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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 ?

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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 !!

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