Hello I've received a "Payment Due" letter from Lowell today. Stating " your former BT PLC account remains unpaid. I did have a BT line but cancelled it when moved house in September 2015 and haven't had any dealings with them since. Anything I need to do now as I am aware i cannot CCA a telecoms contract. Thanks DC

Hello This morning I received a letter titled "Overdue Account" from Lowell chasing a JD williams debt. I am not sure of any dates or information regarding this account. I believe my next step is to SAR JD Williams to get all information. It is possible that this defaulted in October 2011. If someone could someone give me a nudge in the right direction that would be amazing. Thanks DC

Good Afternoon, I am new to this site and after popping Lowell in my search engine, this amazing site popped up! After reading several posts on this forum I have plucked up the courage to post and ask for help. I had a dispute with vodaphone over two years ago after been a customer with them for 15 years. It all started when they changed their billing system and did not take payment for over 12 months and then I received a massive bill .. they continued to provide service until eventually they restricted use of my sons phone (on my bill) and then after three months put it back on.. They eventually cut my phone off and refereed to a DCA, name escapes me now.. I received a letter last June, stating unless I contacted them my case would go to court, three weeks later. I contacted them explained what happened and I never heard anymore from them until I received a letter from Lowell in May. In May of this year I received my first letter from Lowell, and have since received three more, offering a 30% and a 40% discount on my debt. The last letter received on 17 July stated that the 40% discount would apply until 31 July, before they take legal action. I was so close to calling them this morning to set up a payment plan as 40% off the orginal debt of £1187.71 is a lot of money, but then I found this site. I have read a lot about requesting SAR, but tbh I dont understand it. Shall I ring to set up a payment plan? if not I would be very grateful if you could advise my of the next steps. I am worried sick that it will be sent to court. Thank you in advance.

Good afternoon, everyone. Hopefully, I've remembered to add all the right details and posted in the correct place. My partner has recently been getting a lot of letters and "ring up and hang up" calls from Lowell Financial LTD. recently. It is due to two unpaid debts to Shop Direct and Capital One for £1,383 and £1,754 respectively. I know that both debts are younger than six years, but I don't have the exact dates to hand at the moment. These were obviously not the original amounts owed, but despite trying to contact the original creditors in the past, new interest has continued piling up as they seem disinterested in being helpful in any way. The reason I am writing here today instead of my partner is that I am her carer, and she is not capable of handling this issue herself. The debts were accrued during my fiancee's marriage to her ex-husband: a repugnantly abusive human being who is responsible for most of the collective £11,000+ debt under my partner's name. He spent many years bullying and coercing her into taking out loans and buying things from catalogues while forcing her to pay for the household bills and keeping every penny of his own income for his own pleasure. Not only is my partner mentally incapable of dealing with this situation due to her PTSD and longstanding mixed-anxiety-depressive disorder, but the constant harassment is triggering episodes and meltdowns I am really worried about her and want to understand if there is anything I can do to deal with this situation. We had a letter through the door today headed: "Assessing your accounts for legal action". I think I understand that this is just a fishing tactic, as Lowell has made endless calls to the house in order to find out whether or not she lives here, but they always hang up the moment I answer the phone (my fiancee never answers the phone herself because of her anxieties). Recently, I dealt with a collection agency for Street UK who were after £5,000 from me for a personal loan to start a business which I could no longer pay at all by explaining my situation absolutely to them. I lost my business and all my income as a result of my own abusive ex-partner, and I explained the catastrophic harm the continued harassment was doing to my mental health because of my own PTSD and my recently diagnosed comorbid avoidant/dependent personality disorder. Since then, they have stopped contacting me entirely. I feel as if they were more likely to be understanding, however, given that Street UK is in association with the DWP to help people start small businesses (not that I got more than a fraction of the help I was promised by the Jobcentre - but that's another story), and they can't be seen to be too grubby. Lowell, on the other hand, seems to possess no such scruples, given the various reports I read online. Sure, I know I should be mindful that nobody will speak very nicely of them, given that nobody likes paying debts, but the themes are too significant and consistent to ignore. We have tried securing a debt-relief-order for the household, but our car is still worth more than £1000, which makes things problematic since we are loath to sell it. It is, after all, costing us less to maintain than an old banger would, which would quickly run-up costs. We are worried, since we just don't have the wherewithal or the money to handle this situation, and are already mired in court cases against my own ex for domestic abuse and parental alienation (16 months no contact with my children and counting). Lowell's cruelty just feels like poverty-punishment at this point. We only recently had to shell out £100+ because our car's road tax ran out at the start of the month, and we had no choice but to wait and not use it until the end of the month when PIP came in. Surprise, surprise, some jobsworth just magically appeared to clamp our vehicle in the interim. We couldn't buy food or pay utility bills for this month, and I've had to negotiate with my utility company to accept late payments for the next two months without punishing us. So, yeah... sorry if this is in the wrong place or is too verbose - I get like that when I'm anxious. I should also probably add that we have contacted StepChange in the past, and were informed that there wasn't much they could do to help us at the time.

hi, ive just recently looked at my credit report and in the last two weeks ive had 2 ccj's added to my credit report. one is from lowell and the other is from lantern drs which i assume is now what mmf used to be. both were issued at my old address and i knew nothing of the matters going this far. the lowell one is for an old shop direct account and the other is an old loan from 2013 which can only of been a payday loan. my question is what should my next move be im a carer for my disabled son so i dont work and claim income support. any advise would be great help. many thanks

Hello, my first post so please bear with me. I owe a debt to Aqua Credit Card. Due to mental health and physical disabilities I got in to trouble and didn't pay it. It was sold on to Lowell Portfolio who have now taken me to court at Northampton. After reading advice I sent a CCA request and a CPPR 31.14. Along with an acknowledgment to defend on 21/05/18. On 18/06/18 I received a letter telling me that this was going to the small claims track. With that I received a questionnaire about mediation. I have been away 2 weeks, while attending a family funeral and received letters to mediate. As I had not responded, I now have a letter Notice Of transfer of Proceedings. I really do not know what to do now, or what this means. I suffer severe depression and fibromyalgia, the worry is now making my conditions worse. Please can someone advise me what I need to do now. Thank you

And here's another one. Name of the Claimant - Lowell Portfolio I LTD Date of issue – 16 JUL 2018 Date to acknowledge) = 03/08 Date to submit defence = 17/08 Particulars of Claim 1) The Defendant opened a Simply Be Regulated consumer credit account under reference xxxx on 10/02/2015 ('the agreement').xxxx 2) In breach of the Agreement, the Defendant failed to maintain the required payments and the Agreement was terminated. 3). The Agreement was later assigned to the Claimant on 12/01/2017 and written notice was given to the Defendant. 4) Despite repeated requests for payment, the sum of £4XX.XX remains due and outstanding. And the claimant claims a)The said sum of £4XX.XX b) Interest pursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.089, but Limited to one year, being £32.58 c)Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? I don't think so, she has been keeping that comes in now instead of throwing it away and she does not have a copy of that. What is the total value of the claim? - £5XX.XX Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? A Catalogue When did you enter into the original agreement before or after April 2007? After Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim? Debt Purchaser. Were you aware the account had been assigned – did you receive a Notice of Assignment? Unknown Did you receive a Default Notice from the original creditor? Unknown Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Unknown Why did you cease payments? Payments became too much, the Catalouge kept increasing her limit every month so she spent it, despite being unemployed. What was the date of your last payment? Early 2016 Was there a dispute with the original creditor that remains unresolved? No. Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, offered reduced payments to clear but they kept adding interest on it which made clearing impossible. They did not respond to further contact through the account portal. Marked as defended and CCA/CPR will be in the post.

I have sent a prove it letter to Lowell recorded delivery for a debt i apparently had with provident, Which was then passed to a company called vanquis bank. I have no recollection of this debt i have however in the past had provident loans but all are settled and show as settled on credit file. This one however isn't even on my credit file for me to view. Im just wondering if someone can advise what sort of response i should accept from lowell as in what information they have to provide.

Hello all. I am hoping for a bit of advice please. I received a very worrying letter from Walker Love today advising that I owe their client £396 (the original creditor was Next Directory...but I believe this is now owned by Lowell). The default took place in 2014 and at the time I was suffering from chronic illness that meant I fell behind with payments. You know the story...it ended in the default. I never denied my debt.. .I emailed and called offering payment several times and was dismissed. ..I was told that their agents would be in touch. Several months later it was sold to Lowell for pence to the pound. I have not paid them a penny to date. I know that Walker Love are sheriff officers.. .and wonder about the seriousness of their letter? I would rather make payment in small amounts than face any further damage to my credit file. I have already suffered for several years now for my silly mistake. My question is how to proceed with them to avoid further hassle? I cant afford the full payment, bills aside I have very limited disposable income.

Hi everyone I have just joined the CAG as I was told this site has helped many people in trouble am I am in trouble with Lowells for an old telecom debt, they have taken it to Northampton county court and a judgement has been passed without me knowing, want a payment of £50 commencing next what can I do about this I feel it may be too late???? Please can someone hlp me. Regards Iceblock

in October 2016 I've started a 2 years contract with Vodafone but after half a year I couldn't keep up with the payment and didn't pay since then. I do plan on getting rid of the debt once I'm fully back on track, I can't afford it at the minute and hoped I still have some time before any legal action can be taken. Recently I started receiving letters from Lowell Financial Ltd, headlining with "Pre-Legal Assesment". Do I have to be worried about any legal action? My Vodafone contract ends in Oct 2018 in theory. Are they able to file a CCJ even if they bought a debt of a contract that is not even brought to an end? I have read many other posts where people come with contracts that are 5-6-7 years old, and I'm here wondering how worried should I be about this letter. See the letter below. Thank you in advance.

my girlfriend took a loan out from provident on 6th December 2012 with a fixed term agreement £1134.00... her provident door sales rep money collector last collected payment 27th December 2012 . she recently had a letter from the lowell solicitors claiming to reply within 7 days.. today x2 days after receiving that letter she gets another paperwork SMALL CLAIMS TRACK . ( small claims court i take it?) i contacted the solicitors thinking that the case was statue barred because the length of time but obviously it was not... the soliciting group claims the agreement expired 20 February 2014.. what ever the amount was i know the provident group earns high interest from the ones struggling by lending them pittance (sad stateof affair but..) is she best off offering money or court session or.... any advice help much appreciated .. thankyou

Hi, Im in the process of going to court with lowell for an old Argos debt. The hearing is next week, the 7th of June. I sent CCA and CPR requests in December last year and agreed to mediation. I got a reply stating that all paperwork would be sent to me just before court so couldn't sort things via mediation as I didn't have any details of the claim. In April I was sent copies of my signed agreement and statements of payments/purchases. A couple of weeks ago I was sent a copy of Lowells defence. I haven't received a copy of the default notice and in Lowells defence statement they state that they do not have a copy but can confirm that the original creditor has told them the date and they list it. Now I have received a Tomlin Order from Lowell and original debt of £255 is now £549 with interest, solicitors costs and the cost of the Tomlin order. My plan was to go to court and if judgement went against me then I would pay up on my Credit Card and pay it off over the next 2 months rather than deal with Lowells. Now I haven't a clue what is best, I've read a few posts and googled about Tomlin Orders but I don't fully understand it all. Would them not having a copy of the default notice help? Thanks

Hi all, Was wondering if someone could help me on an a statute barred query. Lowell have been chasing me for an alleged LLOYDS debt on and off for a couple years. Details… Date of last payment on account January 2012. The account was an overdraft, and already in arrears exceeding its limit at this point. No payment or acknowledgement has been made since. Value is roughly £1500. A default was then recorded on my credit file on 01/07/2012. Now, I would assume COA would be somewhere between the January and the actual date of recorded default. If this is the case, this debt is very likely already SB. However, after having read about Lowell I am almost certain they will argue the default date of 01/07/12 is the relevant date if I send a SB letter and I’d rather not get into any communication with these fools unless 100% sure. Basically, in 1 month the default will completely disappear off my credit file and it will be 100% certain SB. My concern is they will be wise to this and try to pursue a CCJ at the last minute. What’s confusing is my last couple of letters have come in the form of discounted settlement offers. The wording has been “before we take legal action, we would like to offer you” - firstly 20%, then 30%, then 40%. This confuses me, initially I assumed this is because they are somehow aware due of the timeframe of the alleged debt being a lost cause and are trying anything and everything. Or is there a chance they will all of a sudden withdraw these offers go straight in for a full claim? If so, then why have they not done this already if they stand to recover the full amount? Am I being naïve? I am just looking for some overall advise on how to deal with this situation. Shall I wait it out with zero contact? Shall I send a prove it letter to keep them busy for a while? Thanks Will

I received a letter today from Lowell saying they have bought a debt of £26.95 from T Mobile. have been with T Mobile and the moved over to EE for quite a number of years. have 2 phones with them on expensive contracts paid by direct debit. have never missed a payment have never heard anything about this debt from T Mobile or EE when it was changed over. This is not on my credit file either. I know it is only a small amount but I do not see why I should pay for something that I do not owe, next time it could be a lot more. Do I just ignore this, I don't want to end up with a CCJ for £26.95.

hi I have a court date with these regarding a supposed debt with vanquis card, it has gone through all the channels and ive defended the claim etc. I agreed to mediation but couldn't as I have been given no CCA or notice of the debt being passed to Lowell. so its gone to the small claims track and a date set in july that's if Lowell pay the court fees next month. I have requested a copy of CCA and any paperwork to do with the debt passing to Lowell, so far all I have received is a vague copy of an online credit card application with a covering letter stating that shortly after an account was opened . I don't think this is enough for them to win in court as without a copy of CCA it should not be enforceable, am I correct? please let me know if you can help and if you need any more information/ thanks

Hi In 2016 Lowell purchased a credit card debt of 3K. I sent 3 letters using templates from a now defunct site and they sent me a copy of my original credit agreement. I have continued to ignore their letters, which were mainly offers of discounted settlement. (the latest was 50% in feb) I now have a Claim Form from the court and unsure what to do as i have top respond soon. I'd be grateful for any advise on whether I should defend, and if so how? Thanks VitSea

Hi I have had an old debt with creation finance now managed by Lowell Lowell have confirmed that the last payment was in May 2011 but the default on my credit report is aug 2013, I would have thought it should of been between Aug and Nov 2011 under the 3-6 mth rule Lowell are refusing to change the default date and they are also saying its not stat barred as the default was registered in 2013 Now I know they are talking the preverbial bull about it not being stat barred but how do I go about forcing them to change the default date? cheers

Hi Guys, need a little help. I had a default on my file from Lowell placed 30/04/13. Not paid anything from it, its an old Vanquis credit card debt, that was only about £450. It was frozen at £3191 at point of default. Heard nothing from them in years and now all of a sudden, I'm getting calls every day and as I'm not answering they are leaving messages, I have left them recorded on my phone, to show if needed how much contact they are applying to me. Then this morning, I have received a letter offering the usual 60% discount, which again I am not replying to our paying. Were do I stand with this please, just ignore and hope they go back in their shell until the 6 years default is up next year and then do statue barred or could they still take me to court and would they stand a chance of winning after so much passed time with no contact and such a inflated interest added on to the account ? Vanquis sold the debt on in 2012, I never spoke to Lowell when it was passed on either. And surprise surprise, never received the letter informing me of this or of the default. Any help would be great, thank you.

Hi All I have now received 3 letters in the last two weeks for a small 'debt' by Lowell on behalf of EDF. This supposed debt (£71.15) on the letter for 'outstanding balance' states a date range between '22.5.13 to 4.6.15 ( this was the entire term of my account with EDF I believe.) These letters arrived out of the blue. The account for utilities at EDF which ended at April '15 I think judging by old emails I have. Ive had no letters or other communications from EDF in the last 5 years that Im aware of about this alleged debt. Surely this must be some kind of fishing trip? Why would any company suddenly start sending letters for a bill Ive never received? The letter just says 'payment due', frankly I find this ridiculous and I am pretty sure my account was clear before moving on to Co-OP; Co-op completely messed up my account due to their complete system collapse when taking over from EDF. So far I have just ignored the letters.

Hi everyone, hoping to find some urgent last minute help in this wonderful community Name of the Claimant ? Lowell Portfolio Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 03/10/2016 Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total) - ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total What is the claim for – the reason they have issued the claim? Please type out their particulars of claim in full (verbatim) less any identifiable data and round the amounts up/down. Unfortunately I have now lost that document as have moved house twice since receiving their claim... have attached the defence I sent and the claimant's witness statement Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? No What is the value of the claim? £938.19 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Vanquis credit card When did you enter into the original agreement before or after 2007? After (05/08/2010) Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt purchaser Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? No Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? I lost a job at the time and couldn't make monthly payments What was the date of your last payment? 30/12/2011 Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management planicon? No ------------------------ Hello everyone, Only just joined the community, but have been carefully following few threads to help with my personnal situation. So far it has been a priceless source of information and I hope to seek further help! I have my court hearing this coming Tuesday at 10am - here is a timeline of events: - Vanquis Agreement dated 05/08/2010 - Last payment made to Vanquis on 30/12/2011 - Notice of debt received by email from BW Legal/Lowell on 13/09/2016 - Letter with CCA request sent on 28/09/2016 - which was ignored - Claim issued by Lowell on 03/10/2016 - CPR18 request sent on 25/10/2016 - again, ignored - Defense sent on 05/11/2016 (copy of my defense attached in the thread) A year gone and never received the documents I asked in order to prepare defence of enter into mediation - DQ filed by claimant on 20/11/2017 - Sent another CPR18 request on 24/11/2017 - yet again ignored - Direction Questionnaire filed on 30/11/2017 Which brings us to present days, and the witness statement receive from the claimant only 2 weeks before the hearing (attached to the thread) - while I have been requesting information since November 2016 ! With the hearing happening in 3 days, I'm getting exponentially nervous about what's going to happen - and how I should prepare to defend myself. I misunderstood the notice of allocation for the hearing and didn't send a witness statement myself... is there something I should do/say at the hearing? Can someone kindly advise on the best course of action for me to get in the hearing with a bit more confidence? I'd like to avoid a CCJ at all cost and just want to settle the debt - but have missed the opportunities to do so as they failed to send the documents I requested A few questions I have after reading the witness statement several times: - I never received the Notice of Assignment. Statement says "defendant put to strict proof to the contrary" - clearly, shouldn't these kind of documents be sent registered and/or signed for? My gut instinct is to say they should be the one proving they served me with the notice of assignment (their responsibility, isn't it?) - With my CPR requests, I have sent deadline for them to collect and send the requested documents - none were respected. I literally had to wait almost a year and half and the witness statement (just a few weeks before the hearing) to get any sort of documents from them. Is that a point for me to use in my defence? As I've been chasing documents for a while in order to prepare my defence, ignoring my requests and sending these at the last minute should play in my favour? Many many thanks in advance for any help that the community could provide me with I will make sure to keep everyone updated. BW Witness Statement.pdf BW Defence.pdf

Hi All, Received a county court northampton form for lowell. An o2 contract. I've asked for proof of this from lowell and as it was taken out online, there isnt much they can prove. They said they have requested statements but these will show blank. Contract was not used, only the phone (which they eventually blacklisted) If i'm honest I lived at the address for a month and have no link to it, which was where the contract was set up and sent to. Can I disagree with the claim and ask them to prove it was me who took out the contract? If not, what can I do? Thanks,

Hi I've been receiving letters from Lowell regarding a debt for a mobile phone account which isn't mine. I mistakenly decided to ignore the letters until county court claim has been started against me. I've filled out the form online to give me some extra time to defend it and form a case but I'm hoping I can find a way to force them to annul or at least postpone the claim. I've looked around here and apparently because it was a mobile phone contract, a CCA request letter would be ineffectual because it was a service agreement. So I'm thinking about sending them a "prove it" letter and possibly a Subject Access letter but I'm unsure of how effective this will be. Any advice and suggestions would be greatly appreciated. Also, Lowell have put a default notice on my credit card report which is what I was wondering if they can legally do that without any proof?

I wonder if anyone can give me some advice please? Lowell Solicitors are chasing me for a debt to Orange (who I believe no longer exist) - I believe the original debt was about £300 maximum. They now claim that I owe them over £1,000. Is there any limit to the charges they can add? I am now in a position to repay a reasonable amount but surely this is just ridiculous? I have asked them to explain how this debt has grown to such a level but am not honestly expecting a sensible reply! This does have a CCJ against it. Can I go back to the court and dispute the matter at this stage? Many thanks.

Hello everyone it’s my first post. Have received Lowell Pre-Legal letter as title shows. It relates to 3 separate debts... 1. Capital 1 credit card £331.73. Last payment on the account was May 2013. 2. Vanquish credit card £725.86. Last payment on the account was September 2013. 3. Vodafone £1479.88. This one is NOT on my credit report. As yet I’ve had no communication with Lowell and really would appreciate advice on my next move. Thank you in advance!!