Thank you

I shall disregard your ill thought out comment.

We have been asked by neighbours to seek advice on the downward spiraling values of our properties due to the numerous drug rehabilitation, wet houses and homeless hostels which have been opened with no consultation in our direct vicinity. Can you advise?

Email just arrived, Lowell Reference Number: (Please quote on all communications) Original Account Number: Original Company: Capital One Account Balance: Dear Mrs, We wrote to you recently regarding your debt that has been sold to Lowell Portfolio I Ltd by Capital One. As you are aware, Lowell Portfolio I Ltd has asked us to collect the debt on their behalf. Make us an offer! We want to help; we are willing to listen to any arrangement offer you can realistically afford to help repay the outstanding balance. The repayment can be weekly or monthly, whichever suits you best. When your balance is cleared in full, we will update the credit reference agencies to reflect this as satisfied on your credit file. When you enter into a repayment arrangement with us, it should give you some comfort knowing you are getting your finances back on track. As long as you make your agreed repayments on time, you will not receive further phone calls and letters from us or any third party debt collectors appointed by us and we will not take any further action against you to recover the debt. Please call 08435 069 173 today to discuss an affordable repayment plan and how you can make payment. If you would prefer to pay online you can setup a Direct Debit in the comfort of your own home without the need to speak to anyone, remember we will accept your offer of monthly payment. Please visit our website www.lowell.co.uk and set up an affordable repayment plan today or you can follow this link straight to the secure Direct Debit form. If you are struggling with debt, you can also contact a number of not-for-profit organisations for free, confidential and impartial advice, or for details of where to get advice in your are. These include: National Debtline : If you live in England, Wales or Scotland phone 0808 808 4000 or visit www.nationaldebtline.co.uk for debt advice and information. StepChange Debt Charity (formerly CCCS). For debt advice throughout the UK phone 0800 138 1111 or visit www.stepchange.org. Yours sincerely Robert Taylor Head of Collections Lowell Financial Ltd

We Acknowledge No Debt To Your Company Dear Sir / Madam, With regards to the above accounts/reference numbers; 
Your client THE LOWELL GROUP have been made aware that this account has been in dispute with THE COOPERATIVE BANK since early 2009. 
Despite clear written notification of such, your clients have shown a total disregard to both Consumer legislation and also matters under the Data Protection Act 1980 by its instructions to yourselves to further pursue collection whilst a dispute remains. 
 We now put you on written notice to the fact that we will be taking this matter further and we have been in contact with the FCA regarding your conduct. Therefore, you must now immediately cease sending any further collection correspondence to myself, refrain from any further attempts at collecting any payment with regards these accounts, and also immediately cease processing my personal data in respect of any alleged arrears or debt. Should your collection activity continue following being made aware of this: 1/ We shall immediately seek directions from the Court with a view to obtaining an injunction against your company, preventing your continued harassment. 2/ We shall also file formal complaints with the FCA and also my local Trading Standards office, with a view to urging a review of your suitability to retain your CCA74 & other regulatory licenses. 3/ All correspondence from yourselves will continue to be retained by ourselves, and may later be used as evidence in a future claim for damages. The FCA has recently issued stern warnings to those individuals and organisations who have initiated hostile actions (threats and secondary actions, addition of collection charges, and the sharing, passing or processing of personal data with third parties) whilst customers are seeking to enforce their Statutory and legal rights, and we strongly suggest you familiarise yourselves to these warnings. Since this is a formal complaint you are also required to send us a copy of your complaints procedure, as per guidance from the FCA, and also the Financial Ombudsman, who act on their behalf. We look forward to receiving a copy of these, together with your written undertaking that your own attempts at further recoveries will now be suspended. Yours Faithfully 
 Hows that? Of course mate, this has been going on since 2009 and I'm on about DCA 6.

This has just arrived, Is there a letter to notify a DCA I'm in the process of following FCA's advice or do I just write my own?

This just arrived, Dear Mrs P, We hold this e-mail address on your file and would like to use it to communicate with you - we work closely with our customers to ensure that they are given the support that they need to find the right solution for them and we would like to speak with you today. Please contact us on 08435 069 173 to see how we can help you or if you would prefer that we didn't e-mail you at this address - please quote 166246256 when calling. Yours sincerely James Crabtree Customer Services Manager Lowell Financial Ltd This email and any files transmitted with it are confidential and intended solely for the named recipient of this email. If you are not the named recipient you should not disseminate, distribute, copy or alter this email. Any views or opinions presented in this email are solely those of the author and might not represent those of Lowell Financial Ltd. Warning: Although Lowell Financial Ltd has taken reasonable precautions to ensure no viruses are present in this email, the company cannot accept responsibility for any loss or damage arising from the use of this email or attachments. Lowell Financial Ltd is authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts. Registered number 4558936. Registered Office: Ellington House, 9 Savannah Way, Leeds LS10 1AB. Lowell Financial Ltd also trades under the names of Lowell Group, Hamptons Legal and Red Debt Collection Services. Lowell Group: An Investors in People Champion organisation • Lowell Group has been ranked in the top three credit management and debt collection companies in Europe, prepared by industry consultants OC&C, for the last six years. • Credit Today’s Debt Purchaser of the Year 2012, 2010 and 2007 – the only company to win the award three times • In 2013, for the second year running, achieved the highest average score across the industry in the Credit Services Association’s Collector Accreditation Initiative (CAI), an online test that examines the knowledge and competencies required to perform the role of a professional collector.

CCA'd crapone and they failed to provide anything in 2009.

So what's the battle plan folks?

Thank you for your email dated *** **** **** in respect of your dealing with Lowell and Advants DCA’s. First step you can take is making a complaint directly to the firm outlining the reasons for the formal complaint. Detailed steps an individual could take should they wish to complain about a regulated firm can be found on our website. For your convenience, I have attached the link to our website below: www.fca.org.uk/consumers/complaints-and-compensation/how-to-complain If the firm cannot send you a final response within eight weeks, then they must inform you that you can ask the Financial Ombudsman Service (Ombudsman) to consider your case. I trust this email is of assistance, and has clarified your potential next steps. Yours sincerely

Had you CCA'd crap1 in the past? I did and they didn't have an agreement.

Snap.

No mate. FOS won't rule on it and advised we apply to FSCS for compo. I mailed a complaint to the FCA and they replied with the following. Thank you for your email dated 30 July 2014 regarding your Payment Protection Insurance. As your complaint is regarding mis-selling of the product we usually suggest your complaint is directed to the firm which sold you the product. However, if this is not possible you are within your rights to raise the complaint with any firm you feel is involved. The first step is to lodge the complaint directly with the firm, we suggest putting this in writing so that you have proof of a complaint being made. If the matter is not resolved within eight weeks or if you remain dissatisfied with their final response, you have the right to refer the matter to the Financial Ombudsman Service (FOS). This is an independent organisation with the power to investigate complaints. I have attached a link to our website which explains the complaints process further and the FOS’s website which explains their role and remit.

What should I do? If I SAR crap1 will that start the 6 years ball rolling again?

Many late fees/charges and statute barred next March. Crap1 failed to comply with CCA in 2009 and then defaulted the account as I stopped paying them.

From FCA, Dear Mr and Mrs P, Thank you for your email dated 30 July 2014 regarding your Payment Protection Insurance. As your complaint is regarding mis-selling of the product we usually suggest your complaint is directed to the firm which sold you the product. However, if this is not possible you are within your rights to raise the complaint with any firm you feel is involved. The first step is to lodge the complaint directly with the firm, we suggest putting this in writing so that you have proof of a complaint being made. If the matter is not resolved within eight weeks or if you remain dissatisfied with their final response, you have the right to refer the matter to the Financial Ombudsman Service (FOS). This is an independent organisation with the power to investigate complaints. I have attached a link to our website which explains the complaints process further and the FOS’s website which explains their role and remit. www.fca.org.uk/consumers/complaints/how-to-complain www.financial-ombudsman.org.uk I trust this is of assistance to you. Yours sincerely,

Must admit I'm still a bit confused as to how Blemain can refuse to refund when they added the mandatory 3 year PPI to this loan. Even if the FSCS refunded us we would still be paying interest on the PPI for 25 years. Blemain say it's Clicks problem not theirs and Click have gone out of business. I call it BS !

Can anyone how the balance can go up by a grand?

One day last week Mrs P took a phone call from somebody who made out they were from a Company working with Northern Rock to help people reclaim mis-sold PPI. After a lengthy conversation, she told them to forward a pack for Mr P to peruse. This has now arrived and it is from First Target Recoveries Ltd. On reading the T&Cs it states that they charge you 33.95% for helping you get your money back. Please beware.

FOS re the charges part of the complaint.

Thanks folks.

it's a CO.

Right folks, had the house valued and going to sell up and move, pay debts off and still have a nice amount left. How does the Charging Order determine how we should go about this ?