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Moon phases

Lowell Solictors

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Lowell Solictors

Post by Geech on Wed May 23, 2018 4:06 pm


I had gone through the 3 letter and then estoppel notice with Lowell over a credit card (circa £3,000)

They have continued to write to me. However, I recently received a letter from Lowell Solicitors asking for me to contact them. I replied with the copies of the 3 letter and notice of estoppel.

Today, I have received the following email from them, and attached was a photocopied agreement

We are instructed on behalf of Lowell Portfolio I Ltd to recover the outstanding balance due on an account you opened with [name bank] on [date]. The balance in question is now legally payable to our client. Please find attached a copy of the credit agreement as requested.

For your information, we confirm that since the original creditor assigned only its benefit and not its burden under its agreement with you, there was no requirement for your consent, no novation took place and therefore no novation agreement exists or was required. We would add that our client would not at any time be under any obligation to disclose the Deed of Assignment to you. This is a private record of a contract between our client and the original creditor, the terms of which are commercially sensitive and confidential. No part of its content could in any case provide, support or assist in any Defence you may wish to raise, and you have neither need nor right to be privy to that content.

Our client is also under no obligation to provide you with sworn affidavit or a signed bill. The bills of exchange Act 1882 to which you refer to deals by definition under Section 3(1) as follows-

“A bill of exchange is an unconditional order in writing, addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person, or bearer”.

Please contact us with a suitable repayment plan within 14 days from the date of this email, and confirm your preferred method of payment and date.

You can now register online at to view your transaction history, use our helpful Budget Calculator and make payments including setting up a Direct Debit.

If you do not contact us to reach a suitable resolution or set up a payment plan, a Claim may be issued in the County Court incurring costs. If you do not respond to the Claim we may apply to enter a County Court Judgment (CCJ) against you, which could impact any future credit applications, mortgages or even some employment while it remains unsatisfied on your credit file.

How do I respond?



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Re: Lowell Solictors

Post by Geech on Fri May 25, 2018 6:21 pm

I have I have come home today to find a letter from Lowell solicitors stating that it’s their intention to issue proceedings against me in a county court.

The letter has been sent to me in accordance with the practice direction on Pre-Action Consuct and Protocols


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