Re: Lowell : Letter of Claim received

by **Mrblue2015** Mon Feb 24, 2020 2:26 pm

Hi,

Not sure why you are unable to upload the letter - perhaps Lopsum (one of the admins) can help. BUT, before you do, mask your personal details in account numbers and references, plus dates, and sums! And any bar codes which, for example, may appear ANYWHERE on the letters.

Also (in relation to your last message and any previous ones) I urge you not to refer to dates, sums, personal details etc otherwise they could uniquely pin point you if, say, Lowells are 'trolling' this site...

by Hellsbells6721 Mon Feb 24, 2020 3:10 pm

Success at last ! 🤪

by **Mrblue2015** Mon Feb 24, 2020 3:21 pm

did you see my message today at 2:26 pm??? Suggest you read it and act on it asap!

by Hellsbells6721 Mon Feb 24, 2020 3:54 pm

Gosh, I sent the wrong ones! How do I delete these???

by **daveiron** Mon Feb 24, 2020 4:06 pm

Its OK I have just deleted them for you.

by Hellsbells6721 Mon Feb 24, 2020 4:10 pm

OMG thanks so much. I sent the wrong pictures !!! I'll try again once I've got over the shock !

Thanks again

by **Mrblue2015** Mon Feb 24, 2020 5:36 pm

An improvement but not good enough haha - as I said, remove the dates and sums and bar codes (your letter includes QR codes...)

by **Mrblue2015** Mon Feb 24, 2020 5:38 pm

Always ask yourself “what on the letter is most likely to be unique to ME?”

Then you’ll have no problem knowing what to mask Smile

by Hellsbells6721 Mon Feb 24, 2020 8:42 pm

Thanks Mrblue. I thought I’d covered all the dates but didn’t realise the bar code was also important. Sorry.
Can you give me some advice on what to do next.

Thanks
Hellsbells6721

by **daveiron** Mon Feb 24, 2020 8:46 pm

Let me know if you want me to delete again so you can have another go ?
Dont forget your email also shows on letter one.

by Hellsbells6721 Mon Feb 24, 2020 8:52 pm

Yes please Daveiron, I am grateful. I’ll try again tomorrow. I’m just getting home from work so excuse the delay in replying.

by **daveiron** Mon Feb 24, 2020 8:58 pm

No problem .

by Hellsbells6721 Mon Feb 24, 2020 9:30 pm

Hi Daveiron, I’m about to upload pics again. I think I’ve covered everything but I can’t see me email anywhere?

Hellsbells6721

by **daveiron** Mon Feb 24, 2020 10:12 pm

It was showing above letter one, maybe it was on a piece of paper
below.

by Hellsbells6721 Tue Feb 25, 2020 8:26 am

by Hellsbells6721 Tue Feb 25, 2020 8:31 am

by Hellsbells6721 Tue Feb 25, 2020 8:36 am

Hope the above letter is legible. Please could you advise me on how to respond. It took this letter 6 days to arrive from the date on it.

Many thanks

Hellsbells

by **Mrblue2015** Tue Feb 25, 2020 9:17 am

Hi,

Acknowledge their letter and simply proceed with letter 2 for DCAs (you hasn’t sent that yet?)

Also let us know once you receive the SAR results (don’t rush to upload anything...)

by Hellsbells6721 Tue Feb 25, 2020 9:26 am

I have sent letters one and 2, letter 3 is going today. Should I use the newer letter continue with the original ones. Also, should I respond separately to this last letter ?

I have also sent a SAR to the OC. should I inform Lowell about this?

Regards

Hellsbells6721

by Hellsbells6721 Tue Feb 25, 2020 10:13 am

Hi,
Letter 3 is actually due to go on 27th. Should I send it today , anyway ?

Thanks

Hellsbells6721

by **Mrblue2015** Tue Feb 25, 2020 10:24 am

Send letter 3 on the 27th and no, you must not tell Lowell about the SAR to the OC.

by Hellsbells6721 Tue Feb 25, 2020 10:32 am

Last time i received such a letter was from Cabot back in 2016. I used the cease and desist template at the time. I'm a bit concerned because the letter from Lowell, above, arrived a week after the date on the letter (which I feel was intentional). As time is going on I'm worried they will proceed with further action !

Regsrds

Hellsbells6721

by Libelresponse Tue Feb 25, 2020 10:45 am

A bit of misrepresentation in fact a down right lie by Lowells in that response letter, regards the DOA, no wonder no body will put their name to it, No problem the Directors or Partners of Lowell can be sued, notwithstanding an apology letter and £150 for your trouble, and where is the default notice ?

A DOV is not always necessary. depends on the type of arrangment the creditor has in place with their client, possibly an equitable assignment but could not be sure, I wont say much more as you need to be able to read between the lines with what they are telling you in their correspondence, if you do not know what these things are, you need to read up as templates will be of limited use to you otherwise, i think templates are a bad idea anyway, if only for the fact it creates predicatability ....oh look its one of those again, no problem we have a prescribed process for that.

by Hellsbells6721 Tue Feb 25, 2020 10:54 am

HI Libeiresponse

I have not received a default notice, I did receive a Notice of Assignment back in 2016. It was supposed to be from Vanquis but it was actually from Lowell, themselves.

Regards

Hellsbells6721

by Libelresponse Tue Feb 25, 2020 11:00 am

Did you ask for it, did you ask if the account had been closed ? presuming you are not contesting you had that account ?

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