Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» A message from Tom
by daveiron Yesterday at 8:24 pm

» Notice of issue of warrant of control!!!!
by vatanen Yesterday at 12:45 pm

» old site taken down
by handle Yesterday at 12:12 pm

» Courtesy of your caring government
by daveiron Yesterday at 12:07 pm

» Steel
by assassin Yesterday at 4:00 am

» New Po-lice Scam Looming
by assassin Yesterday at 1:52 am

» Cabots/Resolvecall
by Mrblue Thu May 23, 2019 3:58 pm

» Cabot- is there a realistic chance to fight them?
by Jimmyjack Thu May 23, 2019 11:59 am

» GOODF ebook
by Jimmyjack Thu May 23, 2019 11:17 am

» FRAUD!!
by Sharpysparky Thu May 23, 2019 11:13 am

» Common Law Copyright and Trademark Notice
by Jimmyjack Thu May 23, 2019 9:28 am

» Nasty trick to play on courts re speeding and parking
by Ausk Thu May 23, 2019 9:20 am

» The Truth About Money
by daveiron Thu May 23, 2019 8:13 am

» SUBJECT ACESS REQUEST
by Mrblue Thu May 23, 2019 8:12 am

» Even more fun, you decide.
by assassin Thu May 23, 2019 2:33 am

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Wed May 22, 2019 7:44 pm

» Lowels
by Sharpysparky Tue May 21, 2019 5:34 pm

» Police use of 'intrusive' and 'inaccurate' facial recognition tech challenged in UK court
by jss64 Tue May 21, 2019 11:11 am

» AVAL
by LionsShare Tue May 21, 2019 10:42 am

» treason "laws"
by LionsShare Tue May 21, 2019 9:42 am

» the height of cheek
by LionsShare Tue May 21, 2019 9:32 am

» media control
by assassin Tue May 21, 2019 1:57 am

» sol excalibre with cookiemonster
by Society of the Spectacle Mon May 20, 2019 8:00 pm

» Credit Security limited
by assassin Mon May 20, 2019 1:48 am

» The Good Old British Bobby...
by assassin Mon May 20, 2019 1:44 am

» Single Justice Procedure Notice for alleged speeding
by LionsShare Sun May 19, 2019 12:15 pm

» TESCO CREDIT CARD & LOWELLS
by Mrblue Sun May 19, 2019 9:01 am

» Latest Rich Planet vids Richard Hall
by daveiron Sat May 18, 2019 8:36 am

» As if the banks couldn’t be any more fraudulent.
by Mrblue Sat May 18, 2019 6:45 am

» E 171
by Lopsum Fri May 17, 2019 8:09 pm

» yeah! I'm back
by handle Fri May 17, 2019 6:12 pm

» More Chick Wilfong
by midnight Fri May 17, 2019 12:16 pm

» Use Companies House
by assassin Fri May 17, 2019 2:45 am

» Gordon Bowden - Exposing Blair
by assassin Fri May 17, 2019 2:01 am

» Let's Have Some Tunes thread.
by Awoken2 Thu May 16, 2019 11:06 pm

» San Francisco Bans Facial Recognition Technology
by jss64 Thu May 16, 2019 5:03 pm

» Gordon Bowden - Westminster Fraud
by assassin Thu May 16, 2019 6:17 am

» Gordon Bowden - Uncovering Fraud
by assassin Thu May 16, 2019 6:16 am

» Claim Form Southern Water
by LionsShare Wed May 15, 2019 4:11 pm

» Loan & the three letters
by Akira Tue May 14, 2019 3:11 pm

» Questions regarding the use of Promissory notes to clear bank related debt.
by Akira Mon May 13, 2019 9:06 pm

» Not a recognised Debt
by daveiron Mon May 13, 2019 7:29 am

» County Court claim form
by eggnog Sun May 12, 2019 6:58 pm

» Cabot advice
by Mrblue Sun May 12, 2019 9:13 am

» council tax & prison
by assassin Sun May 12, 2019 2:01 am

» Climate change!
by Sharpysparky Sat May 11, 2019 9:23 pm

» Yet some more fun. Two bad apples down, some way to go yet. It's a start
by assassin Sat May 11, 2019 2:30 am

Moon phases


Lowell Letter of Claim

Page 2 of 4 Previous  1, 2, 3, 4  Next

Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Thu Sep 27, 2018 12:20 pm

I sent the CCA request letter. Thanks for quick reply

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Thu Sep 27, 2018 12:41 pm

just a CCA request ?

if so then you need to add to this letter that your require a copy of

any default notice
any notice of assignment
any deed of assignment or sale agreement giving proof that lowell have lawful right title and interest in this alleged account.

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Thu Sep 27, 2018 1:54 pm

It was the template from the letters page

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Thu Sep 27, 2018 3:39 pm

@trimstar wrote:It was the template from the letters page

I am assuming just the official CCA request letter

if so refer to my previous post, request those documents

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Jan 30, 2019 4:33 pm

Just got this today
Lowell Letter of Claim - Page 2 20190110

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Jan 30, 2019 4:33 pm

2nd part
Lowell Letter of Claim - Page 2 20190111

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Jan 30, 2019 4:34 pm

What next? Panicking a bit now that I am finally going to have to give in

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Wed Jan 30, 2019 4:45 pm

1st question i have to ask before giving an opinion further

what documents have they already provide you with ?

agreement?
default notice?
proper statements not that crap above ?
assignment ?

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Jan 30, 2019 5:00 pm

All I have been provided with is this unreadable document which they say is what was sent to them

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Jan 30, 2019 5:01 pm

Lowell Letter of Claim - Page 2 20190113

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Wed Jan 30, 2019 5:06 pm

ok ,

well what you need to do now is fill in the required forms that they have sent ( i think it is just one form which states you dispute the debt and require more information)

and write a separate letter requesting the documents that you are entitled to see:

1) a LEGIBLE copy of any agreement along with the terms and conditions upon inception and any subsequent changes made
2) a copy of any default notice
3) Termination notice
4) notice of assignment
5) deed of assignment
6) Statements showing how the alleged outstanding sum has accrued.
2)

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Wed Jan 30, 2019 5:08 pm

in addition and probably first send a full SAR to the original creditor

depending on when your 30 days are up.

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Jan 30, 2019 5:10 pm

Ok is there a template for the sar? Many thanks appreciate it

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Wed Jan 30, 2019 5:13 pm

@trimstar wrote:Ok is there a template for the sar? Many thanks appreciate it

Sent from Topic'it App

i believe there is somewhere hopefully a moderator will point you in the right direction

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by daveiron on Wed Jan 30, 2019 5:45 pm

This is what I have used without any probs,

This is a Subject Access Data Request.
I now require you to supply any and all data in relation to (name) that you hold .
Please be aware that I require the data to be supplied within the mandatory timescale.


Its as simple as that ,remember to include 'any and all' ,give them no wriggle room.
daveiron
daveiron
Admin
Admin

Posts : 1651
Join date : 2017-01-17

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by sam on Wed Jan 30, 2019 11:24 pm

hi trimstar , if they have not got true copies they cant win in court , dont make them look for true copies ,
1/ they want you to give up
2/ they just hope you will not turn up for court.

one thing the dca will ignore you or give you rubish .the original creditor will just say talk to the dca , no longer to do with them talk to the dca , they sold the debt

sam
Not so newb
Not so newb

Posts : 42
Join date : 2018-07-26

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Jan 30, 2019 11:28 pm

Thanks makes me feel better

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Mar 06, 2019 12:32 pm

Just received a county court claim from Lowell. What now don't want a ccj bit can't afford to pay

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Wed Mar 06, 2019 4:34 pm

hang on a minute ?

did you not respond to the letter before claim as i said ?

fill in the forms and return them, then ask for the documents i listed ?

this should have stopped them issuing a claim until they have complied ?

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Mar 06, 2019 6:00 pm

Yes was sent but the wife didn't send recorded

Pretty annoying

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Wed Mar 06, 2019 8:49 pm

so you have no proof that it was sent ?

not even proof of posting ?

i would still use it in your defence, and when you submit the defence attach a copy of your response along with it.

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Mar 06, 2019 8:50 pm

No proof owe £3960 with court charges would offer them £1000 for this to go away don't need the stress at present

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by waylander62 on Wed Mar 06, 2019 9:02 pm

you need to make a decision of whether or not you wish to defend their claim

it is now with the courts, they should not have issued a claim without responding to your letter.

have you had the results of your SAR yet ?

offering a £1000 may work but unlikely as they have now gone to court and will want the full amount plus costs.

you have a decision to make and fairly quickly because you only have so long to respond to the claim form to avoid default judgment.

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by trimstar on Wed Mar 06, 2019 10:08 pm

Nothing from sar. Can I contact Lowell and make offer or defend? Reading judges are going in favour of Lowell in a few cases

Sent from Topic'it App

trimstar
Not so newb
Not so newb

Posts : 47
Join date : 2017-04-24

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by sam on Wed Mar 06, 2019 10:14 pm

Hi Trimstar,

The thing with SAR, you may find the original lender may send any additional information to Lowell. The burden of proof is on Lowell, by doing the SAR in one way you are forcing them to look for information.

If you have received a claim form, fill it in within 14 days. You can do this online.  

You have still got some options:

1: You can use a unless order to force them to give you information, but unfortunately this costs money.

2: They will need to send you their witness statements, this should include; all the information you requested. Default notice, true copy of the contract.

You can check to see all of the information is correct, but they have a tendency to leave it till the very last minute and one of their tricks is to add fees like the solicitors fees, extra court costs. They do this to scare you.

If they have not got the paperwork, yes there is time for a deal. When it's too late for a deal, is after the CCJ has been issued.

Sorry I cannot help you no more than this, I get too heavily criticised, even though if I am not sure about anything I ask my friend his point of view.

But fill in the form like I said and have a think, one thing I can tell you if they have not got the information for a win in court, they will make a deal if you are strong. But you are now admitting the debt but what you are looking for is do lowell legally own the debt , so fill in the form online within 14 days and take a deep breath which course you want to take.

But remember they might not even have the information to win in court, your choice.

sam
Not so newb
Not so newb

Posts : 42
Join date : 2018-07-26

Back to top Go down

Lowell Letter of Claim - Page 2 Empty Re: Lowell Letter of Claim

Post by Sponsored content


Sponsored content


Back to top Go down

Page 2 of 4 Previous  1, 2, 3, 4  Next

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum