Lowell, BW Legal Court Claim.

Hi can anyone help me here I received a court claim from BW Legal/Lowell dated 15 January 2015. Lowell claim I owe this debt and have sent me numerous letters. I have not paid anything to Lowell certainly in the last six years and longer. I have checked four main credit scores (Experian, Equifax, Noodle and Callcredit ) and nothing appears on any of them. We originally had a loan with Capital Bank and a credit card IE the preference account was part of the loan. The account was held against our property and when we sold in 2009 the loan was settled in full by our solicitor who oversaw the sale of the property. We have asked Lowell to provide us with more information but they just send us a copy of the agreement from 1998. I have replied to the court to say I am defending. I sent a letter (copied from this site) asking B W for full disclosure this was signed for by them on the 23 January I also sent a letter to Lowell and included a £1.00 postal order. To date I have received nothing from Lowell and two letters dated 16 & 17 January from BW Legal asking me to call them to arrange a payment plan. What is our next step? Please help.

:tinysmile_cry_t:

Lowell, BW Legal Court Claim.

Lowell, Lloyds and Statue Barred or not Statue Barred that is the question?

Hi all and thanks in advance.



I had 2 accounts with Lloyds back in early 2000 one on my own and one joint(joint account i settled the balance a couple of years ago the individual i have problems with). In late 2007 i lost my job couldn't get another and subsequently ended up losing my house to a Repossession in April 2008. A debt that even to this day i am still paying and still have more than 10k left to pay.



In an attempt to stop bleeding money i stopped using my LLoyds account. The last action i had on my individual account was January 2008 and since then i have paid nothing into the account. I told LLoyds (not in writing that i was having trouble, but they didn't give a monkey's and to be honest at this point neither did i, i was going to lose my house my wife etc so what difference did this make?) A couple of things about this account, first i had no overdraft facility and second it was a fee account £7.95 per month.



Lowell have been chasing me for this for a while so i asked for CCA apparently this is not relevant as current account, i have disputed the account etc and they still not accepting. I have today received statements from Lowell along with a demand for the outstanding balance of circa £1500 for an unarranged overdraft which is made up entirely of charges including bounced Direct Debits, Charges and Account Fees. From April 2008 the only activity on this account is the O/draft interest and the Account Fee No bounced anything DD or otherwise. (I must stress i had no overdraft on the account).



These fees and charges were added to the account for over a year until May 2009 when Lloyds decided to close the account, this is when they defaulted the account with the Credit Ref Agencies. The last action i had on the account was 18 months prior to this in January 2008 but they didn't default the account until May 2009. I thought Statue Barred was from the last acknowledgement of the debt so Jan 08, yet because it's a current account i'm being told it is from the default date. (So when Lloyds decided to close the account)



So am i statue barred from January 08 - 6 year 11 months

Or am i statue barred from May 2009 - 5 Years 6 Months (6 months Remaining)



I'm lost, is this account statue barred? Is it still enforceable? Do i fight this? do i offer to pay it off (not that i'm in a position too)



I was finally getting things back together and i know it's only £1500 but with 10k plus still outstanding on a house i don't even own i beginning to wonder if going bankrupt is the best solution.



Thanks for taking the time to read and reply i really do appreciate it.

Lowell, Lloyds and Statue Barred or not Statue Barred that is the question?

Lowell, Bryan Carter, o2

Hello everyone,



I'm hoping you can help me with this if possible. My mum has received a court claim form from Bryan carter solicitors on behalf of lowell about an o2 mobile contract. She has no idea about this contract and I've never seen her with a phone. She is quite old and doesn't use mobiles yet they still have an account number listed on the claim form. It says this debt was purchased by lowells a few years ago. She has a mental disability and is quite forgetful so i can't be 100% sure but i'm 99.9% sure that this never existed. I have acknowledged the claim on MCOL and now have to prepare a defence. I have no legal experience and therefore have no idea what to write. Can somebody please help me here? What should be her line of defence? The particulars of claim are shown below:



THIS CLAIM IS FOR XXXXX, THE AMOUNT DUE UNDER AN AGREEMENT BETWEEN THE ORIGINAL CREDITOR AND THE DEFENDANT TO PROVIDE FINANCE AND/OR SERVICES AND/OR GOODS.

THIS DEBT WAS ASSIGNED TO/PURCHASED BY Lowell Portfolio Ltd, ON XX/XX/XXXX AND NOTICE SERVED PURSUANT TO THE LAW OF PROPERTY ACT 1925

PARTICULARS RE - O2 (UK) Ltd A/c No XXXXXXXXXX

AND THE CLAIMANT CLAIMS XXXXXX

THE CLAIMANT ALSO CLAIMS STATUTORY INTEREST PURSUANT TO S.69 OF THE COUNTY ACT 1984 AT A RATE OF 8% PER ANNUM FROM THE DATE OF ASSIGNMENT OF THE AGREEMENT TO DATE BUT LIMITED TO A MAXIMUM OF ONE YEAR AND A MAXIMUM OF 1000 AMOUNTING TO XXX.



Any help would be much appreciated. Also I've read that I should send a request to produce documents, can i email this request or does it have to be posted?



Many Thanks!

Lowell, Bryan Carter, o2

lowell,red and arrow global...advice needed...please..

hi, not sure if i'm following correct protocol in asking this on this forum...but I am currently getting letters from Lowell/red and drysdenfairfax regarding Barclaycard and a capital one card.....none of which I have held since 2008....I was made redundant at this time and wasn't able to make payment.....haven't heard anything from either until recently when I started getting letters from the above companies....as yet I have just ignored them but the letters are becoming more and more frequent and ive started to get phone calls too.any advice would be greatly appreciated...

thanks in advance...

lowell,red and arrow global...advice needed...please..