We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

help with lowells bankruptcy pertition

My wife is due to go to court on wed for a bankruptcy hearing I have managed to scrape together enough to bring what they falsely say she owes below the £750.00 threshold. I have today contacted Lowells to make a payment and they have refused to take the payment my question is can they refuse my offer of part payment,

Cheers Steve
«1345

Comments

  • steve77
    steve77 Posts: 25 Forumite
    My wife is due to go to court on wed for a bankruptcy hearing I have managed to scrape together enough to bring what they falsely say she owes below the £750.00 threshold. I have today contacted Lowells to make a payment and they have refused to take the payment my question is can they refuse my offer of part payment,

    Cheers Steve
  • eyeopener2
    eyeopener2 Posts: 1,783 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Have they refused this in writing?

    Might be worth just going to the court, telling the judge what you have tried to do to avoid this action by Lowells, and see what the Judge says.

    What does anybody else think?
    I'm Debt Free :j 2/09/2013
    Debt at LBM 30/04/2010 £24,109.38,
  • DevCoder
    DevCoder Posts: 3,362 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Im in two minds, one would be to save the money in case (two) paying them by sending the money as a bank transfer (which would take longer than wednesday to reject) would show the court that you have intentions to pay and that it would fall below the £750 bankruptcy threshold.

    It does depend on your other debts though.
  • chanz4
    chanz4 Posts: 11,057 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    how is it false?
    Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.
  • fatbelly
    fatbelly Posts: 23,266 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Cashback Cashier
    edited 6 October 2012 at 7:38PM
    You can make a payment online and get email confirmation

    https://www.lowell.co.uk/one-off-payment.aspx

    Assuming this is a hearing in connection to a Statutory Demand, the Demand fails if you can produce evidence at the hearing that the debt is less than £750.
  • Lensman_2
    Lensman_2 Posts: 1,506 Forumite
    Part of the Furniture Combo Breaker
    Assuming Steve gets the payment made - what is the procedure for bringing the new balance to the attention of the court?

    I am by no means an expert - but I am assuming that this will be new evidence and (under CPR anyway) would need to be advised to the court and claimants solicitors some time in advance. Or it won't be examined in the hearing?

    Sorry for my ignorance here but I don't want Steve to get a nasty surprise at the hearing.
  • Lou67
    Lou67 Posts: 766 Forumite
    steve77 wrote: »
    My wife is due to go to court on wed for a bankruptcy hearing I have managed to scrape together enough to bring what they falsely say she owes below the £750.00 threshold. I have today contacted Lowells to make a payment and they have refused to take the payment my question is can they refuse my offer of part payment,

    Cheers Steve

    Hi Steve.

    Sorry you have had no reply yet, but it could be that maybe people aren't sure what you're saying. I am confused; what do you mean you have scraped together £750 for what she falsely owes? Bit confused... Can you elaborate somehow?
  • BASFORDLAD
    BASFORDLAD Posts: 2,418 Forumite
    Lowells seem to making a habit of making people bankcrupt these days
    For everthing else there's mastercard.
    For clampers there's Barclaycard.
  • Mouse1812
    Mouse1812 Posts: 630 Forumite
    You can not be made bankrupt for a debt below £750. The OP has not stated how much the debt is. What he is saying he can reduce the debt to less than £750 and Lowells have refused to accept part payment.

    Steve can you explain why you think the amount claimed is wrong.
  • steve77
    steve77 Posts: 25 Forumite
    Hi Mouse

    Lowells are trying to extort £850 out of my wife for an old vodafone bill the actual amount she owes is £350 and its been in dispute since 2008. She out of the blue got papers through the post saying a date had been fixed for her hearing at the county court for wed 10th october 2012. we contacted them saying it was in dispute and that they had not served a statutory demand after much going back and forth they said they would adjurn the court date while they investigate I asked that they put that in writing or email which they said they would do. having not received anything I contacted them on friday to find that the court date was still going ahead. I contacted the court who told me I was now out of time to do anything and my wife must attend court I know realise lowells were just stalling. I have been in contact with national debt helpline they have advised that I get the debt below £750. and that way they cant make her bankrupt they said that buys time to then fight it via oft and offcom. With court fee's the current balance is about £1250. so I have got together about £600. to get it below the £750. threshold and today tried to pay it and they refused saying it had gon to litigation and the litigation dept was closed. so my question is if I phone up 8am monday morning to make a payment of £600 can they again refuse it forcing a court appearance?

    Cheers Steve
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.2K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.9K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.