HFC paid PPI refund to Lowells

[BASSETT]

Posting for a friend,

currently in dispute with Lowells,

claiming for statute barred debt (Scotland), os balance £380 which originated from HFC.

 

Reclaimed PPI from HFC and was offered £280 which he accepted.

 

Ph HFC today enquiring where monies were and was told they had paid the monies to Lowells.

 

He wasn`t informed at anytime this was going to happen.

 

If a PPI refund is for monies he has already paid for missold insurance,

can they legally give this to Lowells?

Any advice appreciated.

[ims21]

In Scotland the debt is extinguished after 5 years under SB.

 

So first off....is your friend absolutely sure it is SB?

 

Did Lowell buy the debt and was a "Notice of Assignment" received OR do HFC still own the account?

[BASSETT]

Hi he is positive it`s SB, he cannot remember receiving a Notice of Assignment and received letter from Lowells few months ago chasing debt so he assumes they have bought the debt from HFC

[ims21]

It would be useful to know the wording of the Lowell letter please.

[BASSETT]

The first one is a statement of account saying he is due £380 as he has fallen behind with payments.

He is in dispute over the SB as they claim he made a payment in July 2007 therefore debt is not SB.

 

He has asked for proof of this payment as he was unemployed at this time

and had already fallen seriously behind with other debtors,

so he knows he did not pay it, but he has not received proof yet.

[BASSETT]

He has received letter from Lowells today, dated Monday, reminding him of £380 he is due, no mention of the PPI they have received.

Letter advises they will obtain credit file and issue proceedings etc etc.

[ims21]

Can you either post up the first letter he received from Lowell or type it up if you can't post it.

 

If posting use this method

 

Dx100 – Instructions on uploading pdfs

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

go to one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

[dx100uk]

urm........

 

only £280 for a PPI reclaim?

 

me dont think that is correct!

 

what was the debt/account?

and when did he take it out?

 

dx

[BASSETT]

Hi it was for electrical goods taken out from a superstore about 7 years ago and the total amount was £900 approx.

 

The letter he received from Lowells states,

 

"Statement of Account, This Notice is being given to you as required by the Consumer Credit Act because you fell behind with your payments etc etc."

 

Goes on to give statement date and amount outstanding.