I have a couple of "accounts" with Lowell (one for £507.43 and one for £512.56) which I was paying off at £10 per month per account (all I can afford) . When I checked my credit file I noticed that the Defaults that I have for these debts will drop off my file in 2015, whereas I'd still be paying them off 2 years after that. last month, rightly or wrongly (probably wrongly ) I thought whats the point of paying them, as I have Defaults for them anyway so it can't really get worse. I now have been getting threatening letters from Hamptons Legal which I assume is the same Company, and probably same Desk as Lowell lol But they are threatening CCJ's etc I was just wondering what I should do regarding this really? Start paying again? Ignore them? The original accounts/debts were with Barclaycard and Orange and I know that probably half of the debt amount is made up of charges/interest as I remember the credit limit on the Barclaycard was only £260 at the time, and now I owe £507.43 on that one. Thanks in advance for any advice you can give.. and feel free to tell me how stupid I am for stopping payments if you feel I am stupid lol Simon

Hi, I have today received a letter from Lowell Portfolio I saying that I owe over £4000 for a co-operative credit card I opened in 1998. Whilst I accept I did have a credit card with this company I have absolutely no idea why I owe this money as I haven't used the card for over 10 years. What should I do please? Thanks

Hi I am in need of some advice please I have just been handed a statutory demand from a man at my door, from bwlegal for lowells for a capital one card for the amount of £1243. There is several dates on here. says default date 9 feb 2008 but on appropriate court for setting aside demand form says date of assignment 12 feb 2009. Also letter has date of 17th jan 2013 and man knocked and handed to me on 27th jan and says i have 18 days is this from date on letter or date handed. Firstly i cannot remember how long ago since i had a capital one card so well over 6 years, so as i am not sure on this i paid to get experian report which has this listed. as follows company : LOWELLl PORTFOLIO I LTD Account updated: 25/09/2011 account type : credit card / store card Started: 22/12/2004 Default Date: 09/02/2008 Current balance £1,243 I am confused as to where the date 09/02/2008 comes from , as certainly haven't had any dealings with credit card since before 2007 possibly alot longer, i know i moved to my new address in 2007 and haven't paid any capital one here, and in feb 2008 my son was diagnosed with a brain tumour so i was in hospital for months with him on that date, so wouldn't of spoken to anyone. I also printed my credit report out and it had my old address and there was no mention of capital one debt on there, so as far as i am aware this debt had disappeared as older than 6 years. only above information of debt on report when put in new address.(had a capital one card at old address) I wouldn't have a clue if i owed them any sum of money and what that amount would of been, so how do i find this out, how do i know this information is correct. And who puts the default date. as this would of been before 2008, can they just put what they want. I would really appreciated some advise on what to do. I have read your forums and there is some really good advice, but just wondering with my details as what to do. The point it says statutory demand a bankruptcy scares me if someoone could give best course of action would be much appreciated. Have tried to ring NDL but waiting on call as busy. Thanks x

Well I think it's interesting. I've read a lot about Lowell here on these forums and elsewhere on the web as I have been contacted by them. I do share the popular opinion of these people as **** bags but I am also going to assume that they too read these forums so forgive me if I try to "fly under the radar" somewhat. They wrote to me claiming that I owe a major credit card provider over £5000. They say the debt was sold to them in June 2011. They quote an credit card account number with the last 3 digits missing. I truly and honestly do not know of this debt. I don't live in the UK any more, I moved to France in 2008. It's a long story that I'll spare you but I now own absolutely nothing. I live with my partner and children in a house that was left to her. I earn my keep doing odd jobs, painting and gardening for other ex-pats. No sympathy required, I live in a wondeful place and I have a loving partner and family. I'm very happy. Now this crowd are writing to me about this debt. I was paniked and scared at first. I found a template letter and wrote to them, recorder delivery, saying that I had no knowledge of any such debt. It quoted OFT rules etc. and said I ask that no furter contact be made unless they could provide evidence of my liability. I then received what appears to be their second standard demand letter. This did not answer od refer to my letter to them in any way. I replied and re-staed that I had no knowledge of the debt and this time asked specifically for a copy of the credit agreement and a full breakdown of the account including any interest and charges applied. They responded that they had asked the lender for a copy of the credit agreement and said that they would reply as soon as they could and do their best to send it within the 12 days. I got another letter 6 days later saying that the lender was trying to retrieve the agreement from their archive. Now I've had a letter saying "your original creditor has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the consumer credit act of 1974 we are not obliged to send you an exact copy of your signed agreement." Is this true? If so this in itself is outrageous. How can they get away with sending a copy of any old credit agreement and not the specific one bearing a (my) signature? Anyway, this is where I'm at. I'm not sure quite what to do next. Should I respond at all. I'm in France and I've truly got nothing, I don't believe I owe the money and Lowell can't send me a signed agreement but they say they have satisfied their obligations under the act. They have completely ignored my request for a full breakdown of transactions, interest and charges. What if my identity was stolen and a debt had been run up against my name fraudulently? How would I know? What should I do please? Your opinions would be gratefully received and appreciated.

Greetings fellow citizens, nanu nanu (mork and mindy in case your left wondering?)... The short of it, Vodafone contract couldn't afford the monthly bill so buried my head in the sand which ended up being disconnected. Eventually passed onto a few DCA's (I believe) and now ended up with Lowell Financial. Fail to remember all the details (mainly attributed to alochol) and having discarded pretty much all of the Vodafone/DCA correspondances (is there any way to retrieve them?). Lowell gave me a quick breakdown of the debt... Original company name: Vodafone You owe: £814.14 18 October, 2012 Dear Mr xxxxxxxxxxx Thank you for your recent correspondence, the contents of which have been noted. Please be advised that Lowell Portfolio 1 Ltd through its collection agent Lowell Financial Ltd is exerting a contractual right to pursue payment of the debt following its purchase from Vodafone by Lowell Portfolio 1 Ltd. Notice of the assignment of debt was given to you in writing through our letter dated the 14th September 2012 in accordance with Section 136 of the Law of Property Act 1925. Please be advised this account was opened on the 5th May 2009 and the last payment date on the account was the 9th August 2010 for £25.00. We can confirm the remaining balance is made up of airtime debt of £582.30 and an early termination fee of £231.84. We ask that you please contact us with your proposals for payment. We look forward to hearing from you. ****************************************************************************************** The Vodafone contract/account was disconnected on the 25th of September 2010. Not sure of the options available to me as this will be scantioned to ScottCall from 01/02/2013 (don't ask procrastination) but I did call Lowell up today (31/01/2013) and advise them that I disputed the amount and will be in touch with a reason, to which I was told 'will be noted'. Currently unemployed and living with parents. Any help/suggestion would be greatly appreciated.

Hi all, fairly new here and would appreciate a little guidance on this if at all possible. I have four different debts, two are current accounts/overdrafts, the remaining two are credit cards. All are now statute barred (I live in England by the way), last payment July 2006 and none show on any of my credit reference files. Should I just fire off the statute barred letter to each DCA and see what comes back? Any advice greatly appreciated! Rgds.

Another Story for the Forum... with a twist. I had a debt that built up with O2 18 months into a contract. I defaulted 05.05.10 when I lost my job (sorry to bore you with details... same story different person context helps though...). It's in the region of £450 a relatively small amount for a default. I ended up homeless so when they passed the debt around as is customary the agencies couldn't find me. This was finally passed to Lowell Portfolio and they have, as I understand it, taken on all rights to the debt, including the management of updating CRA's. I have paid the debt, in full, on the original debr. After much conversation with o2 whom I had kept in contact with (albeit sporadically) I paid it to them. It transpires they are likely to pay it to Lowell. On checking my Experian it is Lowell who appear to manage the debt. I approached Lowel and explained the situation. The question: On Experian all that is currently showing is the default. It shows the current default date as 02/2011 with the original default date showing as 09/2010 in a little box (the date in which i would have originally defaulted with 02 i.e. six months without payment). Can I ask for the default to be shown in context I.E. can they show the perfect payments for the 18 months prior to default on the account previously ( at present all that shows is the defaults since LOWELL TOOK THE DEBT. Can I argue that they currently are not showing an accurate reflection of my dealings? Would I be better off asking for it to be removed completely? Would it even make a difference. I have just set up some more credit agreements to dilute the affect of this default. I've never used Credit cards previously and have stayed away from mobile contracts but i want a mortgage now Im more settled. The debts settled I contacted them I have acted responsibly in organising my debt. Admittedly late but at a time where I'am able.. . will any of this work in my favour? As yet my accounts still show the debt as a default. Your thoughts and suggestions would be greatly appreciated! Thanks.

Hi Guys Thanks in advance for any help / advice you can offer. My partner has an outstanding debt which Lowell have been chasing for. The outstanding balance is £2324 which has come a quite a suprise to her and even more so to me I went through the process of delaying Lowell's by asking them to provide full statements of the account and today they have sent through a large reem of paper with a summary of every month on the account for the past 10 years. Last payment made to the account was 20/05/2008 Last charge on the account (interest) was 20/06/2007 Last actual use of the card was 17/11/2005 The origional Credit limit was £1800 Lowell had origional offered to "Cut a deal" to reduce the amount, but is there any way I can argue against the debt all together? Thanks AC

well lowell have come out of the woodwork saying that the debt isnt stat barred which i know it 99% is. what i was doing 8 or so years back was paying 15 a month into a holding account (my other account at natwest) and they were later transferring it when they felt like it. i sent the stat barred letter and they replied saying last payment was march o8 of 700 odd quid. well i know i have never had that sort of money to make a lump sum payment so they must of just taken the money in the holding account. my last payment into the holding account was before my mam died (back in march 2004) so what would happen if they chanced court? it was defaulted back in 2006/7 and has dropped off my credit file. im on mse under the same name post on there a lot more than her thanks for any advice

Hi, I am a newbie on this site and have a Northern Rock credit card which is now operated by Co-operative bank and after reading many threads on this site sent a letter requesting my signed CCA agreement which has now come to time and not been sent. To be fair I never signed one as they sent it to me when I once had a mortgage with them about 10 years ago but card continued when mortgage was redeemed and then passed to Co-op bank over the years. I would just like advice please, even though theres lots on here, to some specific questions please if anyone can help. 1. What letter do I next send to them and what do I do next. 2. When do I stop payments. 3. What is the court process some people mention on here and when do I need to do anything if at all. 4. What charges/interest can I reclaim in addition to having the card stopped/cleared. Many thanks, Sue

Hello everyone I could really use some advice here, back in the 1980s my mom took out a loan of £1500 and she paid back around £1000 then ran into diffculty and the bank started hammering on charges then in the early 1990s the debt was passed on to cohens DCA and they got a ccj awarded since then my mom had been making small payments recently she asked for proof of what she owed and what had been taken off the debt the collector stopped coming for the £5 a month she was paying and now it has been sold on to lowell 1 who are demanding over £3000 or at least £50 per month neither of which my mom can afford as she is now retired and lives off pension credit. Is there anything at all we can do? Its getting serious as my dads a worrier and even said there is no point in living anymore as they are barly getting by as it is and simply dont have any cash to spare this company.

Hi, My main aim here is default removal on the basis I believe the default date is incorrect. I sent a recorded letter to Lowell (who took on a debt of mine from capital one). I requested a copy of the default as I do not believe the date of the default is as shown on my credit file as I have no record of receiving a default on that date in my records. In fact I have no record of the default at all, but if anything I think it would have been earlier than stated. I included a postal order for £1 for them to supply me with the original credit agreement and the original default. The date of the default in my credit file is July 2008. There are no entries on my credit file for this account prior to the default, it shows the whole of 2008 prior to the default as empty and nothing before that. I did settle the debt fully in Dec 2009 so the account is showing as settled on that date - as a side note I believe defaults should be recorded within 6 months of non payment, or if no payments have been made in a 6 month period, clearly this is not the case on my credit file. they have responded saying "Your comments have been noted but we would advise you that legally we do not have to provide you with a default notice from ourselves as you will have received the default notice from the original creditor at the time your account went in to default" They go on to say "With regards your request for a copy of your credit agreement in accordance with S77(1)/S78(1) of the consumer credit act 1974. As our account was repaid in full on the 13th of October 2011 (not sure why the mention this date as it shows being fully paid in 2009) we would advise you that S77 (3A) expressly states that we do not need to comply with your request where no sums of money are outstanding on the account. Please therefore find enclosed the £1 sent with your letter" Where do I stand on this, im not overly bothered about the credit agreement, but I need clarification on the default to ensure it was actually issued on the date noted in my credit file. Thanks

Hi Everyone I recently received a letter from a company called Advantis Credit Ltd claiming I owed a debt to Lowell who had purchased the debt from Redcats finance. I had no recollection of this debt however I know in my past I had ran up a large amount of debt with various companies. All my debts now however were statute barred as I know for sure there has been no CCJs, no contact and no payments in the last six years and my credit file is now clean and I am currently managing my debts well. Early in November I sent Advantis the statute barred letter confident that my debts were all statute barred. On November 22nd I received a letter from Advantis claiming that a payment of £15 had been made on the account on 30th October 2007. I know for a fact no such payment had been made by myself on that date or even in the last six years. On that same date I replied with a CCA request letter to them with the statutory fee and sent it by special delivery. The letter was received on the 23rd November 2012 the very next day and Advantis have responded to say they have received the letter and have passed it on to the original creditor. It is now the 10th January and I still have no response from the creditor in question. Please could someone advise me on what to do next as firstly they have not responded adequately in the statutory time period and they have made a false allegation that I made a payment of £15 to them in 2007. Help is much appreciated Pete

Hello all, I am new to this website to seek advice from you all regarding my default problem. In March 2012 I had a letter from Red/Lowell telling me to pay £150 for an old debt I had with Three Mobile back in 2010. I had then paid off the debt immediately online and that was it, I didn't receive anything else from them. Today I have checked my Experian account to find that there is a Default on there from Lowell which is shown as 'Satisfied'. I am now aware that I shouldnt have accepted the payment without asking the default to be removed in return but this would be too late. Now I would like to know what the best procedure is to getting this Default removed, IF I am able to as I didn't receive ANY letters whatsoever saying there will be a default placed on my credit report in Lowells name from them. I have noticed on some other threads people have sent a SAR request to Lowell along with a £10 postal order to retrieve all the information and if there is no default notice, get this removed by sending a default removal letter template due to them not even sending a letter of warning that it would be placed there or a letter stating it is in place. For me, I want to ensure that I hit this at the best possible angle without any mistakes so could someone kindly let me know the best possible steps to getting this removed as I dont want to mess this up. I may have hit the nail on the head with what I said I had already researched but I just want to be sure because some people send out CCA's first but I am just not sure at all Any help will be much appreciated. Thanks

I have received a letter from Lowell in the week chasing a debt for £8800 from an egg card that I know nothing about. I have never had an egg card. I googled Lowell and came across this site. Can anyone please give me any advice on what to do. I work away quite a lot and am worried about a ccj by default. Thanks for all help.

Hi any help would be welcome, i have a few debts and a few are with lowell but get others to collect i left all my debts at my prevous address, as could not afford them, wrong i know, but a few have followed me as i got a few quotes for insurances in past but dont know how they have obtained my new address, as first i have not fill in voting forms so they cant trace me through that, most debts will expire this year and letters if i have received i have put sender not here, another lie i know, but got one with no return address, a grey letter i iusually check online usually po boxes are debt or have orange lines across enevelope but double check, it was from bryan solictors, and gave deadline 7 days just before christmas, otherwise they take me to court, i read so where that it is last date when made payment or is date of default this was 04/2007 so should be off this time. i cant see if they do take me to court why they have left it to last minute, or do they have no chance, any help like i said will help do i jsut say never recieved any letters, and would court then see rest on my credit file as they are all of this year last one in june. lastly i have a judgement from northampton court 10/2007 could this come to light if bryan carter take me to court as read it is same court they use if thats true, but you see a lot on web and dont know what to take in also when does a judgement go off heard it 7 years not 6 like a default. anyway hope anybody can help me and what to do if worse happens thanks

Hi everyone. I hope someone can give me some advice. I had an Orange contract phone I ended up not paying as I was admitted to hospital with a very serious illness. it took me a year to recover and recently I looked at my credit file as I knew it was shot to pieces from all the payments I missed with everything. Orange had defaulted me. I contacted them and explained the situation and told them I am willing to pay as I know I owe the money. They removed the default straight away and then passed the account Lowell for collection in November 2012. I contacted Lowell straight away by email telling them I would pay the money in installments and I expect that no derogatory information would be placed on my credit file. i began paying the installments as arranged. I have not missed a payment. I looked at my credit file yesterday and have discovered that Lowell have placed another default on my credit file for this account. I want to ask if they are allowed to do this. 1) - place a default when Orange removed the 1st one. 2) - place a default if I have been paying them and not missed any payments Also I have noticed there are two different dates of the default on experian and equifax. Experian shows it as being defaulted from Dec 2012 and Equifax shows it as being defaulted (from Lowell) from early 2011 - the date Orange originally defaulted me. But equifax didnt even hold the account then... it was still owned by Orange until Nov 2012. Thanks to anyone that can help. Also - should I carry on paying the installments? If I have already been defaulted what more will lowell do?

Hi, I've recieved a notice from the land registry of an intended Bankruptcy from a debt that defaulted with the OC in 2005. Please help as I'm worried sick that I'm going to be made bankrupt. Anyone please!

Hello I am a newbie here and wonder if anyone can help. We have just recently returned from overseas, we moved in December 2006 and came back here in July 2012. We are now being harrassed by Debt Collection Agencies for old debts which seem to be exorbitant amounts of money. Are these debts now Statute Barred as we moved in the early part of December and made no further payments, we had intended to contact them but some of our personal papers went missing in transit and I had no contact details. We have not acknowledged any of these letters, my question is, should we ignore them and hope they go away or should we use one of the template letters here. They say they may send someone round to the property, we are only renting for 6 months and will probably go back abroad as we cannot get jobs here and receive no help from the benefit people either. We have no income whatsoever and have had to pay our rent up front. If we do send a letter are we admitting to the debt or is it better to send a letter rather than ignore the situation? Thanks for your help Sedonagirl

Hi all Have a default from my bad years due to drop off on the 29th yesterday, still isnt showing as gone off credit file but i assume Experian take around 2-3 days after and Equifax 1 month? Got a letter from Advantis saying their client Lowell passed the debt onto them and they will commence proceedings, send bailiffs etc etc in 7 days time I have the statute barred letter ready as definatly not acknowledged or paid aything in 6/7 years Of course I wont sign this letter and I'll send it recorded post and keep copy and tracking, but can they still push for CCJ ? I guess im just concerned what if they still carry on pursuing me for this is there a follow up letter after statute barred letter or once i send them that I should just leave it and if there is a CCJ or further default put on then I can win easily? Thankyou for any help , been reading forum for ages and i know there are a lot of good people on here and really helps reading the forums and learning never to get into this situation again.

LOWELL PORTFOLIO 1 LTD UNRECORDED ENQUIRY appears on my credit report 29 times this year??? (3 with the name of applicant being my former partner who i split from 3 years ago) is this normal?

Hi, I haven't been on here for a while, been trying to sort my huge debts after reading the advice given here. Would really appreciate some help now! I have three catalogue debts which I started in 2008 so online signature acceptable I've heard. I've been ignoring the letters for months now, but finally decided to make an offer of payment to Lowell for two of the debts. I sent a letter offering £1 per week and asking for their account details so I could set up a standing order if agreed. They have written back accepting the offer and enclosing a standing order mandate for me to complete and return. I know I don't need to do this, I can just set up my own standing order, so what do I do next? Do I just set up my on SO and make the payments and write to tell them I have done this? Also, the third debt, I sent the CCA to, has replied by sending me a statement from the orignal catalogue? That isn't the credit agreement - is it? I have been writing to an S Parcs if that name rings a bell with anyone? I would quite happily ignore the debts forever if I could, but have heard that Lowell have been making people bankrupt without thier knowledge! I don't have any assets to speak of, I don't own my own house, so they wouldnt get the debt back by bankrupting me. Would they really do it? Any advice would be greatly appreciated!

Hello all, I was pointed this way by a few concerned friends when I showed them a letter I had received yesterday from Hamptons Legal, (on the back it said it was from Lowell) regarding a debt from a catalog (Littlewoods-Shop Direct) totalling £600+ from about a year or so ago. Now at that time I was in Scotland, but due to domestic issues with my partner we split and I moved back down to my family in Hampshire around the start of April this year. In the madness which ensued, and the fact my partner was paying this off (He stopped since and failed to inform me) I thought all this had been resolved. I acknowledge I owe this money, since it is in my name, so upon receipt of this letter which threatened the usual (bailiffs, CCJ etc) I called Lowells and tried to explain and make a workable payment plan. The woman who answered was rude, aggressive and kept talking over me, demanding I set up a direct debit immediately to clear the debt, not listening when I tried to explain that I am alone and on Income support with 2 young children to support, and that paying £600 in one go just wasn't a possibility. I tried to explain if she would be willing to send me payment slips, I would pay them £50 a month until the account was settled. "We don't do that anymore, so I want your bank account details so I can set up a Direct debit" was all I got in response. I explained again that I wasn't going to give her my bank account details over the phone. When she ignored me again after I re-explained my situation to her and that I don't have that much money to pay in one go, things got a little heated when she demanded my bank account details for the 4th or 5th time and I ended up throwing a few choice words her way and hung up. Since then I have had nothing but bothersome phone-calls demanding I pay up via direct debit immediately, or they will send the bailiffs out to my grandmothers house (which is where I am currently living) to "recover the debt". I am more than willing to pay the amount owing, but I cant afford to do it in the lump sum they want me to via direct debit and i have a sneaking suspicion that had I given them my bank account details, I'd have had a very angry phone-call from my bank this morning. Any help or advice would be greatly received right now, because I'm frazzled and have no idea what to do now. Lise x

Can someone please help. I have received a letter this morning from Lowell Financial, claiming I owe £165.83 for a debt to HSBC. I haven't had an account with HSBC since it closed it 2000, so 12 years ago! The letter states they have been examining my credit file and it tells them what other accounts I have and the amounts i pay to them, and the address i am at. i dont even know what this debt is for? any advice??

A few years ago I had an issue with an O2 contract, cancelling the contract over the phone I was told I would have no other payments to be made and clerified with them before ending the call. Behold a few months, after I am receiving a charge of £40, money I could have paid instantly but refused to for the only reason being I was immature and didn't want to pay after cancelling when they told me I wouldn't have to pay anything else. The debt was passed on to lowell and for roughly 8 months they continued to send me absurd mail, at times even offering me the option of halving the debt after claims of turning up at my house. I knew this was a load of nonsense but it adventually paid off as I got so bored of receiving mail from them I just paid the full 40 to end frustration. A resulting cost is my credit rating has suffered drastically resulting to a silly £40 as I have an account now listed as defaulted? I am awful at sorting stuff like this and just want to know what I can do to sort this issue. Ideally I could have paid the £40 straight away as it is such a small amount and not worth years of bad credit, but it was principal I refused to part with the money..