Lowell letters received for £7k pers loan debt

[Thanks121]

Hi,

looking for some advice please 

I have received quite a few letters from Lowell the amount is for £7000 and I’m based in Scotland (incase that makes a difference) the default date is only 12 months ago ago with original creditor 

this one I received on the 17/07/2023 that I ignored I will copy text here and then post the 2nd one that I just received recently just after this 

Thanks so much for your help again 

 

Dear 

You have not contacted us

You have not responded to our recent attempts to contact you. Please get in touch with our

team by 31/07/2023 to discuss your options for paying off what you owe.

 

Please don't ignore this letter

It's important that you do not ignore this letter. If you don't contact us, we'll review all the

available information, including a review of your credit file, to understand if you're a

homeowner and get an understanding of your financial situation. This will help us decide our

next step, which could include legal action.

Taking legal action would mean instructing solicitors to obtain a Decree to help us recover

what you owe. This could mean fees and interest are added which would increase your

outstanding balance. A Decree would be visible on your credit file for six years.

 

We'd prefer to avoid legal action and work with you directly, so please call our team today on

0333 556 5700. If you'd prefer to manage your accounts without talking to our team, you

can set up an affordable payment plan on our app or website.

 

[dx100uk]

not a letter of claim from their solicitors Overdales so ignore but they dont have to send one under scottish laws.

tell us all about the debt please

thats more important than wasting your time typing out a silly threat-o-gram

and please update your other  SPC CLaim thread

you ran away and never told us what happened after all that help

 

dx

 

[Thanks121]

And this letter I just received …. And mentions being a home owner says they have looked at my credit report 

Dear 

What legal action means
Despite our attempts to contact you, you have not been in touch, or set a payment plan on your account(s).

We have therefore reviewed the information on your credit file and believe that you're a homeowner and we are considering taking legal action.

If we take legal action, this means:
• We will instruct solicitors to take legal action on one, or more, of the accounts listed above.
• A writ or summons dependent on the size of your balance would be issued by the Court demanding payment of the outstanding balance.
• Fees, solicitor's costs, and interest would be added to what you owe.
• If a Decree is granted, we may apply for an Inhibition on your house, which would prevent you from selling your property until you have paid, or apply for an attachment order on your wages, or request that a bailiff visits you at home.

It's not too late to set up a payment plan
It's important that you get in touch with us by 28/08/2023.

You can still avoid legal action by setting up a payment plan on our app or website, or by speaking to our team

Should I be sending a cca request or just wait ? 
 

thanks 

[dx100uk]

5 minutes ago, dx100uk said:

not a letter of claim from their solicitors Overdales so ignore but they dont have to send one under scottish laws.

tell us all about the debt please

thats more important than wasting your time typing out a silly threat-o-gram

and please update your other  SPC CLaim thread

you ran away and never told us what happened after all that help

dx

 

as i said above

TELL US ABOUT THE DEBT PLEASE..

much better to scan letters to PDF please too not waste hours typing them out

layout is as important as words.

 

[Thanks121]

Will update on that page now don’t want to confuse here 

 

so your saying That they don’t need to send for Scotland ? So they can just straight take legal action is that what you are meaning 

 

thanks again 

[dx100uk]

as in that other thread there is no PAP is scotland

however please take the trouble to tell us about what this debt is please complete history

we dont mind giving free advice but its a bit thin when people cant be bothered to give us what is needed to properly advise, thinking they are some super human or we are something you just trod in and wiped away

...

good info is important. 

 

[Thanks121]

Sure I will fill it out ASAP 

So at the moment I should just ignore till I get any legal paperwork through for my debts 

I will definitely keep this updated with all letters I receive as I hope it will help others  also 

The letters and calls and text messages are very stressful but I will do my best to not break 

[Bazooka Boo]

Until you answer the questions DX has asked, no one can advise you whether you should ignore or not.

What is the debt?

[Thanks121]

I will update it asap 

 

it was a personal loan 

[dx100uk]

just checking 

you've not moved since taking it out have you ...although its very rare to get a backdoor decree.

[dx100uk]

open

 

[Thanks121]

Hi,

still not heard anything from other debts as ignored them fortunately my other case was dismissed as can be seen in past thread I did this with all your support much appreciated !!!

I had a heart attack I’m really trying to avoid stress at the moment and would just like to get rid of all this 

today I received 2 letters for different debts both credit cards that are with link financial

I have attached one

the other is actually a little higher I have not called them or requested a cca or prove it letter should I ?

Or just ignore for now just I thought if they say they will pass it on means they have to pass it on to Dentons who seem quite a large legal company 

thanks again for all your help 

the debts default are 2021 / 2022 

……….  Letter bellow debt is with link financial from credit cards ………

19 February 2024

Dear Sir/Madam,

Claimant:

LC Asset 2 S.a r.I.

Link Reference:

Despite our efforts to collect this sum through communication and negotiation the balance of £6700 remains unpaid

We give you 14 days notice that the account will be passed to Dentons UKMEA LLP without further reference to you.

If you want to avoid this course of action contact us urgently to discuss settlement or an alternative dispute resolution on 02920 858755.

Our team are available Monday to Thursday 08:00 - 20:30, Friday 08:00 - 17:00 and Saturdays

[dx100uk]

until or unless you ever get a Letter Of Claim with a reply Pack wanting stuff like I&E on any of your debts.

you are quite safe to ignore everything else. it's simply willy waving. you NEVER EVER Respond

if you do get one. simply comeback here and we will easily deal with it.

dx

 

[Thanks121]

I’m sure I haven’t received that but will double check again

thanks again for your help !!!

If I receive anything I will update here for sure 

thanks 

There is emails from them with a link to a portal from a year ago could it be in There or do they need to send it via post ? 

[dx100uk]

PAPLOC CAN ONLY be sent by surface mail

you NEVER EVER log in to any of these scammers online portals ever, nor ring/email nor send/respond to anything, simply invites pointless letter tennis.

they (A DCA) are NOT BAILIFFS and have ZERO legal powers on ANY debt.

dx

 

 

 

[London1971]

Have you moved since taking out the the Credit card? That's Lowell's MO along with their pet solicitor Overdales.  Find people who have moved and make sure they receive a sneaky backdoor CCJ. This is easily remedied by sending them your current address by post.

Then all you need to do is relax secure in the knowledge that any claim form sent by Overdales can be batted away easily.

[Thanks121]

Thanks 

 

no my address are all current as received letters this one though this time looks like they are using company called dentons ukmea 

[dx100uk]

thats not whats being asked.

since you took out any of the accounts, have you moved and did not inform the OC or if you moved after assignment to a DCA, the DCA - of your move address in WRITING.?

dx

 

[Thanks121]

I would have to double check definitely not moved since it been assigned to the DCA since 

I could possible check to see what address is on my credit report to these debts 

thanks again for your help 

[dx100uk]

ok good so the OC would have had your correct address , thats all were are checking.

sometimes we get people that had moved and never told their creditors.

dx

 

[Thanks121]

Yes I’m pretty sure they would they have been sending me letters to my current address for about a year now 

 

my default definitely started while at my current address also 

once again thanks for your help 

 

[dx100uk]

you're not grasping this again....

so you have moved within the time of the credits cards/whatever being taken out and today?

the owner of a debt, be that the OC or a DCA writing to any address is NOT proof they legally know you live there,

they are phishing letters to see if you respond.

then if you dont and you HAVE MOVED to where you are now from and old address,

they are quite legally entitled to file court papers to the old address = backdoor CCJ

[Thanks121]

Ok as I said I’m really not 100% sure I would need to check my credit file I think is the only way to check as I don’t have access to any of these old accounts anymore 

or what would you suggest ? 
 

thanks

[dx100uk]

have you moved? when was it?

dx

[Thanks121]

Yes I moved just over 5 years ago but I’m not sure the accounts where new them or I changed The address 

the accounts I have no access to any more 

my last default on then was around 2 years ago 

thanks