Hi , please help in 2011 around july Vodafone charged me £95 on my bill which l disputed as my contract was about 25£ a month , they told me l went over the limit which l still disagreed as l knew it wouldn't have been that much , they then disconnected my phone , which l then contacted them to end my contract if they didn't seem to have any solution about my bill , After four months l then got a letter from Vodafone saying they have disconnected my phone and l owed a £441 bill still l contacted them wondering how my bill had gone from £95 to £441, they told me it was monthly charges , and cancelation fee , which l did not understand how this went up to £441 unless assuming there were still charging me for a phone which was disconnected even though l had told them to cancel it if they did not seem to have a solution for my bill therefore they put a default on me in May last year Beginning of this year l received a letters from Lowell buying my vodafone bill which l have ignored because l though t it must have been fraud, today l have received a letter from fredrickson stating they have been authorised by Lowell to secure repayment debt, and that l should contact them as soon as possible to discuss this matter , if lm unable to come to an agreement with them on behalf of their client, they intend to instruct Bryan Carter Solicitors LLP to take legal action against me to recover the debt they state if proceedings are issued additional charges will be claimed which will increase the existing balance that is ; an extra £30 court fees and Solicitor cost £50 which in total it will be £521.86 please help ; l have no idea what to do now Hoping l wont get another default with these people : thanx

Hi and thanks ahead to anyone who can take the time to advise me. Firstly im not even sure how to use this but im hoping someone can direct me in the right direction. I recieved a letter from Bryan Carter a few days ago telling me that they have applied to the court to issue me for a outstanding balance with jd williams, but on behalf of Lowell Finacial. Myself and husband struggled a few years ago and did have a few accounts but to be honest this one does not ring a bell and definetly not for £1365 as they are stating we owe. Iv never had a credit limit over 250. After reading many posts on hear i decided to wait for the arrival of the ccc and sure it arrived today . I acknowledged the claim on line and said that i am defending the whole thing. ( sorry not good with the correct terminology).or spelling lol . Anyway i have copied out the cpr letter and intend to send it asap recorded del in the morning. My questions are what is the next step . I have no correspondance from this account and cant even recall it , and on the cc papers it states this:- THE CLAIM IS FOR 1365.88 THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS. THIS DEBT WAS ASSIGNED TO / PURCHASED BY LOWELL PORTFOLIO LTD ON 20/12/12 AND NOTICE SERVED PURSAUANT TO THE LAW OF PROPERTY ACT 1925 , PARTICULARS JDWILLIAMS , THE CLAIMANT ALSO CLAIMS INTEREST PURSUANT TO S69 COUNTY COURT ACT 1984 FROM 20/12/2012 TO DATE AT 8% PER ANNUM AMOUNTING TO 87.89. Any advice will be gratly recieved. I also would like to add i am a person who never signs agreements so i know this definetly would be the case. They wont have a signiture off me . kind reguards

Hope someone can help, i have had an ongoing debt with 02 for a couple of years, the original debt started out £51 but i refused to pay it as i believed that it was a fault on there part, over time the debt got passed to bryan carter, and at some point without me know he managed to get a ccj against me with northampton court, (i have checked this on experian). This morning i have had a letter from bryan carter telling me that there is a warrant of execution and that bailiffs will be visiting my house, the judgement balance is now at£378. i was wondering what i should do about this should i pay it off? can i haggle with bryan carter to half the debt? Any help would be appreciated. Thankyou

Hi there, I hope someone can help me. being Newbie I am stuck Yesterday I received 2 letters from Bryan Carter solicitors. One Letter and the Other Court forms I have a debt with Lowell who bought the debt from shop direct/LX I defaulted in 2010, and due to having breakdown and being out of work I simply couldn't cope at the time. ( to tell you the truth its all a bit of a blur) I am now getting myself up on my feet and this lands on my doorstep. I don't know what to do? ! I really don't want this to end up as a CCJ... as trying to sort myself out and hoping for a mortgage next year. do I admit to it? can I try to ask for a settlement figure? do I ask for extra time as most of the Debt is due to Charges on the original account with the cataloge company So I can claim them back? who do I contact the solictors? court or Lowell? Sorry for all the Questions but I am in meltdown over this.

Hi all, Got a letter from Bryan Carter this morning, dated 29/08/13 informing me that as I had not paid the monies owed to Lowell financial, they have issued litigation proceedings in the county court . I will receive the claim forms in the next 48 hours. What does this mean? Have no idea what this debt is for and not had any previous communication Any ideas? Thanks

As some of you are aware I have been in the process of dealing with some of my debts. Largely due to a misspent youth. I am now trying to deal with each of these debts. I have 5 CCJ’s in total of which I have settled 2 in full. (therefore I have not listed these debts) Please see below the information that the court has supplied me with in relation to these debts:- Claim Number: ****901 Claimant: EGG PLC Claimant’s solicitor: BRYAN CARTER SOLICITORS LLP Telephone: 08453133125 Reference: EGG/***2256 Amount £297 Date of Judgement 14/06/2007 Claim Number: ****4448 Claimant: ARROW GLOBAL GUERNSEY LIMITED Claimant’s Solicitor: BRYAN CARTER SOLICITORS LLP Telephone: 08453133125 Reference: EGG/0***5372 Date Of Judgement 24/07/2007 Amount £2287 Claim Number: ****74451 Claimant: ARROW GLOBAL GUERNSEY LIMITED Claimant’s Solicitor: BRYAN CARTER SOLICITORS LLP Telephone: 08453133125 Reference: EGG/***2256 Date of Judgement 19/12/2008. Amount £1794 I phoned Brian carter regarding the two judgements that I had received for claims ending 901 & 4449 in October and made two separate £50.00 payments via direct debit from October 2007 monthly until May 08 when the direct debit was returned and I buried my head in the sand. Because the original claim ending 901 was only for part of the debt £297 by my reckoning I’ve paid more than was due because BC split the debt? Also it appears Egg then sold the debt to Arrow Global who then issued a Separate CCJ for the whole debt again through Brian Carter. One further piece of information as that both these debts have subsequently been sold by Arrow to Lowell Financial who have closed their files because Egg could not comply with my CCA Request. What should my next course of action be? As always I’m very grateful to you all for your help. I’m not as concerned about case ending 4448 because it should ‘Drop off in a couple of months) Thanks again. Kev

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Hi all I am new to this so please bear with me. Other than this case I am in good finacial standing with no debt or credit issues. I have been sent court summons from Northhampton CCBC from Lowell Portfolio ltd fronted by Bryan Carter "Solicitors" The summons came on 29th October I have roughly under 14 days to respond. I am in the process of writing to Bryan with a CPR 31.14 but I understand I have to respond to the Court first? Also I am out of the country till January so this is a royal pain in the posterior so to speak. Any advice will be gratfully carried out. As background I payed my 02 contract fully every month and at the at the allotted time[12 months] I asked to cancel the contract . They agreed. They then took out 160 pounds without asking as a cancellation fee. This wound me up and I rang to get my money back. After a while they returned it. Twice.... They realised mistake later but I had moved and didnt know about it. This brings me to present day with me getting debt letters from moorcroft then lowell. Now court. They are taking me to court on the agreement of providing finance,goods or services . I had payed contract fully with out debt up to this point. This is somthing I have ignored rather then dealt with. Bryan is claiming 39 pounds interest and a 50 pound fee which brings it to 270 pounds. Please advise ps the contract was in 2010.

Hi there, I'm very new to this and I'm probs a little late with things... I have an old debt with Orange. Long story short, I've received a letter from Bryan Carter acting for Lowells. They have now issued me with a Claim Form. At first I was a little confused because the debt that I have with orange, I've been paying a totally different debt agency. But looking further in to this, I must have two separate contracts. I can't get a CCJ because I won't get a job that I'm applying for in the new year. So, I rang Bryan Carter up and said is there anything we can do to stop this CCJ. I was told that I could either pay it in full, which I can't afford [£480]. I could return the admision form back to the Court and offer what I could afford, but would have the CCJ against me [which I can't get the job I want]. I could arrange to pay the debt off in three months, but then they said that I could pay it off in six months if I agree to £80 a month, which I have done today. However, I have now since been reading many threads on here where people are stating that Bryan Carter don't always have the correct paperwork if I defend the claim. I was wanting to know how I find out if the orange contract is mine or not. Saying that, I think I've left this too late in the day because in the morning I've to ring up with my first payment of £80 and I've given them my bank details to set up the direct debit for the second payment to come out of my account in January. Looking forward to hearing from you all

Hi, Particular of Claim: The claim is for £1665.21 . The amount is due under an agreement between the original creditor and the defendant to provide finance. This debt was assigned / purchased by Lowell on 21/08/12. and noticed served. Th claimant also claims 8%. The issue date is : 15 Nov. I have acknowledged the form and intend to defend this. Please help with the next steps. Many thanks.

Hi everyone hope I can get the right help and advice, received these 2 letters through the post today, I checked on my credit report on Experian and the default date was on 18/01/2008 with LOWELL PORTFOLIO I LTD, however I haven't acknowledged this debt since then and I have only just been getting my credit score back to scratch - the last thing I need is a ccj on my file for another 6 years! is there anyway I can fight the case? or maybe request the original credit agreement with Lowell? and what to do with bryan carter? I don't even know where to start in regards to the 'claim' and 'response' forms from Northampton county court, if anyone can help any advice/help is greatly appreciated

Please help. I have been receiving letters for some time from Lowell and then Bryan Carter about a debt I know nothing about. The account number means nothing to me and the debt is for about £1000. I have just ignored them tbh as I just assumed they'd sent them round to everyone of the same name etc to try and fish out the persoin they want. Today I have had a letter from Bryan Carter Solicitors to say that they have issued litigation proceedings and that I should expect to hear from the court in the next 48 hrs. Can they do this of they re not sure of who they are looking for? Have been racking my brains and all I can think of is a catalogue which my exH bought something from which was in my name.. ...he paid the installments and I haven't had anything to say this was not continued. That was about 4 years ago.. ..but the account number is not the one which Lowell etc are quoting. Where do I go from here and who do I contact first? Is it Bryaan Carter or is it Lowell? What do I ask? No debts to my knowledge and am on benefits as my child is disabled. If it IS this catalogue (don't think it is) then how much will a court make me pay?

I recently received letter from them about trying to obtain ccj against me and the claim form from northampton county court. The debt itself is related to capital one credit card which i had till roughly 2006. On the claim it states this debt was assigned to Lowell Portfolio on 07/09/2006. Can they still obtain cccj against me as it's over 6 years and i don't remember acknowledging it in any way? What I should do now? Thanks

Hi, I am looking for any help or advice: I ran up a large amount of debt more than 10 years ago on a Barclaycard, after my business failed - I tried to pay it off over a few years, but with all the interest charges, I found it impossible and gave up - with the last payment / default @ July 2008. The debt with Barclayard was just over £15,000 (!!). I buried my head in the sand for the last 5 years after searching the internet a few years ago and satisfying myself that the debt was un-enforceable and as such have never replied to any of the multitude of phone calls and letter received from many debt collectors over that time. Of course, I now realise that this is probably not the truth! A few months ago, I started getting letters from Lowells, Fredriksons and now Bryan Carter. I checked my Experian File and noted that Barclaycard wrote off my debt last year / sold it to Lowells (without notification). The letters of the last couple of months have been quite aggressive, leading to the last letter, where (on Bryan Carter headed paper), they are notifying me that if I do not pay in full by the 26th August, they will issue court proceedings. I have had these types of letters before - but this one seems to be worded differently from the usual we 'may' issue proceedings. Needless to say, I am worried, as I have absolutely no means of paying this large amount of money. I have so many questions (sorry!) to anyone who can help. On one hand I am tempted to just ignore it as usual and see if they actual issue proceedings. On the other - after reading about these jokers - I have started to think about what if they just try for an uncontested CCJ - especially if I never reply to anything. Does anyone have any further clues as to how many of these letters from BC actually end up with proceedings issued? The amount they say I now owe is £16,078 (which is more than what I owed Barclaycard). Does anyone have any suggestions as to a next move (if any?). Do I send a 'prove it' letter or a letter saying I have no clue about the debt (after all - I have not idea where they got the actual amount from). Any help of advice would be most welcome and thanks in advance (sorry for the long rambling post!).

I received these letters - fredrickson/lowell one last month and bryan carter one a couple of weeks ago... I pretty much have no idea what to do so all help is appreciated. .. I think I need to send a section78 request? I have two separate debts, both from about 7 years ago and this is one of them. I havent been paying much attention to them and have been just throwing the letters in the bin. One has been passed around various debt collectors, maybe about 7 or 8 different ones, and one (i think) has just been passed on from Halifax (both are originally from halifax) but I'm not sure which one this is :/

Hi Everybody I have been an avid reader of threads in this sub-forum but have never posted or commented until now. I had a claim from Northampton Court Bulk, I acknowledged the service, I submitted my defence. MCOL lists my defence as received on the 22nd October. I had sent BC a CPUTR letter and he replied with "contact Lowells with a Section 77-79 request" As I believed there was no actual agreement I sent a "prove it" letter instead. Lowell responded with the last item ordered and when the last payment was received and which catalogue it was. Again it rings no bells, however it is on my credit file as a default so there must be something in it! However 38 calendar days have elapsed since my claim was received by MCOL and I am now wondering what to do or more to the point what BC is brewing up!! I have tried to decipher the CP rules which seem to state that 28 days go by then a reminder to proceed is issued by NCBC which if not answered in 7 days leads to a strike out? Is this true? Any advice would be gratefully received. Thank you in anticipation.

Hi all, I am new to posting on this site so please bear with me regards any missing information etc.. I received a letter from Bryan Carter dated the 22nd of Nov regarding a debt that had been passed onto them from Lowell. They have given me until the 6th Dec to make payment/contact them or I will be going to court. Obviously I want to avoid this but have a couple of questions on what I should really be doing next. The debt in question (I believe) is an old overdraft, but I have no paperwork to try and track it down and if I have worked things out properly according to advice given on various forums, the debt was due to become statute barred in May. I was wondering if there are any specific letters I should be sending out or any key questions I should be asking so I am able to find out more about this debt. Thanks in advance

Hi all, I really need some urgent advice! I've had a letter from Bryan Carter Solicitors, dated 22/11/13. "we have been instructed by Fredrickson International Limited, on behalf of Lowell Financial Limited to issue court proceedings if payment of this debt is not received by us by that date". It relates to a Capital One credit card debt of approx. £450 I can't remember the date the card was taken out, but I've found an email saying I'd activated "Verified by Visa" for that card, back in Sep 2009, so I guess I would have applied for the card around Aug/Sep 2009. The last time I made a payment on the account was in 2011. I have other debts, totalling around £11'000. Just defaults, no bankrupty, CCJ's, DRO etc (yet!). Only the Capital One card above and a Barclays bank account (£2'200) have been purchased by Lowell, and they've said nothing about the Barclays account for some time, although I guess it's only a matter of time before it gets passed on to Bryan Carter? I know I signed a credit agreement, just can't remember when. I just checked my equifax credit report and it's not on there (but I know it was on one of the other ones, like experian). I'm a full-time mature student. I receive student finance and have no other income except child benefit and child tax credit. Too busy with the course to do a part time job. My wife owns a property in London (bought recently) and gets around £1000 per month (after expenses/mortgage from renting it out and managing another property which she doesn't own). She's in the process of registering with HMRC to pay tax on her earnings, but hasn't done so yet. I need to know what I can do? And more importantly, what can Bryan Carter do? I've heard that they can't take my wife's house or money as the debt is mine, but surely the courts will look at my wife's earnings as well as my own, in terms of assessing household income and what I can afford to pay? The reality is, our outgoings basically match the money coming in. If you discount my wife's earnings, then I don't even have enough money to support myself (ongoing dispute with student finance england, MP involved; I should be getting around £11'000 per year, but they've awarded me £3'700 for this year!) I'm studying in order to become a professional (the jobs I'm applying for will credit check all prospective employees), so I cannot afford to have any CCJ's or court actions against me! Defaults are bad enough. I do want and plan to pay everything off, ideally through income gained from doing internships throughout my course, so that by the time I graduate, I will have satisfied all the defaults on my credit file. However, I'm not eligible to do any such internships until the summer of 2015. So I need to keep the wolves from my door and avoid any legal action against me until after then! I've heard something about sending 3 letters to the DCA/Bryan Carter, but is that only for statute barred accounts, or for credit agreements taken out prior to 2007? Please advise what I should do, and thanks for reading!

1. Should I have received a letter before action? 2. The amount claimed is made of unlawful charges and interest - which he is adding more! I will post the actions taken so far by myself on behalf of my better half:wink:

Hi all my dad let me know yesterday that he had got some forms from the court and didn't know what they were for had a look and it seems they are taking him to court the forms are dated 19th November. After reading the form and speaking too my dad it seems the debt was incurred when he moved house approx 3/4 years (so not statute barred) ago and stopped paying the mobile contracts he had with Vodafone as their name and an account number is under particulars. He told me he had been getting letters about the account but he just ignored them hoping they would disappear (daft i know) and he has binned them all so i can't review any of those. The original debt was for £646.84 claiming 8% interest since 28/03/2013 = £33.32 so amount claimed is £680.16, court fees £55.00, Solicitors Costs £70.00 = Total amount £805.16. What do you guys think he course of plan is? He isn't denying hte debt just the extra fees are not ideal and he doesn't have the £800 to pull out in one sum. Never had to deal with these papers i.e filling them in so any help would be appreciated. Many Thanks x

Hi I have received a letter threatening court action from Bryan Carter solicitors, after readiung through the forum I decided to write to Capital one requesting a cca. Bryan Carter responded by putting the account on hold, however I have now received a reply from Cap One. the reply goes as follows " I write in response top your copy of your executed agreement and statement opf account S78 of CCa etc. Our records show that you applied and signed your agreement online" It then goes on about the dangers of using a claims manmagement company and asks me to read the warnings issued by the OFT. My question really is whether or not this agreement is enforceable, and should I now expect the court action to recomence? Graham

Hi, I received a claim form from the Northampton cc issued on the 17/10/2013, I only opened the letter 2 days ago (I was away) and have been googling like a madman ever since. This afternoon I responded online at the money claim website, acknowledged that I have received it and clicked defend claim. the particulars are as follows THIS CLAIM IS FOR 202.85 THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND / OR SERVICES AND / OR GOODS THIS DEBT WAS ASSIGNED TO / PURCHASED BY Lowell portfolio l Ltd on 10/06/2011 AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925. PARTICULARS Re:Barclaycard A/C No xxxxxxxxxxxxxx AND THE CLAIMANT CLAIMS 202.85 THE CALIMANT ALSO CLAIMS INTEREST PURSUANT TO S69 COUNTY COURT ACT 1984 FROM 10/06/2011 TO DATE AT 8% PER ANNUM AMOUNTING TO 38.23. The amount was disputed by myself to Barclaycard who said I withdrew money from a cash machine with my credit card, I did not withdraw the money, so I payed off what I had legitametly used the card for and explained this to them. They said you must have, no one else could have and added interest over time to make a supposed £100 ish withdrawal 200 ish pounds and then sold the debt, I told this over the phone to a few debt collectors, and got letters from some more, told them the same thing and heard nothing for a few years until a claim form from Northampton arrived on my doormat. Does anyone have any advice on how I proceed here. Im in two minds whether to offer bryan some money to settle the debt as defending it is a bloomin minefield from what im reading, or maybe its too late for that?? I mean relative to some people seeking help on here mines quite trivial I guess but ive done nothing wrong. Or maybe I should request the paperwork. Any guidance would be most appreciated.

hi all, newbie here, i missed a call from bryan carter this afternoon. i have absolutely no idea why they should be calling me as i had a dro made in 2012. at the end of last year i had a few letters and phone calls from lowell group about a debt with orange that was included on my dro; it took 9 months of calls with both orange and lowell before it got sorted out, it was really stressful and almost drove me to a breakdown. i know i have no debts that weren't covered and i can't get credit of any kind now (believe me, i've tried). i know there'll be a letter to follow, and i'd like to ask your advice on what to do next.

What a lovely letter my other half has received from CCS. We had some added bonuses to the letter. Amount outstanding was in RED. Followed by **Please pay only the amount in red** A claim may be issued against you for recovery of....... oh they MAY will they. The best bit I personally like is the part where they say "Debt shown may include a late payment charge. And apparently she has to act now to avoid this action by paying immediately. She also got another from Moorcroft We have not received any communication to stop us recommending legal proceedings we are prepared to accept payments of £20 a month. Lots of please do this and please do that. Funny thing is this debt is made up of charges. I really want to SAR these guys, and have I know one debt is made up of charges, the other I know little about. If I do SAR these cretins am I likely to get all the info ie statements and also the CCA to look over? And can someone post a link the the template as I can never find it. Cheers and a merry Xmas to Commercial Credit Services and Moorcroft. Oh and another one that sent a letter a few weeks ago offering us a reduction in my other halfs debt, may 2012 be more fruitful in your quest to extract money from her.

This morning I have recieved a court claim form from Bryan Carter solicitors from a debt from 2008 worth £1701.43 with the costs and interest they are pursuing it is £2368 It was a debt from 2008 I made some payments in 2008 before being hospitalised for 18mths. I have had one letter from them in 2009 but nothing since. Is there anything I can do? My house is in my name. I do not have an income or savings and receive just DLA Issue date of my claim form is 04 Oct 2013