Hi i wondered if anyone can provide any advice on how to proceed. My husband received a letter from Yuill and Kyle in january regarding a debt with lowell portfolio after reading advice on here i sent off a CCA request on 3rd of february by recorded delivery and enclosed a postal order for the required fee. I also sent a letter to yuill and kyle telling them we had requested this information from lowell. These were signed for and we have heard nothing since. Yesterday a letter arrived from Yuill and Kyle stating the following: Dear Sir Lowell Portfolio I Ltd v You Should you not dispute the debt then you are now liable to pay the sum shown below which included Judicial Expenses. To avoid decree passing against you then please return the slip below with your remittance. Failure to do so will mean decree passing against you and our instructing sheriff officers t o recover the principle, judicial expense along with sheriff officer fees. Finally we refer you to the court documents now served upon you which details your right to make representations to the court and if appropriate to pay the debt by instalments. You are always able to contact us to discuss a payment arrangement with you based on your circumstances and then put to our client for consideration. Yours faithfully Yuill and Kyle 3***** Lowell portfolio 1 ltd v Mr ************* ********* Principle due : £****.** Judicial Expenses: £***.** Total Due: £****.** Im unsure as how to proceed next we have received no court papers as yet but i believed when a CCA was not supplied then no further action could be taken until these were produced? Any help gratefully received

Lowell's Solicitors are chasing an old debt (6yrs old) - as mentioned in post #1 old catalogue debt for JDWilliams & Oxendales Never seen a letter like this from them before Tactics or can they go further with this? Thanks LowellSolicitors.pdf

I'd seen recently on my Equifax file that an old BT debt was being recorded by Lowell This was chased by and already paid to Credit Resolve in 2017 I emailed Lowell last week along with proof of payment asking them to remove the entry They've said: Good Morning, Thank you for your email, I have noted your comments and would be happy to assist you. Account Number Original Client Current Balance xxxxxxxxxx BT PLC £72.84 I appreciate the comments you have made and I can see from the screenshot provided this shows the balance due was paid on the 31st of May 2017. Your query We’re investigating this matter with BT PLC and will let you know of the outcome. What happens next? You don’t need to do anything. The account is on hold and we will contact you again as soon as we hear back from BT PLC. If you require any further assistance please don’t hesitate to let me know. Kind Regards, Hakim Lowell Financial, part of Lowell I've paid, I don't owe them, would I have to wait for them to investigate or should they be removing the entry straight away? Can I go back with the 'remove in 14days or I'll start legal action line'? Thanks

Papers from SAR shows shockingly very high charges from 2009 to 2013 within period I lost my job and was struggling financially, can I seek refund from OC? Just after calling OC and asking for complaint procedure and address, I received letter stating small % of charges will be refunded but paid directly to Lowell? What's your opinion guys?

Hi, Newbie here, I have an account with Lowell which I have been paying and the account has been placed on my credit file with me making regular payments to it. It's a J D Williams account that Lowell had bought. My issue is whilst they are recording the fact the balance is going down each month the payment history is showing 6 payments late all the time. Should it actually be on my credit file at all and if it is then how do I get them to show that I am paying said debt off and get them to amend the payment history. Thanks for any wisdom.

Hi I'm new to all this so I apologise in advance if i've made any mistakes. I had a contract with BT back in 2015 which I wanted to finish early due to the constant slow speeds I was getting after 2 months of being with them. At one point I cancelled my direct debits in protest until they sent an engineer out to have a look at why my internet was so slow. When an engineer was promised to be sent out I called to re-instate my direct debits and was asked which date I wanted them to come out. I asked for the start of the month which was agreed but a few weeks later I had a direct debit come out in the middle of the month. I questioned this and was told they couldn't do a specific date unless I agreed to estimated billing. This was not what I had earlier agreed and they were not willing to do anything about it so for me it was the final straw. I asked if I could end the contract early due to the poor service but was told I would have to pay the remainder off which was over £300. I refused to pay this obviously and was sent various debt collect letters which I ignored stupidly thinking they would eventually give up. Now after all this time I get a letter from the small claims court as Lowell acting of behalf of BT saying they want their £300. I've sent off the acknowledgement but i'm not sure what to do from here, do I defend or do I need to counterclaim? I feel BT were in breach of contract and according to their own terms they would look at ending a contract early due to poor service but I don't feel they ever really considered it. I would really appreciate any help please. Thank you

Hi, hoping you guys can offer some help please, I’ve had a letter from Lowell’s about an old catalogue I had & that they acquired the debt in 2017, I don’t recall having received a letter of claim but this is asking for a response in 14 days, total amount including court fees is £912. How should I proceed, I cannot pay that amount, does this have to go to court now or is there any way that I can sort this out outside the court, what happens if it does go to court? are Lowell’s helpful enough to try & resolve without court action or is too late now

I hope to get some advice here my partner received letters (notice of sums in arrears, annual statement) from Lowell about the debt they bought from Okam Ltd for the amount of £10,785.89. That was shock for me but my partner remembered what it was. It was loan taken in dec 2012 with his ex wife. Original amount was around £3k. They paid as long as they’re were together. Then couple months later she left him but promised to pay for it. Unfortunately that loan was only on his name. That was very nasty divorce and he never thought about it. He moved few times and changed phone numbers maybe that is why he never received any letters from Okam. If he will have any doubts about her not paying he would pay this. We don’t know if Okam send any letters or not. Either she didn’t tell him on purpose or they never send anything. Now debt is in Lowell. And the amount over 10kis just not real for us. He called Okam yesterday and they couldn’t say much about this debt. They have on file that the loan existed but no more details. They said to contact Lowell. he called them. Guy on the phone was not pleasant at all. Tried to take his expenses which most of them my partner didn’t know about them as I look after all the bills. He could only say how much he earns (his self employed) and they told him that universal credit will be taken fully as his earnings as well. Then they calculated that he will have to pay around £480 pm. My partner did not agreed to this and said he will discuss all expenses with partner. Then he called Lowell again and spoke with manager. They offer to call us on 14/02 to find reasonable solution and agree repayments. But tbh I don’t know why from 3k now he has to pay almost 11k. He doesn’t remember when exactly was last payment. Definitely something in the begging of 2013 so it’s almost 6 years. He doesn’t remember how much was already paid. And we have received letter only with the total amount owed. My partner once paid off some phone bills debt (his ex and kids) to Lowell and now they back again. We are not able to pay this. My partner only works. I had to quit my job to look after our 2 years old daughter. We are receiving universal credit. What should we do now. How to deal with Lowell?

Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 29/01/2019 Particulars of Claim What is the claim for – the reason they have issued the claim? 1) The Defendant opened a Bank of Scotland ( Credit Card) regulated consumer credit account under reference xxxxxxxxxx on 08/06/2009 ('the Agreement') 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 17/06/2015 and written notice given to the Defendant. 4)Despite repeated requests for payment, the sum of £3,229.76 remains due and outstanding. And the Claimant claims a) The said sum of £3229,76 b) The interest pursuant to s69 Count 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 £0.708, but limited to one year, being £258.38 c)costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Yes in January 2018 Did you inform the claimant of your change of address? No What is the total value of the claim? £3753.14 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Yes, credit card When did you enter into the original agreement before or after April 2007 'Don't remember, may well have been 08/06/2009 as mentioned in the claim particulars Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes 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. The debt purchaser issued the claim Were you aware the account had been assigned – did you receive a Notice of Assignment? I dont remember receiving one Did you receive a Default Notice from the original creditor? Don't remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year TBH as soon as I see Lowell on the letter head I tend not to read it - Why did you cease payments? Financial difficulties What was the date of your last payment? 04/12/2012 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? No I'll be sending a CCA and a CPR31.14 request off tomorrow. I was planning a defence based upon SB but with the last payment being 04/12/2012 I don't think that will stick as the COA date doesn't seem to be the last payment date any longer? 2012/13 was a really bad 12 months financially and personally and Lowell have been harassing me for every defaulted debt from this period for a long time. Lowell already have 3 CCJ's on my file, for 2 of them they placed a charge on my property. These were paid when I moved house at the start of 2018. I don't want a new CCJ and I hate the thought of having to pay these guys a single penny more. Any and all help gratefully received

I posted this on the banana site but haven't had any response so was wondering if you could help. I've just copied and pasted what I put on their site below. I think I may have missed some of your standard questions so will have a look and try and answer anything I've missed below. If any of you could help I could really use it. I've got a bit of a different one here I could do with some help with. I've seen the forum and have a general idea of what I should be doing but could do with some guidance. Details below: Received a claim? Yes Issue Date: 30 Jan 2019 Have you Acknowledged the Claim?: Yes Total Amount Claimed : £300 Claimant’s Name: Lowell Portfolio Solicitors Firm: Lowell Solicitors Original Creditor: BT Original Debt : Phone Line Particulars of Claim: 1) The defendant entered into an agreement with BT PLC under account reference xxxxxxxxxx ('the agreement') 2) The defendant failed to maintain the required payments and the service was terminated. 3) The agreement was later assigned to the Claimant on 27/03/2017 and notice was given to the Defendant 4) Despite repeated requests for payment, the sum of £xx remains due and outstanding. And the claimant claims a) The said sum of 222 b) Interest purusant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue accruing at a daily rate of £0.049, but limited to one year, being £17.78 c) costs Is the debt Statute Barred: No List any letters you have sent: None Any Other Information or Background Details: This account was from 2008/2009 when I was a student. I had a BT line to allow us to get broadband at our house. When I moved out of the house in 2009 the landlord took over the account as he was providing this as part of the house rental going forward. The name and payment details on the account were changed online. I have not paid anything towards this account since May 2009. Having spoken to BT they said the only information they have is that Lowells made the last payment to the account on 29/11/13 the date the account defaulted. They cannot provide any other information regarding payments due to this being such an old account. Lowell (in a phone call) claim the last payment made towards the account was in July 2013 with the account defaulting in Aug 2013. Is it possible to argue that this debt should be statute barred as I have not paid anything towards it since 2009, or because someone else has made payments does this cancel out this defence? I should be able to prove I have not paid anything by requesting bank statements showing what payments I have made to BT. During my conversation with Lowell they also confirmed that they had been sending documents to another address (different to the account address) which I have not lived at for 14 years. What should my next steps be? Request account details from BT Request the specific documents from Lowell under CPR31.14 Anything I’ve missed? If you need any other info please let me know. Your help really is appreciated with this! What is the claim for – the reason they have issued the claim? 1) The defendant entered into an agreement with BT PLC under account reference xxxxxxxxxx ('the agreement') 2) The defendant failed to maintain the required payments and the service was terminated. 3) The agreement was later assigned to the Claimant on 27/03/2017 and notice was given to the Defendant 4) Despite repeated requests for payment, the sum of £xx remains due and outstanding. And the claimant claims a) The said sum of 222 b) Interest purusant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of issue accruing at a daily rate of £0.049, but limited to one year, being £17.78 c) costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Nothing received, the claim letter is the first I have got. Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Multiple times. Did you inform the claimant of your change of address? No, I left the property after finishing as a student. My landlord took over the account. What is the total value of the claim? £300 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? BT Landline account When did you enter into the original agreement before or after April 2007 ? After April 2007 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Not showing on my Noddle account (only one I use) 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. Account assigned and debt purchaser issuing the claim. Were you aware the account had been assigned – did you receive a Notice of Assignment? I did not receive a notice of assignment. Did you receive a Default Notice from the original creditor? I did not receive a default notice. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I have not received any notice of default sums. As I mentioned above Lowell have been sending letters to an address I have not lived at for 14 years. Why did you cease payments? I moved out of the house, landlord took over to provide phoneline for the house. What was the date of your last payment? May 2009 (but payments have been made since by third party, Lowells final payment is the only one showing on BT's records) 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? No I hope answering the above gives a little more information. If anyone can help me with this it would really help me out! If you need to know anything else please let me know.

Thanks. I have previously SAR'd Vanquis. I'll dig it out and post here Here's the SAR response jpg2pdf.pdf

I've received the following letter from Lowell solicitors regarding a default from 2012 for about £1700. I've previously tried to negotiate a settlement figure but got very little response. Although I have found a letter they sent last year offering a 60% reduction in the debt. Any suggestions on my next course of action? PAP LOC (1).pdf

Lowell Solicitors sent me a letter in December 2018 saying on 08/08/16 a CCJ was entered against you and you were ordered by the court to pay £50 per month. I haven't paid anything on it. It says they are considering options to enforce the CCJ as its in arrears. The amount of the CCJ is £499.13 It also says to avoid the possibility of enforcement action we need to agree a payment plan with you. This CCJ was issued years ago to an old address, i now know it's my responsibility to inform them of my new address and my circumstances at the time would not allow me to do that but i was just hoping for some advice. It was originally a Capital one credit card. Thanks

Hi all , it is my first time ever discovering forums like these in my life. I'm Matt I'm a 26 year old male and to cut a long sob story short i have been ignoring various debts for years as they always used to get passed from pillar to post so i'm not entirely sure which company owns which debt etc. Following a bereavement in 2012 my life spiraled downwards into chaos , i drank a lot of alcohol every day for a long time i lost my home ,my job , my friends and just about everything you can imagine. I used various payday loans to pay for my drinking once i had lost my job and i tried to take my own life in 2015 because of my debts. I am still involved in mental health services i was diagnosed with Psychosis last year (2018) , i had a terrible time getting abuse 24 hours a day from voices in my head often keeping me awake for 4-5 days in a row. I am enjoying a January voice free, i don't take any medication anymore , it's taken a long time to sit here and have the confidence to post here. I received a letter today from a company called BW Legal which made me think it's about time i start working on a solution. I was hoping for some advice, help with anything you can while i have motivation to try and solve a very big problem i have and this is my debts. I have followed instructions from the site and i have obtained my credit report, to my suprise my debts are nearly £5000 less than i had anticipated bringing my total debt ( on my noddle report ) to £3745. I am currently receiving ESA ( Employment and Support Allowance ) so i do not have a big income to pay a lot of money a month. I did read about the statue barred sticky thread, i do believe some of my debts are older than 6 years old but i am unsure when the date starts from, also my memory is not very good about the past 6 years because i was drinking heavily. It is also the reason i am hesitant about contacting any of the companies for my account information. I do have letters somewhere dated in the past 3 months which i will try and upload. I have 2 CCJ's i believe one is from Capital 1 credit card for around £500 and a parking fine of around £200. Thanks in advance for any help i might get, i have been signposted for stepchange by my mental health worker , but i was worried i might mess up any chance of Statue barring any debts that might be eligible. I have downloaded a PDF from noddle with all my report on if anyone would like to see it. Lowell £ 499 Lantern £ 262 Active Securities LTD £ 442 Capquest Investments LTD £ 1,288 Lowell £ 780 Lowell £ 217 Barclays Bank Plc £ 62 Ee Limited £ 152 Thanks again

Hi, I have just received a letter and form from Lowell Solicitors regarding a mail order catalogue for just under £900. No payment has been made for 3 1/2 years, account taken out around 2010. It is saying if I don't reply or make payment within 30 days they will start court proceedings. Any advice on how to deal with this? Thanks JJ

Hello I have received a letter dated 21/12/18 from Lowell Solicitors regarding a 12 month contract I entered into with BT PLC 30/08/14. I believe the contract was entered into over the phone. As far as I remember I made regular payments and gave 30 days notice over that I did not want to roll on to a month to month contract as stipulated by them over the phone towards the end of the contract. I was a student in university at the time. The debt stated as owed to Lowell is for £288.31 due to me not making agreed payments to BT PLC and was purchased in 15/09/17. I queried this with them over the phone and they stated that it was for air time and an early cancellation fee. My issue is that I was told I would not face an early termination fee to the best of my knowledge and that I made regular payments as well as at no time was my service terminated. Lowell stated on the phone there was no obligation for them to provide any kind of evidence and could only offer options as well as no legal advice. The letter from Lowell Solicitors states I must respond within 30 days to prevent a court claim being filed and a potential CCJ being issued against me. This could seriously hurt my career as I work for a bank and upon taking my current job ( A promotion ) was investigated for any CCJ's I might have against me of which I had none. I have contacted BT PLC and they will be responding within 7 - 14 days with access to my final bill and potentially account note access / phone logs if any are held. Originally I contacted BT PLC and was put through to their accounts department offshore. No one at that level could see anything wrong with my account, with one lady stating I just needed to pay an early cancellation fee of £60 and my debt could be removed / recalled. I did not take her word for it and asked to speak to a manager who stated this was not the case and apologised as well as lodged a complaint but stated he could not enter the account due to the age to offer an explanation. It wasn't until I reached out to BT via their forum that I was contacted by onshore mods who have come to the above resolution to my query. What can I do to dispute this debt? What rights do I have? I plan to pay the debt if it is genuinely owed and I have really made some kind of mistake or a payment has not been processed. Additional information that might have some relevance is that I moved out of the property towards the end of that contract with it being a student private rent and have not received any communication from BT / Lowell regarding this debt to the best of my knowledge and I do not know how they have found me at my current address to issue this threat letter. Attached are is a copy of the letter I received with personal info taken out. Any advice offered would be greatly appreciated.

Name of the Claimant Lowell Portfolio 1 Ltd Date of issue – 07/01/2019 date to acknowledge 25/01/2019 date to submit defence – 08/02/2019 Particulars of Claim 1.The claim is for the sum of £310, due by the defendant under an agreement regulated by the consumer credit act 1974, for a SD account. An account with reference of …… 2.The defendant failed to maintain contractual payments required by the agreement and a default notice was served under s.87(1)under the consumer credit act 1974. Which has not been complied with. 3.The debt was legally assigned to the claimant on 27.01.2017, notice of which has been given to the defendant. 4.The claim includes statutory interest under s.69 of the county courts act 1984 at the rate of 8% per annum from the date of assignment to the date of the issue of these proceedings the sum of £26 the claimant claims the sum of £340 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ?NO What is the total value of the claim? £420 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Catalogue When did you enter into the original agreement before or after April 2007 ? After Is the debt showing on your credit reference files (Experian/Equifax /Etc...) yes to lowell 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? redundant What was the date of your last payment? cant remember will see if its on bank statemewnt 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 dmp - Yes and no ….......... received a claim form yesterday, have acknowledged service. just about to do letters to creditor and solicitors will keep you all updated as i go

Hi can I please get some help regarding three letters that have come from Lowells. We have recently returned to uk after living abroad and previously had advice regarding some if not all of these accounts back in 2014 I believe. The debts are coming up SB mid this year, default dates 2013. I believe we were previously advised to SAR I think, which, I think we did. I also believe one- a capital one debt, we sent a PPI claim for which was denied I think. Here are the accounts. ME-CAPITAL ONE $420 MY WIFE- BRITISH GAS $75 didn't even realise we had this...pretty certain we were on prepayment meter?! MY WIFE- CAPITAL ONE $1695 (SAR sent off 15th May 2013) Do I need to do an SAR again for these? Can anyone advise what to do please. Thanks a lot

Hi I received a county court claim from Lowell Portfoloio on 12th December 2018 regarding a debt with Vodafone, I made AOS on 18th December. POC 1) The defendant entered into an agreement with Vodafone under the account reference ******** ('the Agreement'). 2) The defendant failed to maintain the required payments and the service was terminated. 3) The Agreement was later assigned to the Claimant on 28/02/2018 and notice was given to the Defendant. 4) Despite repeated requests for the payment, the sum of £xxxx remains due and outstanding. And the Claimant claims a) The said sum of £xxxx 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, accusing at a daily rate of £0.251, but limited to one year, being £71.76 c) Costs I would really appreciate some advise for the next stage. Many thanks. Roland

Good morning everyone, I have been asked by my ex-wife to help her after she got a letter threatening her with bailiffs, She got herself into debt with EE and of course because she was dealing with depression she started to "bury her head in the sand" The consequence is that The lovely Leeds Losers (aka Lowell) have got involved, I only became aware of this situation after she got a letter from the county court, saying that they were about to get the bailiffs after her. My question is, why have they only chosen to partially enforce the judgement, this is something I have never heard of before? because of her depression etc she is not sure she received a letter of assignment etc, would it be worth having a go at getting the judgement set aside(however I have paid the amount they enforced, just to stop her having to deal with bailiffs) Many thanks in advance

Hope I can get a quick bit of advice/knowledge from you guys. Lowell have been sending my husband the usual series of threatograms over a Talk Talk account debt and have now sent us a county court claim form. What makes this especially fun is that this debt is absolutely not ours. We have never had an account with TalkTalk. Hubby has even phoned TalkTalk and verified that he has never had an account with them (and they actually confirmed to us that the debt is question is not and never has been registered at our address - but we can't really use that info because under data protection they shouldn't even have told us that much). Hubby has a very common name and I can only assume that Lowell, being unable to find the actual debtor, have just sent out speculative threatograms to everyone they could find with that name in the hope of bullying someone into paying. We haven't bothered replying to the threatograms because, quite frankly, why should we? It's not our debt and we are under no obligation to send them personal and/or financial information (also, in my past experience of DCAs chasing a debt for a previous resident of our address, these companies are extremely reluctant to remove a name/address from their records unless you can provide them with an alternative address at which to chase - they would rather continue to pursue payment at an address they know not to be that of the debtor than have nowhere to send threatograms to). I am submitting our defence to the claim on the website and it's fairly straightforward because it amounts to, Sorry mate, not our debt, sod off. But I would like to get Lowell in as much trouble with the courts as I possibly can for their unscrupulous shenanigans I would like to know what the regulations are (I know there are regulations DCAs are supposed to follow, not that they often do) about chasing debts/issuing court action etc when they haven't even ascertained that the person they are chasing is the actual debtor. Are they in breach of regulations here? Or are they actually allowed to send out threatening letters to everyone with the same name as the debtor they are seeking and take people to court just because they have the same name as a debtor? Any help/thoughts/guidance much appreciated.

Name of the Claimant Lowell Portfolio I LTD Date of issue 17/12/2018 Particulars of Claim 1) The Defendant entered into an agreement with Three Mobile under account reference XXX (‘the Agreement’). 2) The Defendant failed to maintain the required payments and the service was terminated. 3) The right to collect the outstanding balance was assigned to the Claimant by Hutchinson 3G UK Limited on 20/12/2016 and notice given to the Defendant. 4) Despite repeated requests for payment, the sum of £420 remains due and outstanding. And the claimant claims a) The said sum of £420 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 £X but limited to one year being £35 c) Costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol)? Yes, I posted in another forum about this sent a response with Box C (don’t recognise the debt) and Box I (need more info) ticked. I also sent a Without Prejudice offer of just over 40%. I did sign that letter, I hope it’s not an issue! I asked for: · Full assignment history of debt · Initial Default Notice · Copy of written contract for debt · A full statement of account, including details of all interest and charges included on outstanding balance of the debt explaining how they have been calculated, and any payments already made towards the debt They rejected the offer and they sent back: · Two notice of assignments from Three and Lowell, missing logos and looking unofficial dated on 13/02/2017. · Said mobile contracts aren’t regulated by CCA so won’t send me a default notice or contract. They didn’t give me a full statement of how the balance was made. Looking around the internet and other forums, people said it’s not worth playing letter tennis with Lowells as they will just ignore you and send the same rubbish and just to wait for the claim form, so I didn’t respond further. What is the total value of the claim? £540 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Mobile phone account with Three Mobile When did you enter into the original agreement before or after April 2007 ?After April 2007 Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ?Yes 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. Lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? No, I never received any from Lowell or Three apart from in response to the PAP form I sent back. 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? Bad service/reception and financial difficulties. What was the date of your last payment? According to Lowell this was 03/02/2015. I can’t verify as my current bank account was opened after that. It’s not showing in under Noddle/MSE Credit Club/Clearscore as they wiped the history from Three and replaced it with their own that shows limited time periods. 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?No Hi everyone, I received a claim form from Lowells just in time for Christmas! I’ve been reading other threads where cases like these have been discontinued for lack of proof or termination charges deemed as unfair by Ofcom and have a general idea on what sort of defence I want to put together but would really like to run my steps through the more experienced people on here. I think my next steps are: · Acknowledge the claim · Send SAR to Three · Send CPR 31.14 to Lowell Solicitor address · Start putting together a defence My question on the CPR 31.14 is which template I should use, Request 1 or 2? Can I only request the agreement as it was the only thing mentioned in the particulars? Can I also request a statement of balance or is that one for the SAR? I’ll start putting together a draft of the defence and would greatly appreciate any advice on any of this. Thanks very much!

received on Saturday a claimform from Lowell stating that despite previous attempts to contact me they have now issued a court claim. The 3 contract was from 2015 from what i can work out. can anyone help please. T he issue date is the 5th december. Cheers

Name of the Claimant ? Lowell Portfolio I ltd Date of issue – 05/12/2018 Date to acknowledge - 23/12/2018 date to submit defence - 07/01/2019 Particulars of Claim What is the claim for – 1) The defendant entered into a Consumer Credit Act 1974 regulated agreement with Vanquis under account reference ***** 2) The Defendant failed to maintain the required payments and arrears began to accrue. 3 The agreement was later assigned to the claimant on ****/2017 and notice given to the Defendant. 4)Despite repeated requests for payment, the sum of £26** remains due and outstanding. And the Claimant claims a) The said sum of £26** 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 £0.50, but limited to one year, being £200 c) costs Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes i think so What is the total value of the claim? £2900 Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? credit card When did you enter into the original agreement before or after April 2007 ? after Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? yes 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. assigned to lowell Were you aware the account had been assigned – did you receive a Notice of Assignment? i didn't receive a notice of assignment but i may have received the odd letter 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 honestly can't remember, i had a lot going on at the time and i did think it was all paid up What was the date of your last payment? 2015 Was there a dispute with the original creditor that remains unresolved? no, although i've no idea how the total is so high as its way above the original credit limit Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? i'm not sure, but i did start a payment plan with them for a while in a bid to stop them defaulting me, I'd missed 5 or 6 payments then started paying again under this agreement for a good few months Hiya, I've received a claim form from Lowell for an old Vanquis debt. I have beat Lowell in court once before for an old catalogue debt, but that was a while ago, and a bit different because I could prove from the information they sent me that I didn't owe the money anyway, and that was struck out. I'm a bit nervous, and as this is for a lot more money than before, and its quite a while since I had to do this so was hoping I might be able to get a bit of help from here. I've been online to try to acknowledge the claim, however mcol has my old address and I cant seem to be able to change it, has anyone any idea how? Also, before i send, am i right that its a CPR31.14 to the solicitors and a CCA to Lowell? Should i also send a SAR to Vanquis? My credit limit was never anywhere near the amount they're claiming I'm sure, so I've no idea how the amount has got this high! This is the form filled in that you request: Any help would be massively appreciated!

Hi, I've received a letter from the county court business centre in regards to a supposed outstanding amount on a vodafone contract. The amount is for £1248.72. It says the defendant failed to maintain contractual payments under the rems of the account agreement. I haven't had a Vodafone account in over 11 years. What do I need to do?