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I was recommended here from posting/reading on MSE, thanks in advance for taking the time to read/comment. I've received a letter today (dated and postmarked 3.2.14) from them stating they have been instructed by Fredrickson International Ltd on behalf of Lowell Financial Limited to issue court proceedings on the 17th Feb. I don't want to panic but the words court and CCJ have got me flustered. I've noticed Lowell placed a default on my credit file which is in it's 5th year (default date Sep 2008) and they've got my month of birth incorrect, along with a linked address I've never heard of. It's marked up as 'account type: communications' and I believe relates to a phone contract. I'm aware of a relationship I had with a phone company that went sour over an upgrade and led to me stopping paying them yet I've never acknowledged the DCA's. The alleged debt is £900. Any help or advice on what my next steps should be/what to send would be greatly appreciated -
Hi all, Just received some county court papers from Northampton CC filed by Bryan Carter about a debt Lowells bought from a 3 year old HBOS credit card. I used the cag forums a few years ago to get a claim from BC thrown out of court due to lack of proof of the debt but my memory isn't as good as it used to be and I wanted to double check to see what i should be doing. First thing I plan on doing is sending a CPR 31 request to Brian and secondly acknowledging through MCOL whilst I work on a defence. Is there another letter I should be sending out to either BC or Lol's in the meantime? Kind Regards
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Good afternoon all We have periodically received letters chasing a £1084.24 debt for Lloyd's tsb. The debt was either an overdraft or credit card and is appx 8/9 years old. Latest letters from Lowell's and Hamptons which threatens to pass to Fredrickson international Ltd who will apply charging order, warrant of execution etc. What should I do? Also we had failed IVA with debt free direct appx 7 years ago and other than annual statements from one creditor, Tesco we have heard nothing. We owed around 5 creditors appx 40,000. Should I worry? I think about it every day. Finally in process of selling house where we will have small amount of equity(30,000) Will this be affected? I guess no chance of a mortgage? We have no further debt, loans etc for 8 years. Help please:smile: -
Hi all. My wife has today received the following CCJ- It is from a Marshall Ward catalogue account. I lost my job due to ill health, my wife lost hers due to the recession. I am now self employed, but only earning a small amount. My wife is looking after our 2 young children and so is unemployed. We have just checked her credit report. It is listed as Lowell Portfolio and says- Account type: Mail order Started: 19/06/2009 Current Balance: £693 Default Date: 22/11/2010 Default Balance: £486 I think the last payment was maybe 3 - 6 months before the default date. I'm not sure why the current balance (the amount being claimed for plus interest and costs) is higher than the default balance. Surely they cannot charge interest on interest or charges. Due to out financial situation, my wife also has 4 other Lowell accounts from the same time. 4 of these are for different overdrafts all from Barclays. 1 is for £1175, the other 3 are joint accounts totalling about £1100). The 4th Lowel is for a Barclaycard for £4300, also listed under Barclaycard as settled and assigned to CAIS member. I myself have a 4k and 2k loan, £200 (with about another £200 charges) CapitalOne card, and the above overdrafts all defaulted and with debt collectors. We aggressively receive debt collectors letters and phone calls almost daily (mostly from Lowel and their pretend companies). But this is the first time any court action has been taken. We wrote to all the companies showing our I&E and offering a token payment, which was refused, we have ignore all correspondence since. However, this catalogue defaulted 6 months or so after all the others, and we never even wrote. We just stopped paying. We once had a doorstep collector turn up, but I lied and said she didn't live here. We have since moved. We currently each have an active Vanquis credit card with about £3000 combined, never missed a payment. I handle (obviously badly) our finances, my wife doesn't really know anything about how it all works, and cannot being to comprehend representing herself in court. I,m not sure what to do for the best. We are in private rented accommodation, but are awaiting council rehousing as we are struggling. An I&E leaves us about £60 a month short, and that's without including any clothes, luxuries, holidays etc. We have a mobility car and no assets or savings. The Vanquis cards will probably last another month or two before we are forced to default on them. First and foremost I would like some sort of statement from Marshall Ward to explain how they have got to this figure as it seems too high. How do I go about this? Do I contact them, Lowell, Bryan Carter or the court? Also is bankruptcy an option here? Is it too late now the CCJ has been issued? Sorry for all the questions and information. I hope I've been able to give a clear picture. We are against a brick wall now and don't know what to do. Any help would be massively appreciated. Thank you -
I have a debt with Vanquis which I could no longer afford to meet the minimum payments due to overtime being cut at work so have less money coming in. Debt has been passed to Mackenzie Hall and they phoned me last week. I offered to pay £20 a month by standing order starting 1st Oct, they accepted and they gave me their bank account number and sort code to make the payments to. Fast forward to today and I receive an email from Lowell Group regarding the same debt demanding full payment now or to contact them to arrange a payment plan. Did I not just arrange a payment plan with Mackenzie Hall last week? Are they the same company? I don't want to make payments to one company and have another company chasing me saying I haven't paid.
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Hi, Just received letters and county court claimform from Lovell Financial / Bryan Carter / Northampton Court all in one go. All mail was sent to a previous property (which I still own) but unfortunately don't live there anymore. Mail is currently being held by local sorting office. Usually collect mail every 4 - 6 weeks. On last collection there were letters from Frederickson International dated 17 Mar 2014 on behalf of Lowell Financial, one from Bryan Carter dated 27 March 2014, one from Lowell Financial dated 28 March 2014 plus a court summons dated 14 April 2014. they are saying they purchased a debt from HBOS in July 2013 and unless I responded to initial letter they were going to take me to court. I am sure it relates to an old account which incurred a lot of overdraft charges and interest and subsequently spiralled out of control. Not sure of the date they registered as defaulted (Aware of Statute Barred rule). Really need advice on what initially to do with county court summons. I don't want a CCJ against my property, only now starting to get back on my feet. As the summons has gone to an address I don't live at and am formally registered elsewhere, how do I notify the court without letting on my new address. What will happen if its sent back NO LONGER AT THIS ADDRESS. Will Bryan Carter continue if they know I still own the property? Should I respond to the first letter saying I've only just received it? Help!!!!! Limited time to do anything. Many thanks for any advice. -
I have a mobile phone debt from nearly 6 years ago which has reared it's ugly head again. I took out out the contract but never actually used the sim (still have it here completely wrapped up), but forgot to cancel within the correct time so got charged. received a letter from Bryan Carter this morning about starting litigation in the next 48 hours on behalf of Lowell. I have dealt with them before over an old catalogue debt they took me to court for, but with the help of people on here I managed to get Carter to stop the claim. This was because I had never signed a credit agreement. Unfortunately, not sure it's that simple with a mobile phone debt? -
Hi, I've just received a Northampton Court Claim Form for a debt owed to Lowells/Bryan Carter. This debt is about 7 years old - in fact I'm not sure who the original credit agreement was with. I set up nominal payment agreements with all my creditors about 5-6 years ago, which I am still paying (£1 a month). However lowells arent on the list, and they bought the debt off another DCA on 28.06.13. I assumed that if they bought the debt, then they also bought the payment arrangement by default. I have consistently thrown away all DCA correspondence unopened, assuming my payment arrangements were in place and sufficient to avoid court proceedings. Putting aside the questionable wisdom and maturity of my behaviour in dealing with this, does anyone have any advice on how to proceed I can't pay the amount owed and I'm hoping I can somehow contest this on a technicality, and not admit to the debt. Or to argue that I'm still sticking to the original payment arrangement, and it's not my fault if they're not receiving it. I've looked at the threads on here with the legalese and templates and stuff, but I can't make head nor tail of it all! If anyone has any idiot proof advice for dummies I'd be hugely grateful. -
Hi Guys I have the bullies in the title on my back! When I was approx 18, in 2004 I had a Capital One credit card. I maxed the card out to the small limit - £200 and stupidly didn't pay. I have had letters from Lowell over the years saying I now owe £522 with charges but I ignored them. Approx 1 -2 months ago I received letters from Court saying Bryan Carter are filing a CCJ against me. Using templates online I have sent them a recorded letter requesting the original Credit agreement, details of payments and breakdown of how the figure is £522, although i'm certain it is statute barred now. Bryan Carter have responded saying due to the length of time it is an unreasonable request and they will not be providing me with the documents but they will be proceeding and to seek legal advice! The Court have also sent me a letter saying I should seek mediation. Tomorrow i'm going to send a statute barred letter recorded post. Is this the best way to proceed? Shall I send the same to the Court? I literally can not believe they have the cheek to say my request is unreasonable due to the length of time passed... I have checked my credit file and there is no mention of the debt on there which I presume is because it was so long ago? Shall I also respond to the courts letter of mediation so I can discuss it with them and say it now statute barred?
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I've got myself into a bit of a mess and would like some advice please. A number of years ago I started a DMP with stepchange (before they were stepchange, I can't remember what the name was. Cccs?) due to my own failings after paying it for a few years I'd changed bank accounts, and completely overlooked it. As my other contact details had all changed they couldn't get into contact with me, and I thought I was still paying it. Stupidly, I then acrued another two debts after a disastrous relationship, one being with capital one. I realised I wasn't paying into my DMP, and restarted it, adding the new debts to it. I have continued paying it, sent new letters to all creditors. Capital one passed the debt to Fredricksons who sent me daily letters saying I must phone them or log into their site. I tried registering on it but it just told me to phone them! I posted them a letter saying I am on a DMP as capital one were aware, so I've now got a letter from Bryan carter saying they are acting on behalf of Fredricksons, my capital one debt is going to increase by a third iftheytake me to court etc. What do I do? I have been offered a small sum of money to try and do a f&f, but it's not the amount they want and as it's a reasonably recent debt I'm assuming they'd decline. I wouldn't be able to attend court if it got that far as I work full time and I would be unable to have time off, so I'm keen not to let it get to that. Who owns my debt now, and what is best for me to do? I'm assuming continue as stepchange advise and just keep sending them DMP letters but I really don't want bailiffs or court. I know it's my own fault, I completely accept that, and I've changed everything in my life so that I won't even consider borrowing again. -
Hi Guys, I hope your well. I had a mobile phone contract with Vodafone back in 2011 and made regular payments on time never having any issues. Towards the end of the sim only contract Vodafone were contacting me to try and encourage me to upgrade to a new contract along with taking a handset as part of a new contract. I refused to this but when sales rep was discussing my options he said I had never used more than 300 minutes in a month. However maybe a month later I received a bill from Vodafone saying I had exceed my allowances of minutes and I owed them something like £150. I was immediately suspicious of this as had never used anywhere near my allowance of minutes in a month and the vodafone service where you can check your minutes had stated I will still within my allowance. I contacted Vodafone and disputed the charges and asked for an itemized bill listing all of the numbers I was alleged to have rang so I could I could check the charges were valid. I never received any response to my requests and as the contract was due to terminate anyway I took out a contract with another provider and never had any further correspondence from Vodafone. That was till yesterday when I received a letter from Bryan Carter Solicitors on behalf of Fredricksons stating that unless I pay them £202.00 prior to the 09/04/14 they are going to issue court proceedings for an amount of money I don't believe I owe and have never had any sort of bill for. I have also checked my credit file and it shows a default on there from a company called Lowell who have performed numerous unlawful searches on my credit file as well as registering a default in 2013 although the alleged debt related to 2011. I am unsure as to how to deal with this threat from a company I have never heard of and debt I have never had any notification of. I believe there is some kind of prove it letter I can send to Bryan Carter asking them to provide any supporting documentation to go along with any claim they are trying to bring against me. I appreciate the amount of money owed is only small but I have always disputed the charges and never had any bill. I was also completely unaware my credit file was being accessed by a company (lowell portfolio) who I have never had any dealings with. If there any template letters I can send to Bryan Cater solicitors I would very much appreciate it. Any help and advice would be greatly appreciated as I only have till 09/04/14 to decide how I am going to deal with this issue. Thanking you in advance Chris
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Can any one offer any advice RE statutory demand which has been put through my letter box, it is for a credit card debt 3500 , i last made a payment on this card in december 2006. i failed to make payments after that date, i do not know what to do now . any advice would be greatly apreciated.
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First off I want to apologize in advance if my question seems stupid but I think it is worth asking, at the very least, it may help someone in the same boat at a later date. I will try keep this as brief as possible. I received a CCJ for an old 02 debt for £160 claimed by Lowell under the law of property act 1925. I had no knowledge of this debt and completely panicked when the County court bailiff turned up. Through a bit of research I made an attempt to contact 02 the original creditor and on first attempt, they claimed to have nothing on file and therefore couldn't tell me anything in regards to it. I felt uneasy and called back for confirmation and on the second attempt the lady was extremely helpful and pulled more information such as the bank account used which was a now closed account and even managed to tell me the type of handset it was and that's when it clicked. It was my debt and the reason I had stopped paying it was because the phone had malfunctioned and become unusable. I sent the phone back to the provider to be looked at and received a letter telling me that the phone had been submerged in water OMG, I was totally mortified as I knew it had not but couldn't prove it as their report said different and for obvious reasons I stopped paying. Apart from that I don't remember much as it was years ago about 4-5 years ago but definitely not stat barred. Now here comes the possibly awkward bit, the debt now stands at £500 with court fees and the inclusion of interest granted to claimant by the courts and in sheer panic I have submitted a variation order which they will receive any day now all because I wanted to stop any further action from bailiffs. The thing is, because the phone was unusable and I had every reason to discontinue paying them, it is now costing me £500 at a time when my financial situation is at rock bottom due to my partners contract hours being cut and having a baby at home I can't just fix my current situation by doing any job I can find. Can I withdraw my variation order and swap it for a set aside as I had no knowledge of my rights and may have had a possible defence? I will also add that as far as I'm aware, I have never received a notice of assignment and was not even aware that this had gone to court in the first place and I also do not have a breakdown of cost for the original debt so don't even know if the original debt is correct. Again, sorry if my question seems silly but I needed to ask for what it's worth. Thank you -
Dear all, I have just recieved a claim from Northampton County Court from Bryan Carter solicitors. The claimant is Pheonix Recoveries. It is relating to a £9k loan which I took out from Lloyds TSB. I had an arrangement to pay Bryan Carter 100 pounds per month but due to financial issues I couldnt keep up with the payments. 1 Day after recieving the claim form I recieved a letter from Bryan Carter saying that they have now issued litigation proceedings. I havent contacted Bryan Carter yet or filled anything in on the claim form. I am just looking for some advice as I dont want a CCj going on my file! Is there anything I can do to prevent the case going to court? ANy advice would be greatly appreciated. Thanks Matt -
Need help and advice please. Rec'd letter dated 06Frb14 - Bryan Carter claiming issued litigation proceedings with breakdown. Issue Dtae of Claim form 07 Feb 2014 - Overall figures match but breakdown of costs different eg court fee etc Tues 18th Feb - sent email (all attached) asking for credit agreement. Could you help me pleaseeeeee
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Hi everyone, I am new to the forum so apologies if I have posted a thread in the wrong section, I am just seeking help with a debt problem as are many others. I received a letter before action letter from BC stating that they were acting on behalf of Fredrickson International/Lowell and if that I did not pay debt in full legal action would be instigated against me on 7/4/14. Unfortunately, I am suffer from anxiety/social phobia illness and now receive ESA and live in rented accommodation. I fell into debt problems in 2008/2009. I think the original debt relates to a credit card with Barclaycard and am unsure as to when payments stopped but would have been either late 2008 or early 2009. Due to my illnesses I have "stuck my head in the sand" regarding my debt arrears but receiving a letter threatening court action has meant that my anxiety levels have now gone through the roof. As I need proof of the debt and more details and being unsure as to whom exactly I should write to in order to do this I decided today to write to Bryan Carter as he is the organisation threatening the court action. I printed off a "proof of debt" type letter stating that I did not acknowledge the debt and requesting details after using a template from this informative and helpful site. Inside the same envelope I also printed off a CCA request letter addressed to BC and enclosed a postal order for £1 stating it should be used for purposes of providing CCA only but I forgot to state that I did not acknowledge the debt on this letter but am hoping that my proof of debt letter also enclosed will cover me as I clearly stated this in the body of this letter. I asked someone to kindly post this recorded delivery today ( I am agoraphobic and have not left my home for over 4 years). Can someone kindly confirm that this is the correct initial response to the BC letter? Do you think it is likely that the threat of legal action may be halted on 7/4/14 when they receive my letters tomorrow? Many thanks.
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Hi there, I have had a quick look on this forum and see that others are having similar issues as me but I really want some personal advice to my situation. So thank you to anyone who replies (also, it may be worth noting I am a complete novice when it comes to debt management) So I have received the below letter from Bryan Carter Solicitors and I am very concerned. The letter was sent to my parents house where I haven't lived for a few years now and I have only recently began seeing my parents again so have received no other communication that this which my parents gave me yesterday. Dear Miss xxxxx Our client: Lowell Financial Limited Account no: xxxxxxxxxx Our ref: xxxxxxxx Balance: £1286.59 We have been instructed by Fredrickson International Limited on behalf of Lowell Financial Limited to issue court proceedings on 09 Apr 2014 if payment of this debt is not received by us on this date. If proceedings are issued, solicitors costs, court fees and interest will be added to the amount that you owe and will be enforced against you if a Judgement is subsequently obtained. You must contact us on 0845 0349918 before 09 Apr 2014 to make payment if you wish to avoid the matter going to court. Please see the reverse of this letter for full details of the different types of payment methods we accept. You can also manage your account online at xxxxxxx If you dispute liability for this debt please provide your reasons in writing and supply us with all documents in support of any defence you may have, A Judgement Order (CCJ) will remain on the Register of Judgement debts for a period of 6 years and may affect your ability to obtain credit in the future. This matter has now reached a stage where you may want to obtain legal advice. Yours Sincerely xxxx Firstly I am not sure what this is for - I have sent no letters to Bryan Carter Solicitors or Lowells as I havent received any previous letters. I do have a couple of outstanding debts, one with Capital One and one with Orange, I think this may be for Capital One but I have no letters from them either. What I want to know is - where do I start, I think I need to send a CCA?(?) but is there time for this since they are going to start court proceedings in 9 days! I am very scared at the moment couple with the fact I am in early pregnancy and extremely emotional and all over the place at the moment. Please could someone advise me what to do next to rectify this. I would be happy to pay the debt but can't afford to pay it all at once. But also someone told me that since I did not take out the agreement with Lowells then they do not have a leg to stand on. I am so confused. I have looked in to going to my local CAB office, but the appointments are in the mornings 3 x days a week and I have work. You also need to complete a triage form and wait for them to contact you within 3 days if they are going to give you appointment, time is not a thing I have in this case! Grateful for any advice, and please, do treat me like the complete novice I am. Kind Regards, Jade -
Hi All...new here..but seems like the place to be right now... went through a period of illness got into debt. .in hostels etc for a period of years and now got my life back - however after not being a position whatsoever for the last eight years to look at debt stuff it would seem they follow me everywhere and truth be told I have no idea about half of them! Got a letter from Bryan Carter solicitors saying they have been instructed by Fredrickson on behalf of lowell financial to issue court proceedings withing the next eight days (27th march).. .they are saying to 'if you dispute liability for this debt please provide your reasons in writing and supply us with documents in support of any defence you may have...' They do not state what the amount relates to...£2K. ..but fredricksons have said it was lloyds (may be co-op) in a previous letter - due to the nature of my illness I cannot honestly remember what the heck the debt was for whether I had an account with either lloyds or co-op. ..so my question is what do I do now? Iam now in a position to turn my life around and deal with these things.. .should I just ring them up as they ask or write to them? I have seen a few examples of letters to write but not sure if ringing would be easier... Your help would be hugely appreciated!!
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Hi All, I have received a court claim form with issue date 25th Feb 2014. This relates to a pretty ancient phone bill which I believe should be statute barred. The amount is not massive so if it really came down to it then I can pay this back. However, I do intend to contest this but don't want a CCJ against my credit file. Should I instead just settle right now? Any advise on the defence and template suggestions will be really appreciated. I have to acknowledge and reply to the court within the next couple of days. I understand that I have left this a bit late. Many Thanks, P.S. I have not sent out a request to Bryan Carter for the original credit agreement to prove the age of the debt. Do you think I should do this right now? -
Hi can anyone advise my next step please. Had a letter from Bryan carter solicitors saying they were acting for Lowwel financial limited for an outstanding debt I sent Bryan carter a cca last week, I had a reply from them and they sent the cca and postal order back saying I must send the cca and request it direct to Lowell financial? Is this correct do I need to resend this or are they playing games? Thanks mw
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Hi everyone, Ive spent a fair amount if time looking through the site to try and find something to help me deal with this on my own but I became concerned that I may send the wrong letter and end up in a lot of trouble so thought it best to start a thread with my own individual case. Anyway, back in January 2008 a default was placed on my credit file by Lowell portfolio regarding a capital one debt. Since then I have matured financially and now I do not have any debts and my credit file is nice and clean, the default "fell off" in January this year due to it becoming statute barred, but I have now received a letter from Bryan Carter LLP Solicitors stating that they WILL issue court proceedings on 08/04/14 if the debt is not cleared. Can they do this? Do I need to send a letter stating that the debt is statute barred and therefore unenforceable? I'm quite concerned now as I am a homeowner and do not want this to affect my home. I have never acknowledged any debt with lowell or fredrickson international ( I have ignored them all to be honest as I knew it was due to become statute barred when they began chasing). Can anyone help please, with either a template, or do I just ignore them as I am starting to get quite anxious! Thanks in advance
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Hello helpfull people. My partner has had a court letter from Bryan Carter on behalf of Lowell Financial. I really don't know where to start. It was from an old Orange contract not sure when from. Thing is shes still an orange monthly contract payer so not sure how this works. She now owes them £224.76 with court and solicitors fees. Just need the next steps to take. Thanks in advance -
Hello, I'm new and I have often stalked these really helpful threads for advice over the years, however I can't quite get the answer I need in searching. I am grateful for any help received in advance. I received a letter from Bryan Carter on Friday and also N1 forms on Saturday chasing for an old welcome finance debt. The debt was originally taken out in 2007 and was for 4 years, I made payment for 2 years and then was made redundant - I buried my head and 'forgot' about it. In 2009 I know Welcome went into administration, but I never heard from them again until August 2012, when I received a letter saying the debt was 'satisfied' - no obviously I didn't save this letter because I'm stupid. But now this is the first letter I have had and it's with court forms. Also it only lists me on the court form, but this was a joint application. I am loathe to just stump up this money when I thought this debt was gone. Also on my credit file, it shows a blue s as satisfied from August 2012. I am wondering if I should put in a CCA request, or considering I have now got the N1 forms, whether I have a defence at all or I just have to pay to stop the CCJ? I'm sorry if this made no sense at all. TIA x -
,i had a letter can i get any help with this, im really worried about it, keep getting upset about, be grateful for any help possible
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I received a letter from Bryan Carter stating court proceedings will be issued on the 10th March 2014 - Obviously panicked but luckily found this site. I have looked up my credit report and Noodle shows a default notice for 17 April 2008 - this I believe is wrong as im sure i ceased payments (personal reasons etc) before this. However, Equifax shows no default notice - how can one credit report show one thing and another something else? Very confusing. Which one is correct? This would mean (i think) its Statute barred and thanks to this site have downloaded template and will post recorded delivery monday. Any advice re: credit report differences much appreciated Also according to the default notice date on Noodle ive around a month before its been a debt for 6 years - should i still send the SB letter? Thanks
