Lowell and Overdales

[London1971]

When did the debt default? When did you make the last payment on it?, Have you moved address since taking the debt out? How much is it for and who is the original creditor?

 

[London1971]

The most important question here, is Have you moved since taking out the loan? I say this because Lowell love an easy target, and if you haven't kept them updated with your latest address in writing, you are one big bulls eye. Do not be fooled by receiving letters to your current address, you can guarantee that the actual Claimform will go to an old address, and next thing you know there is a CCJ in your name.

 

Lowell's business model is to buy the cheapest, most unenforceable debts, for a few pence in the pound, secure in the knowledge that many of them will be an easy win, to an old address AKA Backdoor CCJ.  The very good news is that for the price of a first class stamp writing to Lowell, you can insulate yourself with a simple statement ' I  insert name, currently live at insert address.

 

Then to double insulate yourself, send Lowell a CCA request, they never come up with the goods. Do not pay them anything or contact them in any way, unless you receive a claimform (highly unlikely if you do the above), then you post on here for advice.

 

I have had 2 CCJ's from Lowell, learnt the hard way, went to an old address, but once I'd taken the advice here that never happened again.