they are there to help and all that rubbish. If they start getting heavy then we can respond with something more serious as THEY are now responsible by purchasing your debt for ALL of the liabilities and duties imposed by the CCA and that includes providing you with a complint copy agreement within 12 + 2 days if you ask. At the moment sit tight and see which way they go as I2D has said.

regards
Garlok

[dajomel]

Re: dajomel UE Diary

Lowell Portfolio previously CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd
21/10/2011: received letter from Lowell Financial saying I haven't been in touch about the debt Lowell Portfolio I Ltd now own.
24/10/2011: sent unenforceable letter to Lowell Financial as suggested.
11/11/2011: received letter from Lowell Financial
09/12/2011: received letter from Lowell Portfolio I
19/12/2011: received letter from Lowell Financial
05/01/2012: received letter from Lowell Financial

Hi All,

Guess what!!! That's right, Lowell have been in touch with a half threatening and half considerate letter. It is a longish letter but I will summarise:

We wrote after answering a query and offered you an opportunity to pay monthly. We even gave you alternatives but your account remains unpaid.

As we have answered you query and offered repayment options we assume you are unwilling to pay the debt. We are now going to get your credit file from Experian and us the info to decide what to do. Your credit file highlights blah blah blah and we may also obtain your work details. Dependant on what we see will determine whether we use the Courts or an appointed agent to come to see you face-to-face to discuss repayments.

We really would prefer to avoid further action. If we use the courts, any costs will be added to the debt but we don't want to increase the debt and cause stress etc etc. We urge you to set up a direct debit and start repaying.

OK, that's the general feel for it. The main thing is, they claim CL Finance have no record of my CCA Request and that was all they did/said in answer to my letter regarding a previous CCA request. I have still not had CL Finance or Lowell Financial prove they have the original CCA.

So, as per usual, what would you fine people suggest I do in response to this wonderful literary masterpiece?

Many thanks, in advance, for any help and/or suggestions.

Dave

[Deepie]

Re: dajomel UE Diary

Just ignore for now.......

[dajomel]

Re: dajomel UE Diary

Just ignore for now.......

Really? Wouldn't putting in a CCA Request and them not being able to provide it effectively end it?

Happy to ignore if you think that's the best course of action

[garlok]

Re: dajomel UE Diary

I must admit I stopped Lowells dead in their tracks for the moment by firstly telling they had to contact our solicitors as required under s2.8 c and d of the guidleines otherwise Armageddon would be a comfortable place to be. Then I followed up immediately with a CCA s 78 request and a £1.00 PO. Had a letter saying they were referring back to Barclaycard but suggested we settle this as it would be nice not have to sell it back and all of that drivel.

Well you wanna settle how much are you going to pay me then? barclaycard owe me in six figures. Silence so far!!!

regards
Garlok
Gralok

[pompeyfaith]

Re: dajomel UE Diary

I must admit I stopped Lowells dead in their tracks for the moment by firstly telling they had to contact our solicitors as required under s2.8 c and d of the guidleines otherwise Armageddon would be a comfortable place to be. Then I followed up immediately with a CCA s 78 request and a £1.00 PO. Had a letter saying they were referring back to Barclaycard but suggested we settle this as it would be nice not have to sell it back and all of that drivel.

Well you wanna settle how much are you going to pay me then? barclaycard owe me in six figures. Silence so far!!!

regards
Garlok
Gralok

pompeyfaith searches for his double as it is better having two of them than one lol
double the power that he already gives.

[dajomel]

Re: dajomel UE Diary

I must admit I stopped Lowells dead in their tracks for the moment by firstly telling they had to contact our solicitors as required under s2.8 c and d of the guidleines otherwise Armageddon would be a comfortable place to be. Then I followed up immediately with a CCA s 78 request and a £1.00 PO. Had a letter saying they were referring back to Barclaycard but suggested we settle this as it would be nice not have to sell it back and all of that drivel.

Well you wanna settle how much are you going to pay me then? barclaycard owe me in six figures. Silence so far!!!

regards
Garlok
Gralok

So, would you say it's worth doing the same or just wait and see what Bull they come up with next?

Cheers

Dave

[Never-In-Doubt]

Re: dajomel UE Diary

So, would you say it's worth doing the same or just wait and see what Bull they come up with next?

Cheers

Dave

see what they say next! Not worthy of a postage stamp to be honest!

[garlok]

Re: dajomel UE Diary

pompeyfaith searches for his double as it is better having two of them than one lol
double the power that he already gives.

Told you I am experiencing a lack of control!

regards
Garlok

[garlok]

Re: dajomel UE Diary

So, would you say it's worth doing the same or just wait and see what Bull they come up with next?

Cheers

Dave

No mate do as Niddy says, its just the whole thing pissed me off so much over a total of four years that I decided it was time to have a bit of closely structured fun at THEIR expense this time. They bought lemons well suck on this baby.

Just me being me!!

regards
Garlok

[Never-In-Doubt]

Re: dajomel UE Diary

Told you I am experiencing a lack of control!

regards
Garlok

That'll be the age mate

* Niddy runs......

[dajomel]

Re: dajomel UE Diary

Lowell Portfolio previously CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd
21/10/2011: received letter from Lowell Financial saying I haven't been in touch about the debt Lowell Portfolio I Ltd now own.
24/10/2011: sent unenforceable letter to Lowell Financial as suggested.
11/11/2011: received letter from Lowell Financial
09/12/2011: received letter from Lowell Portfolio I
19/12/2011: received letter from Lowell Financial
05/01/2012: received letter from Lowell Financial
19/01/2012: received letter from Lowell Financial

Hi Folks

It's that time again where I receive a letter threatening with this, that and t'other from a clueless company that don't really appear to know what they are doing. Anyway, the general gist of the letter is as follows:

Your account remains unpaid
We have tried on a number of occasions to help you resolve this debt ... which you appear to have ignored. We informed you we would contact a Credit Reference Agency which we have done and will be assessing the information. We will then send the details on to either an agent for a face-to-face meeting, a Court to proceed with court action or a process server who will serve you with a petition for insolvency.

Your last chance to pay ...
If you want to avoid the above then this is you last chance. If we do not receive payment in full or if you haven't set up a payment plan within 21 days then we will commence with action against you.

Again, we would like to offer you an affordable replayment plan ... blah blah blah Please call us today to help resolve the situation amicably ... blah blah blah

************

That is the general idea. Is it now time to send a CCA request to temporarily halt things or just ignore as usual? As I am living with my partner and pay her rent, I would rather not have people turning up at the door to bug her!!!

Anyway, I appreciate all your advice and look forward to your responses

Dave

[Deepie]

Re: dajomel UE Diary

Account Sold whilst in DisputeThis may be an idea to send....