Hi, I've been issued a claim (around 2 weeks ago), dated 11 June from Bryan Carter. I needed to register with Money Claim Online for my code, which I did but have not recieved anything in the post yet. How long do I have to acknowlege the claim? Also is there a phone number for the Mcol people, I can't seem to find one.... Many Thanks

Hi just needing a bit of advice here please and maybe a little help. Today just received what looks like a County Court Letter from Claimant Hoist Portfolio Holding Ltd , I do not know who they are or what the sum of money they are asking for is. Im thinking it might be a statute barred debt but not sure, question is . ... will I jeopardise a statute barred debt by logging onto the court claim. Any guidence would be gratefully appreciated. Regards Malc

Last week i had a visit from a Bailiff who clamped my company car in the driveway demanding payment for an unknown debt. After some reasoning with him I explained it was my company vehicle, I even called my manager to confirm with the bailiff. I was then told by the bailiff I need to settle this debt for a ccj from last year or they would return and seize goods. I called the court and couldn't get much sense so I went there to get to the bottom of this. They printed me off some paperwork showing the CCJ was issued last August 2013 and the company I should pay is Lowell Portfolio. I contacted them only to be told that I owed them money and I needed to pay in full. I asked them what the debt was for they refused to tell me at first and it seemed like they were very intrusive on the phone, asking questions like if I was employed/owned my own home, if I had the means to pay that day etc. All they have told me is that its for a Three Mobile network bill. I defaulted on 2 payments to Three mobile back in 2008 but these total to just under £340 combined. The county court have ordered me to pay lowell portfolio £790! I'm not even sure its the correct bill and if it mine and I'm liable for it. I've done some research and i know i can use an n244 form with a fee to get the judgement put aside for now which i intend to do this week however I wish to dispute the amount and the debt and even if this debt belongs to me as I have never received paperwork demanding money from anyone for it. I need advice desperately. I know i'll be heading back into court once I submit the n244 form with my fee but should I admit the debt? Should i fight it? Should I ask Lowell Portfolio to provide evidence they can enforce this debt and prove the debt is mine? I really don't want to walk into a court room and face a judge not knowing what I can and should do. I'm totally lost please help me

Hi I am new here and also getting very stressed I hope for a little advice and thank anyone for their assistance I have received a envelope (unadressed n no stamp) inside is a form for attached earnings (v.125) with a compliment slip of a hm courts and tribunal service stating I must reply within two days to prevent court proceedings case number is for Lowell whom I have no idea are, I have looked at experian and there seems to be a lowell portfolio attached to a debt from 2001, someone has told me to send a letter to request consumer agreement and also statue barred (which I am not sure what this is) could someone please provide me with any advice I should take to proceed on this situation thank you Deb2014

Hi All Need some advice I had a current account with Lloyds that had an unauthorised overdraft on and When I changed bank they were throwing charges on for sending letters and it got up to a cost of £970.20 this was back in 2009. Lowell have now purchased this debt and have been pestering me for the last year or so. I sent them a letter asking for the agreement and enclosed my £1.00 it took the best part of a month before they even acknowledged this letter. I didn't hear from them for a while and then I got a letter saying that the account was now closed unless they got the agreement off Lloyds which im assuming they have never got. In the last 2 weeks or so I have had a letter stating that under CCA section 74b they are not required to provide this and since then I have had letter after letter from them and they sent me £1.00 cheque. Im just wondering now what my next step is as in march the account will become statue barred and I really don't want to be paying these Shyster's. Any help would be really appreciated thanks

Hi folks, relatively new here & this is my first post - not sure what direction to take. Got a Cap1 card in 2008 and all went well for a while. Late 2012/early 2013 my work took a downturn & money became very tight. Got in touch with Cap1 & agreed reduced payments. By mid 2013, I got a job offer, wrote to Cap1 to tell them the good news and telling them that I was due to start work soon (I had been keeping them up to date each month when I sent payment). Cap1 responded by issuing a default - net result, job offer withdrawn (it was in the financial industry). One thing led to another, next thing I started getting calls etc from Fredricksons. Sent a CCA letter & advised that all communication must be in writing etc. Case was bounced back to Cap1 & Fredericksons disappeared never to return. I finally got a letter back from Cap1, I had applied online & they sent me a print out of the agreement with my name typed in where the signature should be. They stated that they would not enter into further correspondence regarding copies etc as they had complied with S78. Everything then went quiet, no contact from anyone, no indication of who I should pay, when or how much - nothing!! The end of this week, I have received the opening letter from Lowells Portfolio, they have bought the debt (£4054) & I should contact them to arrange payment etc. At this stage, my financial position still has not recovered, I am working but on a zero hours basis and am receiving tax credits & housing benefits, some of my priority bills are also still a little behind. To date, I have not sent a SAR letter to either Cap1 or Lowell, I'm not even sure if that is the way to go. Has anyone got any suggestions how I can cut Lowells short before it gets too heavy, I am not afraid of fighting and getting down and dirty if necessary but I could do with concentrating on work at the moment as I have a chance of a regular full time position. Any suggestions would be appreciated.

Could do with some advice regarding agreements. Using a SAR request in 2012 I squeezed the attached agreement out of Krapital One. Now to me it looks like an application for credit. They say it is an enforceable credit card agreement even though the APR and credit limit are not included because it depends on which card they give you. I argued this with Krapital and their minions then they stopped writing to me for two years. With no admission of liability by me regarding anything owed and no payments made since April 2009 they now decide to sell the account to Lowell who have asked me very nicely to pay £3663.

Hello, Today I checked my credit report with noddle (it's free) and I noticed I have one default account which has been registered with PRA. Concerned I checked Experian and there is same information. Both of them are relating to my old debt with QQ which has been taken over by Mackenzie Hall. I settled this debt in 2011 and I've requested a confirmation letter from MH, which I still have a copy of. I was working really hard over last 3 years to build my credit score once again. Could you please help me what should I do and how should I deal with PRA. Dates and ammount on the letter and credit report are exactly same. Also I am 100% sure I've settled all my debts from the past. Thank you

Hello there I would be grateful for some assistance. In 2008 I was contacted by Lowell and fell victim to their bullying tactics that I owed them I think the amount was £700 for a Lloyds TSB account, I have only ever had one Lloyds TSB account. I stopped paying in 08/2009 as my partner whos account the direct debit came out of) was declaring bankruptsy. I moved and didnt bother to tell Lowell. I recently gained access to my experian credit report and it shows no credit accounts or anything, which would be right since I only have a basic account. However there are many unrecorded searches from Lowell who have obviously caught up with me since updating my credit files. I received a letter a couple of days ago about the Lloyds account, so I emailed them: (Please note most recent first so best to start from the bottom. ------------------------------------------------------------------------------------------------------------------------------------------------- I have requested from Lloyds confirmation of the account number that this relates to. As previously advised we do believe this is your account and refer you to your conversation with our advisors on the 12th June 2008 advising that you were unable to clear the account and you would call back with your partners Debit Card to make payments, you subsequently set up a Direct Debit on this account and contacted our advisors on the 6th July 2009 advising that due to your financial situation you were filing for Bankruptcy and would not be making further payments. We did not hear from you after this despite several attempts to contact you. The account shall be placed on hold until we hear back from Lloyds, at which point we shall revert back to you and will require your proposals of repayment. Kind regards, Charlotte Customer Services, Lowell Group Email: post@lowellgroup.co.uk Phone: 0844 844 4716 --------------------------------------------------------------------------------------------------------------------------------------------------- Hello As I am unable to recognize this alleged Lloyds account could you please provide me with the account number. Could you please provide to me proof of payment method for the alleged payment. Regards. ---------------------------------------------------------------------------------------------------------------------------------------------------- . From: Customer_Services2@lowellgroup.co.uk Hello , Thank you for getting back to me. I can confirm that this account does fall under the Limitations Act and as such we have closed this account. We do have a second account for you that does not fall under the Limitations Act. Please see details of this below. Reference - Lloyds TSB (Current Account) - Balance £1294.03 You have made £113.50 of payments to us to date with the last payment to this account being on the 1st September 2009 for £11.50. We now require you to contact us to discuss repayment of this account. Kind regards, Charlotte Customer Services, Lowell Group Email: post@lowellgroup.co.uk Phone: 0844 844 4716 ------------------------------------------------------------------------------------------------------------------------------------------------------- 13 March 2014 Dear Sir/Madam Without prejudice Account No: DOB: You have contacted me regarding the account with the above reference number, which you claim is owed by myself. I would point out that under the Limitation Act 1980 Section 5: “An action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.” I would point out that in their Debt Collection Guidance, the OFT regard the following to be unfair or improper business practice for a creditor to: pursue the debt under circumstances in which the debtor has heard nothing from a creditor during the relevant limitation period; continue to press a debtor for payment after he has stated that he will not be paying a debt because it is statute-barred. The last payment or acknowledgement of this debt was made over six years ago and no further acknowledgement or payment has been made since that time. Unless you can provide evidence of payment or written contact from me in the relevant period under Section 5 of the Limitation Act, I suggest that you are no longer able to take any court action against me to recover the alleged amount claimed. I await your written confirmation that no further contact will be made concerning the above account and confirmation that this matter is now closed. I look forward to hearing from you. Yours faithfully ------------------------------------------------------------------------------------------------------------------------------------------------ From: Customer_Services2@lowellgroup.co.uk Hello Lisa, Thank you for your email. So I can help you further with this, for security purposes, can you confirm to me your date of birth please. Kind regards, Charlotte Customer Services, Lowell Group --------------------------------------------------------------------------------------------------------------------------------- Ref: xxxx Dear sir, I refer to the letter from Red debt collection Services regarding the alleged debt for £1194.32 please note I do not acknowledge any debt to company of the Lowell Group. Having reviewed my credit history and on taking advice on this matter I have concluded that any such alleged debt is statute barred therefore I will not now or in the future make any payment or offer of payment in regard to the alleged debt. Should you wish to dispute the status of the alleged debt you must be aware that the onus of strict proof that the alleged debt is not statute barred lies entirely on Lowell and it is not for me to prove that it is so barred. You will now cease to process all data relating to me and remove from your records. I am fully aware of the OFT Guidance on Debt Collection 2003/2012 and the sections regarding the pursuit of statute barred debt. Final Response. ----------------------------------------------------------------------------------------------------------------- Sorry should have probably laid it out better but I am not confident with all this technology. How am I to proceed now? I dont see how one Lloyds account is now statute barred but they have found another account. Have only ever had one account and I am certain not for that sort of balance. Any advice greatly appreciated. Thanks.

Wonder if anyone can help with advise? I fell behind on credit card a few years back and buried my head in the sand and they sold the debt (£ 1,700 ) on to BW Legal who contacted me, I still buried my head in the sand stupidly until they sent a letter saying they knew I was a home owner and would be looking to make me bankrupt, it was enough for me to listen and an arrangement was made to repay at £150 per month and no more legal action would be taken. Moving on to February this year all payments completed on time, thought it was finally finished as the correct amount of payment made and the said amount finished. I then received a letter in April stating there was an amount of £1 left on the account and if it was not paid they would issue county court! I was actually amused at first but then got angry as the £150 per month had been a real struggle but had done my level best to sort it out and stupidly I put it to the back of my head! was that ever a wrong plan. I have received a ccj notice in the name of Lowell Portfolio acting for their client BW Legal, it is the same reference number and original amount, however they are claiming £552.03 + £60 court fee + £70 solicitors cost a total of £682.03! how? I contacted the court with the appropriate paper work including copies of the payments the final letter from them and questioned how another £552.03 could possibly due, this was my defense and really thought that someone with an ounce of sense would deal with it accordingly. No such luck I have now had notice they are going to proceed if I do not pay the full amount. I have contacted them and they said if I pay up before the ccj date they will drop the court charge and solicitor charge off. So again I request from them a detailed account and an explaination of where the £552.03 has come from, the reply was the account had not been paid in full ( that £1 remember) so they have applied interest and the amount is back dated from the start of the agreement assignment. Is this legal? how can they send me a letter saying £1 is left owing and then go to court for £552.03? I just do not see how to move now, I do not want to go to court and loose but the thought of having to pay the £150 a month again till the interest is paid has got me and the wife right down, just when we thought we had dealt with it, any help please>>

I guys need some help been sent a claim form from Northhampton CC on behalf of Lowells Portfolio Ltd and Bryan Carters Solicitors regarding a debt we have no knowledge of, seems a bit cliché but we actually do not know how we have this debt. Out of the blue we had a letter two days ago regarding their intentions and then voilà the claim for arrived. I have dealt with debt agencies before but never has the happened so fast, I really need some help and advice on how to deal with this, Thanks

Portfolio Recovery Associates contact me by telephone every few days. Most days it's an abandoned call with up to 45 seconds of silence before the recorded message kicks in (that's been reported to OFCOM) but today I spoke to an actual person, something that happens maybe once a week. Every time I talk to someone there, I do the usual refusal to go through the security questions and advise them to put it in writing. I have as yet, received nothing in the post from them. I asked the caller to have a look at my file on her screen and tell me how many times they've written to me. Once, was the answer, in March. I didn't receive this. I asked why they hadn't written since, when I had asked every operator I spoke to to put it in writing. She claimed that they are unable to send me any contact by post until I confirm my address, postcode and date of birth by telephone. I asked her to confirm that this is correct and reminded her that, according to her, the call was being recorded for training and monitoring purposes. She got quite flustered but repeated that they are unable to do this. This can't be right surely?

I had a loan with Wonga, which as far as I am concerned,it is paid off.I have the receipts of payments made. But last November,I made my payment into Wonga's HSBC account, only to find out at a later date, they had changed to Barclays. After numerous emails to them (not replied to) and phone calls, they could not find the payment. So I sent them the computer print out of the transaction in the beginning of May, which HSBC gave me. My last payment to them was in February. I have just checked my Wonga account out of curiosity,to find this ........ IMPORTANT: YOUR DEBT HAS BEEN LEGALLY ASSIGNED TO PORTFOLIO RECOVERY ASSOCIATES U.K. LTD Then, there was something about payments to be made to this company and a letter will be sent to me. Do I email or phone Wonga, or do I wait until Portfolio contact me, then send them the computer print out. Regards,John.

I have been mailing Lowell Portfolio about 2 Barclays debts from 2007. I understand from reading post that the debt is now Statue Barred, When I asked for a DSAR they forward 2 copies of account statements with 2 payments on. one for £1 and one for £2. I know I have never paid the anything ever. Your advice would be gratefully received!

Hi folks hope you are able to help stupidly i took out a pdl with wonga in 2011 for £607 plus interest =£787 was due to be paid on 19th jan 2012, various things happened eg loosing job etc, my own fault i failed to contact them. Now this week end what drops through the door CCJ claim form for £1560.53 claiment portfolio recovery associates docs address hl solicitors i know i will have to pay it back but my question is on the claim form they state they got assigned the debt on 18/09/2013 the claiment seeks interest pursuant to 69 of the county courts act 1984 at the rate of 8% per annum from the date of issue continuing at the daily rate of 0.31 what would the interest total on it and would the court cancel the interst??? thanks in advance im stupid i know

Good morning all, I am looking for some help RE a recent CCJ from BW Legal / Lowell. I received the Claim form in the post 10/12/2013 which as i agree that i owed the £1,519.59 I returned via special delivery 16/12/2013 detailing repayment terms. When i received the judgement for claimant I dated 21/01/2014 I spoke with my employer and they paid the sum in full immediately as i cannot have a CCJ working in a regulated business. On 04/02/2014 I paid the sum in full over the phone and obtain payment authorisation code. I explained to BW legal that I required a written confirmation so that i could inform the courts. The person on the phone was helpful and we spent some 15 minutes setting up some security questions enabling him to send me a secure email. This email never arrived so I called BW Legal and complained. Long story short this was never received and neither was a hard copy of the letter confirming that I had paid this outstanding balance and settled my account. As this was causing me concern I obtain proof of payment and sent through to the courts and the registry trust, however they both returned the letters? The account needed to be repaid before the 21/02/2014 in order for the CCJ to not get registered on my account! On the 24/02/2014 I received an email letter from bwlegal dated the 25/04/2014 oddly, The content as follows: ' we refer to our telephone conversation of 13th February 2014. A payment of £1519.59 has been received which has been accepted as full and final settlement on the above account. As the account has now been settled we can confirm no further action will be taken.' Today the 24/02/2014 I received an alert from my credit referencing agency. I checked my report on line and I now have a CCJ registered against me and outstanding. What do I do? Where do I complain that i haven't been treated fairly? Unfortunately for me this is a Job threatening issue so I need to get it resolved. I look forward to your help. Regards Richard

Hi I checked my credit file as i got turned down for a mobile phone contract switch over from my partners account. I checked with Equifax and my score was 264 very poor. It was very poor on the basis of 1 debt, everything else is good. The debt in question is a credit card from Lowell Portfolio? Never heard of these people and the balance is for £404.00 and i have no clue what this is for. Would appreciate some advice on what to do? The apparent start date was 05/03/2012 and default date 31/12/2012. Thanks in advance Dani

Received notification from Northampton Court that a claim has been made against me from Lowell Portfolio 1 in respect to Hutchinson 3G with regards to a contract I apparently got in in August 2013, the claim was made through the small claims court for £190. I have not had a contract in my name from that period, I did apply for one but was turned down on my credit status, I have sent my defence in through the money claim website, but I want to know is it illegal for a company to obtain money illegally knowing that you don't have a contract with them?

Have no idea were this debt has come from it was £70 now Rossendales have it,it is now £361.65, this debt is at least five years old ,(4 years)because we have been out of the country. Plus we no longer live at the address that the debt letters are been sent to, saying we need to get in touch in 7 days or else. Not sure I want this bill to get bigger and bigger, but thought it was a con of some sort in the beginning. But feel like getting in touch now is pointless and will fuel there debt collecting fire:!:

Halifax have sold an old overdraft to Lowell Portfolio 1. I have been receiving and ignoring letters for a long time, but have now decided to get my head out of the sand and sort my finances out. The current account the debt refers to has been closed for several years. It was originally opened 02/11/94 and the default date on Equifax is 13/01/10. I have been offered increasingly large discounts from Lowell to settle the account. Most recently they sent me an offer of a 50% discount. Should I consider myself lucky and accept the discount or would it be possible to try for a larger one? I ask as I'm going back into full time education after losing my job and so don't have two pennies to rub together. Any thoughts / advice greatly appreciated.

Had a letter today from the above re an alleged debt. the debt would be sb by now as we have not had debts for over 6 years. the statement part of the letter says 20 apr 11 payment rec'd thank you £5.00 now i know for a fact that this has not been payed by me or my wife. should I just ignore or go to battle? Is there a letter where a phantom payment has been made?

Hi guys I took a loan out with Wonga last year and then came out of work after i paid at least 40% of the loan back as that's all i could afford after i got my redundancy pay with other commitments. So they referred my debt to Mckenzie Hall DCA and they did nothing but hassle me with letters and bombard me with phone calls until i downloaded an app and blocked there calls full stop. Then i started receiving about 3 or 4 letters a fortnight with court action blah blah. So i emailed McKenzie Hall and told them im out of work here is a copy of my JSA Agreement all your getting is £1 a month until i return to work, sadly i am still out of work and kept up the payments until something comes along then ill increase my payment to clear the loan. I heard nothing for about 9 months until 22nd November 2013 with a letter now from Portfolio Recovery Associates so again now im going through all this hassle of chasing there sort code and account number as they have told me to continue paying the payment plan, i shouldnt have to mess around like this as now this is the 3rd time Wonga has gave this debt to someone else to recover and im getting sick and tired of it. Also 9 months ago Wonga offered me a £500 settlement figure which i said was fine and asked if they could reduce the debt to that and id continue to make payments and i would settle it once obtained employment they basically shrugged off my email and when i went higher up to the CEO they said they had no records of this email being sent to me sadly i lost my email account after cancelling my virgin media services so had no solid evidence to support it what is the purpose of these Payday Firms keep changing there recovery companies do i sense something fishy ?

Just had this email from wonga relating to a payday loan dating back from 2010 i think, should i wait until Moorcroft make contact ???????? , have Wonga sold the debt moorcroft, the loan was for £250.00 i think To view this email as a web page, go here. Wonga.com - Little loans, lots of control Dear TOTAL DEBT: £757.38 Agreement Reference: We are writing to you in connection with the outstanding balance on the above account, and the arrears owed to us. We are required by the terms of your agreement to inform you that Wonga.com. have now passed your account to Moorcroft Debt Recovery Limited as of 10th December 2012. Moorcroft Debt Recovery Limited will be dealing with your account on our behalf . In order to avoid further action please contact them at: - Moorcroft Debt Recovery Limited Moorcroft House PO Box 17 2 Spring Gardens Stockport SK1 4AJ Tel: 0161 475 2966 Pay Online: www.mdrl.co.uk Email: customers@moorgroup.com Please note that any and all queries that you may have on your account should now be referred to Moorcroft Debt Recovery Limited. Best regards, The Wonga Team wonga.com Any help would be great to sort this debt out cheers

The wonderful Lowell are chasing me for two debts, one from O2 and the other from Three - even better, they search my credit file every month without fail. Who do I need to SAR to get some info; the original companies or Lowell?

I have been communicating with Lowell Portfolio regarding them processing my data incorrectly. A SAR was submitted and then a complaint was lodged with the Information Commissioner as I believed the SAR had not been dealt with in time. The SAR was sent to them at the beginning of April, requesting they notify me of a charge, however after the expiration of 40 days I sent in a £10 postal order. During this period Lowell wrote to me confirming they had rectified the incorrect entry and offered me £250 compensation. As the complaint was still being investigated by the ICO, I declined the offer of compensation until I received the adjudication from the ICO. I have now received a response from the ICO confirming that "on the basis of all of the information provided by you and Lowell Portfolio Ltd, we have decided that it is unlikely that Lowell Portfolio Ltd has complied with the requirements of the DPA in this case". The ICO have indicated that they believe the SAR was dealt with as in their opinion "Lowell Portfolio Ltd have explained that on 8 April 2013 they received a letter from you dated 2 April 2013 in which you stated you were making a subject access request under the provisions of the DPA. In this letter you also asked Lowell Portfolio Ltd to inform you if there was a fee that should accompany your request. However, before Lowell Portfolio Ltd could respond and make you aware of the required fee to comply with this request they received your further letter dated 14 May 2013 which included the requisite £10.00 fee". Lowell sent the information on the 24th June, bang on the 40 days. Now I may be biased, but I can't help feeling aggrieved at the ICO adjudication in respect of the SAR compliance, especially as Lowell had my address, email address and mobile telephone number and made no attempt to contact me to advise of the fee and the ICO think that over a month is a sufficient time for them not to reply!!! A situation I will have to deal with I suppose, but leads me to the point of my question. As Lowell have breached the 4th and 6th principle, what legal recourse do I have? Unfortunately I am not in the financial position to employ a solicitor at this stage. I understand that I can lodge a claim in the County Court but my dilemma is the level of compensation I should be seeking. I don't want to be greedy, however I don't want the company to get away with it either. Suffice to say the ICO have indicated that they won't be taking any further action against Lowell at this time. Any help/advice/guidance will be greatly received.