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Moon phases


Lowell threatening me Again !!

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Lowell threatening me Again !!

Post by barnwebb on Sun Jan 21, 2018 12:18 pm

Hi folks,

A bit of background first as I can’t find the original thread from the previous goodf site.

Lowell have been hounding me since April 2015 and they decided that my “dispute” was a “complaint” and even sent me photocopies of the credit agreement plus terms and conditions etc back in July 2015.

I told them that it was all unenforceable and told them to Cease and Desist. They ignored that of course.

I ignored any further correspondence from them including when they sent the copy credit agreement etc to me again in January 2016.

After a years worth of their junk mail, in December 2016 I got a “Pre-Legal Assessment” letter. It was a few days before Christmas so I put it to one side and promptly forgot about it ………… nothing happened !

2017 came along and I continued to receive the usual junk from them, which I ignored, and they changed tactic in September by passing over to a company called Lucas Credit Services. Their letters I also ignored.

January 2018 and Lowell have sent me another “Pre-Legal Assessment” letter although this one is a bit more sinister as they say, ‘We are now deciding whether to transfer your account to our solicitors to take legal action against you to recover this debt’, ‘What does legal action mean’, etc, etc.

Obviously I would like some advice from you great people at goodf on how to deal with this letter but also …….. and this is an important bit, ….…. I’ve been told that in the last half of 2017 (August I think) the law changed in favour of us victims in that a debt collector has to have a lot more (?) in their case before going to court. Now I don’t know anything about this and was wondering if any of you good folks know what has changed and how it might help me with this current problem ?

barnwebb
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Re: Lowell threatening me Again !!

Post by barnwebb on Sun Jan 21, 2018 8:18 pm

Hi there warwick65.

It's a credit card below £10,000.

Yes, I imagine that issuing a claim is what is on their mind.

What actually changed with the pre action protocols as I will probably wind up sending a LBA as the letter this time is much more direct unlike the vague rubbish one previously.

I think it is true that the LBA just gives them ammunition to toddle off and gather what they need but not being able to afford a shit hot solicitor I don't have many options available.

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Re: Lowell threatening me Again !!

Post by barnwebb on Mon Jan 22, 2018 11:29 am

So basically it's business as usual as they can just not comply with anything if they don't want to or can't be bothered in the first place. And as the financial "authorities" aren't independent, they just agree with everything even if it's a blatant criminal scam to extort money from the vulnerable.

'Excellent solicitors may not be as far out of your reach as you may think, well one in particular who really is the bees knees'

Hmm, I'm intrigued, who might they be ?

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Re: Lowell threatening me Again !!

Post by barnwebb on Sat Feb 24, 2018 10:48 pm

Here's a quick update.

I chose to ignore their “Pre-Legal Assessment” letter.

Today I received a letter offering me a 60% discount so clearly they aren't planning on doing much else, at least for the time being.

I wonder whether I have a legitimate harassment claim as they have sent me endless junk mail for nearly three years with two threats of litigation which they haven't followed through.

Thoughts anyone ?

barnwebb
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Re: Lowell threatening me Again !!

Post by barnwebb on Wed May 23, 2018 2:29 pm

Hi guys.

Well, here we go; I’ve just received a letter from Lowell saying my ‘account’ has been sent to Lowell Solicitors Limited. Apparently photocopy signed by someone called Craig White.

Conveniently in the same envelope is a letter from Lowell Solicitors with the heading ‘Notice of Acting’, a term I’ve not seen or heard of before, telling me I must contact them to ‘discuss or make arrangements to pay’. Photocopy signed by no-one, just Lowell Solicitors

I don’t think so !

The only communication from me was in 2015 as I pointed out at the beginning of this thread when I sent a Cease and Desist Order which they decided was just a complaint to which I replied ordering them to immediately stop their illegal activities. My last letter to them in 2015 was pointing out that I hadn’t made a complaint but a valid dispute; they of course ignored that too.

What, if anything, would you guys suggest as the best course of action in dealing with this latest aggravation ?

barnwebb
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Re: Lowell threatening me Again !!

Post by daveiron on Wed May 23, 2018 2:51 pm

Hi barnwebb,

If it were me ,I would take a look at the 3 new letters for purchasers ,and respond along the lines of:

Since my previous correspondence with you and having done much research I now require the following documentation from you . then list all on there & anything else you can think of .Insist throughout on ALL thats requested.

daveiron
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Re: Lowell threatening me Again !!

Post by 1saberwow on Wed May 23, 2018 4:19 pm

Hi. When you sent lowell your dispute letter years ago did they point out why they thought you only had a complaint. Did they list things that showed you how they came to their decision.

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Re: Lowell threatening me Again !!

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