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Moon phases


TESCO CREDIT CARD & LOWELLS

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Post by daveiron on Mon Nov 18, 2019 9:23 pm

I do.
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TESCO CREDIT CARD & LOWELLS - Page 3 Empty LOWELL SOLICITORS LIMITED

Post by assassin on Tue Nov 19, 2019 3:04 am

LOWELL SOLICITORS LIMITED
Company number 08647091

Registered office address
Darwin House 7 Savannah Way, Leeds Valley Park West, Leeds, England, LS10 1AB

Company status Active

Company type
Private limited Company
Incorporated on
12 August 2013

Accounts Next accounts made up to 31 December 2019
due by 30 September 2020
Last accounts made up to 31 December 2018

Confirmation statement Next statement date 9 August 2020
due by 23 August 2020
Last statement dated 9 August 2019
Nature of business (SIC)
69102 - Solicitors
Previous company names

Name
Period
OVERDALES LEGAL LIMITED
27 Jun 2014 - 23 Mar 2015
LOWELL PORTFOLIO V LIMITED
12 Aug 2013 - 27 Jun 2014

15 officers / 10 resignations
FLYNN, Bill
Correspondence address Darwin House, 7 Savannah Way, Leeds Valley Park West, Leeds, England, LS10 1AB
Role Active Secretary
Appointed on 28 November 2017

BARKER, Fiona
Correspondence address Darwin House, 7 Savannah Way, Leeds Valley Park West, Leeds, England, LS10 1AB
Role Active Director
Date of birth November 1972
Appointed on 20 August 2018
Nationality British
Country of residence England
Occupation Certified Chartered Accountant

FLYNN, Bill
Correspondence address Darwin House, 7 Savannah Way, Leeds Valley Park West, Leeds, England, LS10 1AB
Role Active Director
Date of birth September 1968
Appointed on 17 September 2018
Nationality British
Country of residence England
Occupation General Counsel


LECKENBY, Sara Louise
Correspondence address Darwin House, 7 Savannah Way, Leeds Valley Park West, Leeds, England, LS10 1AB
Role Active Director
Date of birth September 1961
Appointed on 12 August 2013
Nationality British
Country of residence United Kingdom
Occupation Chief Risk Officer

RILEY, James
Correspondence address Darwin House, 7 Savannah Way, Leeds Valley Park West, Leeds, England, LS10 1AB
Role Active Director
Date of birth May 1976
Appointed on 17 September 2015
Nationality British
Country of residence United Kingdom
Occupation Director

If we dig into the cess pit of human detritus we find sone other interesting names apart from Leckenby, this is former directors.

BARTLE, Andrew Paul Lowell, Fredricksons, Tocatto, Interlaken, SRJ Recoveries, so covered in detritus past and present.

Dominic Patrick BRIGGS Lowell, Fredricksons, Tocatto, Interlaken, SRJ Recoveries, Home Start Southwark, BT Payment Services.

James John CORNELL Lowell, Fredricksons, Tocatto, Interlaken, SRJ Recoveries.

Richard Llewellyn DAVIES Lowell, Fredricksons, Tocatto, Interlaken, SRJ Recoveries.

Gary James EDWARDS Lowell, Fredricksons, Tocatto, Interlaken, SRJ Recoveries.

Michael Gerard LYNN-JONES Lowell, Fredricksons, Tocatto, Interlaken, SRJ Recoveries.

Colin George STORRAR Lowell, Fredricksons, Tocatto, Interlaken, SRJ Recoveries.










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Post by Ithesoul on Tue Nov 19, 2019 9:35 am

Hi assassin
Thanks for your post. I did see this when I did my search but not sure who the actual CEO is as not stated, assume its Bill Flynn but can't be sure?.
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Post by Ithesoul on Wed Nov 27, 2019 5:25 pm

Hi Mrblue
I sent the first DCA letter to Lowell's solicitors & received their reply today as attached. Sending letter 2 next week.
Any thoughts on their letter?.
Best wishes
TESCO CREDIT CARD & LOWELLS - Page 3 110
TESCO CREDIT CARD & LOWELLS - Page 3 210
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Post by Mrblue2015 on Wed Nov 27, 2019 9:01 pm

Yep carry on with the process and send letter two next week
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Post by waylander62 on Thu Nov 28, 2019 1:06 pm

according to their letter they have sent you agreement, default notice and statements is this true ?

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Post by Ithesoul on Sat Nov 30, 2019 9:39 pm

Hi waylander62
Thanks for your message. I have received a copy of a default notice from May 2015 but with no signature only 'Tesco Bank Collections'. A copy of an agreement but with digital signature, a set of terms & conditions & a batch of statements?.
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Post by Ithesoul on Mon Dec 09, 2019 11:36 am

Hi Mrblue
I sent the 2nd DCA letter to Lowell solicitors last week & have received the attached reply. They have obviously not sent me the information requested, as stated in the first line of the letter.
I am due to send the 3rd letter on Thursday & will do so, but would appreciate your further guidance on this.
They also state that a legal claim form will be issued against me if I don't respond to them to arrange payment. So could this letter be taken as a letter before action?.

I will look forward to your reply.

Best wishesTESCO CREDIT CARD & LOWELLS - Page 3 Ccf09110
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Post by Mrblue2015 on Mon Dec 09, 2019 2:47 pm

Just send letter 3.

The letter you have uploaded is not a LBA.
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Post by Ithesoul on Mon Dec 09, 2019 5:18 pm

Hi Mrblue
Many thanks for your reply, will do.

Best wishes
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Post by waylander62 on Mon Dec 09, 2019 10:36 pm

look out for a letter before action as they believe they have all they need to take it to court

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Post by Ithesoul on Wed Dec 11, 2019 9:30 am

Hi waylander62
Thanks for your message. So in your experience when things get to this stage, (I am going to send letter 3 tomorrow but plan to point out specifically what they have & have not sent me), what are the probabilities that this will proceed further to court?.

Many thanks
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Post by waylander62 on Wed Dec 11, 2019 9:47 am

if they think they have sufficient evidence ( and thats not much) in todays system , they will send you a letter before claim and then on to court,

it appears lowell believe they have the evidence they need so a claim is likely.

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Post by Ithesoul on Wed Dec 11, 2019 2:07 pm

Hi waylander62
On that basis then & on the evidence that they don't require much to win a claim, (& I don't want to run the risk of getting a ccj if I can help it), I may decide to cut my losses & try & agree a repayment plan with them. What do you think?.
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Post by Ithesoul on Wed Dec 11, 2019 2:22 pm

Or should I await the letter before action?.
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Post by waylander62 on Wed Dec 11, 2019 3:55 pm

i would await the letter before action

looking back...
i) agreement with digital signature ? did you apply online for this card ?
ii) default notice ? doesnt need a signature but needs to be compliant with the CCA would need to see it
iii) notice of assignment ? you dont mention this ?
iv) batch of statements ? have you checked through these for any form of PPI insurance or payment protection ?

is this a large debt ?

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Post by Ithesoul on Wed Dec 11, 2019 11:07 pm

Hi waylander62
Thanks for your reply. My answers are:
i) Yes I applied online.
ii) default notice attached.
iii) Notice of Assignment - this was sent to me by Lowell Portfolio in Feb 2018. I have also received a 'Notice of Acting' from Lowell Solicitors in Nov 19.
iv) there is no evidence of PPI or payment protection on the statements.

The alleged debt is approx £5400.00
TESCO CREDIT CARD & LOWELLS - Page 3 Tesco_10TESCO CREDIT CARD & LOWELLS - Page 3 Tesco_11
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Post by waylander62 on Thu Dec 12, 2019 12:06 pm

this does seem in order

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Post by Ithesoul on Thu Dec 12, 2019 7:57 pm

Hi waylander62
Thanks for checking.
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Post by Ithesoul on Mon Jan 13, 2020 9:10 pm

Hi Mrblue
I hope your well!. I have sent the 3 letters to Lowell Solicitors, for DCAs (not Debt Purchasers), in accordance with a previous post from you, & I am now due to send the Estoppel, if its still the thing to do?. If so can you please direct to the correct template to use?.
I haven't received a letter from them since I sent the 3rd letter a month ago!!.

Many thanks in advance.

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Post by Mrblue2015 on Tue Jan 14, 2020 11:56 am

Hi Ithesoul,

I am well thank you. The estoppel can be found here:

https://goodf.forumotion.com/t299-the-three-letter-process-for-banks-and-credit-cards#1587

(Just scroll down)

I still use it as it is a legally recognised document.


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Post by Ithesoul on Tue Jan 14, 2020 2:47 pm

Hi Mrblue
That's good to know & many thanks for the link.

Best wishes
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Post by Mrblue2015 on Tue Jan 14, 2020 3:25 pm

You’re welcome buddy Smile
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Post by mongoose on Tue Jan 14, 2020 3:28 pm

Actually the estoppel is not recognised in court. Cases and actions will still continue after serving and the judge will not pay any attention to it. The only thing that carries weight is a reference to anything in statute or act of parliament that the other side has not complied with.

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Post by Mrblue2015 on Wed Jan 15, 2020 3:23 pm

If matters ever progress to a higher level such as the county or high court, the Estoppel becomes very powerful as these courts operate under common law and not statute law and under common law you have remained in honour, and they (e.g. a debt collection company) have not.

If either of these courts acts against you for following the correct processes and ignores the fact that the recipient of the three letters (e.g. a debt collection company) has not, you can often get a default judgement against the judge for also acting in dishonor and this is powerful.
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