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.