Received CCJ threat

awoken

At the top of the CCA letter I have to type in

"Re:− Account/Reference Number "

Is that the part under my Lowell A/C section which reads
"Lowell ref No."

or the section that reads "Credit agreement ref No."

The number in template is 16 digits long (sames as the credit agreement No.) but my Lowell A/C ref No. is only 8 digits long.

On my 2nd debt letter the Credit agreement ref No. is only 8 digits long & not 16 digits like the 1st letter?

Sorry I'm confused & assuming its the one above in bold to use.

Fribourg

awoken wrote: »

The bank manager also said that Lowell Group cannot take more than the agreed DD amount per month

I was making reference in case you were paying them over the phone by card, they would have the details, and could get more money further down the line.

awoken wrote: »

On my 2nd debt letter the Credit agreement ref No. is only 8 digits long & not 16 digits like the 1st letter?

in case of doubt, and if both are te same account put both as

Reference: xxxx xxxx xxxx xxxx / xxxxxxxx

that way you are covered me thinks

awoken

Fribourg wrote: »

I was making reference in case you were paying them over the phone by card, they would have the details, and could get more money further down the line.



in case of doubt, and if both are te same account put both as

Reference: xxxx xxxx xxxx xxxx / xxxxxxxx

that way you are covered me thinks
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OK thanks for your help

Mrs_Ryan

northerngirl30 wrote: »

ring your mobile service provider, say you have been getting nuisance calls and they should change the number free of charge for you! I had to do it with orange and they were nice about it... I might have said it was an ex boyf hassling me not debt collectors but I was still being harrassed! ;-)

Not necessarily - Vodafone charged me £25 to do it when Reliable Collections were harrassing me :eek:

awoken

Just an update to say that the letters have been sent. I have received a reply saying they're happy to reinstate the original payment plan which was agreed. Also 2 more letters stating that the accounts are on hold?

Anyway the best bit was where they tried to use scare tactics or at least try to make me paranoid by writing to tell me that they were sorry I had been made to feel unhappy with Lowell Group due to reading my posts on this site. How would they be able to even know who I am on this site as they would need to know my username for a start?

Or are the site admin giving out personal & private details of it's users to these companies? I mean, I know registering to anyone or anything actually gives them the authority to own what has been registered to them ie. on this site, your username. You register meaning the site/admin own your username & allow you to use it, but as for my personal details, they should be kept private. Or at least I thought.


I assume they know where the template letters are from & try to come across as though they are 'watching' people & what they're up to. Invasion of privacy I think - if it were even true :T

A bit patronizing too I thought. I think I might ask for proof of my posts & which posts that they're referring to as well. Plus how they were able access my personal/private information (which I used to register with) to then find out my username, to then read my posts.

They are already in receipt of the original agreement with the original creditors apparently. so I should be receiving both of those with in the next 12 days.

I thought it was illegal for a third party to chase a debt from another company, which they do not have the original signed contract for.

awoken

Another update.

I received a letter stating that I needed to give Lowel Group 12 days (as written in my template letter) before sending the 2nd letter template off to them. They hadn't supplied any evidence of the original credit agreement, even though they wrote & told me they were in receipt of it.
Then I get another letter stating that to be able to send the 2nd letter template (giving them another 30 days to supply the original credit agreement), I needed to first send the previous (12 day) letter template???

:T

Still doesn't explain how they are reading my posts on here or how they know who I am? :rotfl:

All letters have been sent RM 1st class recorded/signed for. I have made no payments to them since.

fatbelly

Unless you've told them, they don't know who's helping you and it doesn't matter anyway.

If you have requested the signed agreement, sent £1, and 12+2 days have passed, then the debt is unenforceable and remains that way until they comply (which they can do by providing a reconstituted document).

You don't need to do anything. Neither should you. The ball is in their court.

To repeat what I said earlier 'I wouldn't trust Lowells with a Direct Debit' It is cancelled, isn't it?

sp1987

awoken wrote: »

The 2 letters threatening a CCJ.

I haven't got time to attend court & any letters I receive will be ignored anyway. I am tempted to contact Lowell Group about the payments, but I think it might make things worse?

If you do get any court papers please post immediately to state what has come as you will need to reply to them or they could obtain judgment in default if you do not reply/defend.

If they send any fake letters from in house lawyers (or worse, just some random employee) tell us about that too.

Did the letters threatening a CCJ actually threaten a CCJ or threaten litigation/legal action? The former is very dodgy, the latter is perfectly acceptable.

I love the way that they get all these MSE letters and know that is exactly what they are getting. It must be unfuriating for them getting the letters from people they know would not otherwise be able to send them. I love also how they asked you to hold back on the 2nd letter, because they probably know off by heart what it says and when to expect it and that you'll be busy downloading it and not signing it in handwriting :rotfl:. That is some sort of justice that is, must drive them potty.

awoken

fatbelly wrote: »

Unless you've told them, they don't know who's helping you and it doesn't matter anyway.

No I haven't told them, but like you say, it doesn't matter anyway.

If you have requested the signed agreement, sent £1, and 12+2 days have passed, then the debt is unenforceable and remains that way until they comply (which they can do by providing a reconstituted document).

I assume I'm hoping for them to not produce the document?

You don't need to do anything. Neither should you. The ball is in their court.

To repeat what I said earlier 'I wouldn't trust Lowells with a Direct Debit' It is cancelled, isn't it?

The direct debit is no longer active.

awoken

sp1987 wrote: »

If you do get any court papers please post immediately to state what has come as you will need to reply to them or they could obtain judgment in default if you do not reply/defend.

If I do receive any court papers I definitely will post up on here what they say
If they obtain judgement by default, what will the judgement be?
Will I just be asked to pay x amount plus court fees? (something like that?)

If they send any fake letters from in house lawyers (or worse, just some random employee) tell us about that too.

I will, but how would I know they're fake?

Did the letters threatening a CCJ actually threaten a CCJ or threaten litigation/legal action? The former is very dodgy, the latter is perfectly acceptable.

I think I posted previously what the letter states (?)
It was something like; if I don't pay Lowel Group then I'll have additional fees plus a CCJ against me.

I love the way that they get all these MSE letters and know that is exactly what they are getting. It must be unfuriating for them getting the letters from people they know would not otherwise be able to send them. I love also how they asked you to hold back on the 2nd letter, because they probably know off by heart what it says and when to expect it and that you'll be busy downloading it and not signing it in handwriting :rotfl:. That is some sort of justice that is, must drive them potty.

I posted the 1st letter on the 4/1/11, so they should have received it on the 5/1/11.
The 2nd letter was posted on 24/1/11, so they should have received it on the 25/1/11.

If my maths is correct, taking off weekend days, that works out bang on 12+2 days before they received the 2nd letter.