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Lowell's chasing old HFC personal loan plus debt


Eagle1977
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There were a number of computer generated statements, the credit agreement and a covering letter from Lowell's. Yes it was a consolidation loan. I'm not 100% sure when the last payment was maybe 3 - 4 years and I have not acknowledged the debt since then. The statements do not appear to show when the last payment was?

The statement provided with a CCA request Must be current showing the up to date balance only.

 

 

If you want more statements etc., then a SAR is the next step.

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aha the old personal loan plus dodgy accounts

 

they were always loaded with all manner of insurances

that the advisor made compulsory to get the commission out out you

 

with those and ptob PPI and late fees from the consol loans

 

 

the reclaim will go direct to your pocket

 

then if it turns out you owe anything at all

 

pennies to pay lowells off

 

attachment of the agreement shows account number

 

redact them please

and re up load

 

get that SAR off.

 

see the threads by IMS21

had the same issue

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi

 

I will send the SAR tomorrow. Would anyone have an up to date address?

 

With regards to the PPI, interest, admin fees etc. these were all applied way after 6 years ago. Ie: 2001, 2002, 2003

 

Could I request that Lowell provide me with details of the last payment just in case it is statute barred?

 

Regards

 

Eagle1977

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you said you made a payment in the last 4 years

Therefore Not statute barred.

 

6 years is not a problem there is case law to claim back further

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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  • 2 weeks later...

Just a quick update.

 

I had a letter from Lowells today. It contained more information.

 

Photocopies of bank statements

Photocopies of credit cards

All manner of different paperwork with regards to the loan

 

I think they have me on this one. Although, they seem reluctant to provide me with the last payment date and amount, despite me asking them twice?

 

Should I just make an offer of payment the attempt to claim administration fees, PPI and interest?

 

Please help

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redact and scan up

 

why are lowlife sending you credit cards stuff

or is this the result of the SAR to HFC.....

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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redact and scan up

 

why are lowlife sending you credit cards stuff

or is this the result of the SAR to HFC.....

 

dx

 

Hi Dx

 

Thanks for the reply.

 

It appears to be a credit card statement,

HSBC loan agreement and Barclays Bank account statement

that I must have used for ID purposes for the HFC loan.

 

I've got stuff from equifax confirming my address at the time.

My old employers details

A computerised approval notice from HFC

All my outgoings and incomings at that time

Who the loan was paid to (consolidation loan)

Outstanding debt to income ratio?

Credit bureau data display?

CAIS Credit bureau data display?

Financial details

 

Your income protection needs

Schedule for life, disability and unemployment insurance

 

And a single premium of £1152.08 paid to Hamilton Life assurance.

 

It says on this page "I understand that all of these insurance policies are optional and not a condition of any loan facility"

 

I specifically remember the advisor saying the loan was offered on the condition I take out the insurances!!

 

Thanks

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You said that there was a CCJ on this from years ago?

 

If that is the case then Lowell cannot take the same thing to court again.

 

Revert to the the original posts in the thread, they would need to apply to the courts to enable this to be enforced.

 

Are you 100% sure that the other side got a CCJ for this particular account?

 

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Just seen that you were making payments up to 2010. Was that to HFC after they got the CCJ?

 

Hi

Thanks for the reply.

 

I've been sent so much information from these people. However, there is nothing showing that it went to court or that I had a CCJ.

 

This debt did go from DCA to DCA. I have computerised statements from 2001 - 2003 according to these statements the last payment was made in 2003? But, it was being paid up until 2010 via a debt management plan. I don't even know who was being paid one of the debt collectors.

 

I have contacted Lowell 3 times to ask when the last payment was made and for how much. But, they keep saying the are unable to give me that information unless I provide them with my DOB. To which I have declined.

 

Thanks again

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Hiya

 

Ok I done it at the address where I received the CCJ. It says on order & judgements and High Court Judgements : nothing registered? I definitely received a CCJ because I got the paperwork from Northampton Court?

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did you get that SAR off to HFC.

 

looks like you might have lots of PPI to reclaim & life ins

 

and I bet the previous loan had it too

 

as for the CCJ

 

its more than 6yrs old

no-one even trustonline will have record of it.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Dx

 

Yes the CCJ is well over 6 years ago.

 

I have sent the SAR to HFC

 

Once I get the SAR should I go for the PPI and insurances? my concern is LOWELLS. They recently stated that if I do not contact them within 7 days with a payment plan they will begin legal action

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no read the letter properly

 

it does not say WILL anywhere.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no read the letter properly

 

it does not say WILL anywhere.

 

dx

 

Hi Dx

 

Sorry I've read it again. It says 'we reserve the right to start legal action without further notice'

 

I do get carried away because you guys are the only people I can talk to about it. I have kept it from my girlfriend.

 

I just hate and want to sort it out asap

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who was that dmp with?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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