Lowell & HFC

[lowell & HFC]

Hi there,

 

Im new to this forum n need some help.

 

Received couple of letters from Lowell to contact them which i ignored,

 

then got a letter again stating that HFC Bank Ltd have sold my account to Lowell portfolio I Ltd on 17/10/2013

i owe £7k for the account XXXXXXXXXXX to them now.

 

I wont lie but yes i recall taking a loan of about £6k from HFC in 2008

but had some financial difficulties, paid only few instalments, had to leave the country.

 

I checked the forum and came to know about SB and

 

if im not wrong my last payment was made somewhere in march 2008

so im hoping that my account will be barred in march 2014.

 

Please advise what to do in the meanwhile.

 

Many thanks.

[ims21]

Hi and welcome to CAG.

 

I have moved your thread to the Debt Collection forum.

 

Your SB date will be determined by the date on which you breached the contract and to be precise you would need to look at the Terms of the agreement.

 

Be aware that Lowell are being quite aggressive at the moment and may issue a Statutory Demand or take other court action.

[lowell & HFC]

Many thanks for a quick reply CAG.

 

..unfortunately i don,t have the documents stating terms and conditions

 

but the last payment was made to them in march 2008..

 

what should i do next???

[ims21]

If you send Lowell a CCA request they must provide the agreement details within 12 + 2 working days. If they cannot provide the information then they should not be able to enforce it in court.

 

The information to bes sent to you must include the terms and conditions which will then help you to establish the SB date more accurately.

 

There is a template for a CCA request in the CAG library, the link to which is at the top of every CAG page in green. There is a statutory fee of £1 which you should mark "For Statutory Fee Only".

 

The other alternative is to do nothing but as I said, Lowell can be an aggressive lot and they may start legal action.

[lowell & HFC]

Thanks a lot Ims21.

 

..i will write the CCA request letter to them.

 

..i initially thought this letter is only for credit cards debts,

 

thanks again for your help.

 

should i also check my credit score to know the exact dates of default payment?

 

?will it show on my file??

[dx100uk]

i'd also send an sar to HFC

 

never known a debt not inflated by PENALTY charges

nor PPI/compulsory insurances

 

dx

[lowell & HFC]

Hi dx100...sorry but i do not have much knowledge about PPI/insurance

 

..can you please tell me what is meant by debt not inflated by PENALTY charges nor PPIicon/compulsory insurances.

 

 

..sorry again asking this silly question.

[dx100uk]

type in HFC

 

in the search top right of our grey toolbar.

PENALTY charges like late/over/letter/debt management/DD return etc

 

PPI as in payment protection & other related 'compulsory' insurances

you were told you had to take out

 

never known an HFC 'debt' not to include these

they are reclaimable at THEIR int rate.

 

see below

 

dx

[fkofilee]

You said you had to leave the country.... Are you still away from the UK?

[lowell & HFC]

Hi Guys..

 

Could not write for a while due to health issues..

 

hope you all had a good x'mas.

 

Yes fkofilee im in the UK..

 

Well i also checked my credit report few days ago

 

..no such HFC account is showing up on the report.

 

.i will not lie but i did have some other credit card

and one mobile phone default and these are still there as closed accounts..

 

I thought as nothing about the above account is mentioned in my report,

 

is it still worth asking for a CCA from lowell or SAR HFC???

[dx100uk]

no debt under Lowells the same value?

 

sar is a must here.

 

hows the cca going?

[lowell & HFC]

Yes...there is nothing in my credit report of similar value or under the name of lowell or HFC that's why i have not written to them requesting a CCA..

[lowell & HFC]

Hi dx100uk..

 

.just to update you about the above.

 

.after a few more similar letters from lowell

 

now got a letter from them stating that they are forwarding my account to some RED agency

and has also offered to reduce the amount by 25% in one of the previous letter.

 

..checked my credit profile again but nothing under HFC or lowell.

 

what should i do next??

[dx100uk]

nothing

 

red are lowells!!

 

dx

[dx100uk]

sent that sar yet?

 

dx

[lowell & HFC]

Thanks for the quick reply...as i initially thought there is nothing on my credit file under hfc/lowell i did not sent the SAR...i will send it now as you say.thanks again.

[lowell & HFC]

just to ask one more thing..

 

.my wife was also getting letters from lowell for a 5.5 yr old PC world product/hfc debt of 600

for which we sent them a CCA request on 17/12/2013 and

 

received few letters back from them stating that they are in touch with HFC

and her account is on hold till then.

 

she received the copy of her CCA today including her signature..

 

does she still have to pay even though lowell is over the 12+2 days ??

[ims21]

Essentially yes, if the debt is valid. They can now continue pursuit of the debt.

 

Having said that, have you received the correct paperwork i.e. a copy of the agreement (or a recon of it), the T&Cs at inception and any changes and a statement showing the amount due? If any are missing then they have not complied.

 

Also look to see if there are any unlawful penalties on the account or PPI which could be reclaimed to mitigate the amount owed.

[dx100uk]

I bet theres ppi on it!

 

always was on those pc world agreements

the tick box was pre typed!

 

dx

[lowell & HFC]

Hi dx100uk & ims21,

 

sorry for the late reply..

 

checked the copy of wife's HFC debt

 

,it states No in the box of PPI.

 

it further states that if you have chosen optional PPI,

 

then the monthly PPI Premium will be equivalent to 16 % of your monthly repayment amount

or such other % as we may notify to you from time to time.

 

Monthly PPI Premium £N/A.

[dx100uk]

scan it up please

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

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

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[lowell & HFC]

Statements.

[dx100uk]

oh I see loads of unlawful admin fees

 

time to get reclaiming at THEIR int rate too.

 

dx

[lowell & HFC]

Thanks dx..

hope this is better..

[lowell & HFC]

Hi dx..

 

What should I do next??? Have you checked my last post where I have scanned the letters again??

 

Thanx.