Help to deal with Lowell

sourcrates

AmandaC18 wrote: »

Should I email them all the proof it letters again? Thank you so much for all your help !!!55357;!!!56842;

Just say you have already written asking for proof, and they have failed to respond to you.

And that you would appreciate it if they would provide proof of liability for each account mentioned.

CakeCrusader

They take ages to reply to a prove it letter, they took almost a month when I sent mine (and the response was incorrect as they had the years wrong). I wouldn't contact them unless you have to.

AmandaC18

Sour crates Lowell have sent me out bills from 2 of the companies and a contract with no signature from the other company and saying they have sent out what was asked and to set up payment plan. What do I do now? Are bills/invoices proof?

fatbelly

AmandaC18 wrote: »

Sour crates Lowell have sent me out bills from 2 of the companies and a contract with no signature from the other company and saying they have sent out what was asked and to set up payment plan. What do I do now? Are bills/invoices proof?

No, what sort of debt are these 3? Credit card? Mobile phone?

AmandaC18

One is credit card one is mobile and one is Bt which I have disputed. What do I do know? Do I send a letter?

fatbelly

Hopefully sourcrates will be here in a minute...

You can continue to deny liability on the grounds that they have not provided proof but the two phone contracts would not have needed a signature.

It may be worth posting a statement of affairs so that we can see whether repayment or insolvency would be his fallback position if Lowell took court action.

sourcrates

Hi,

You said in your initial post you had not made payment to one of the debts in more than 6 years, which debt would that be ?

Proof for credit card account should be in the form of a credit agreement, the other two phone accounts would probably suffice with what they have sent you.

Do you recognise the debts at all ?
SOA is a good idea.

Just_Di

AmandaC18 wrote: »

One is credit card one is mobile and one is Bt which I have disputed. What do I do know? Do I send a letter?

My suggestion is to send Lowells a s77-79 CCA Request for the credit card debt including the £1 statutory fee. If they can’t comply with your request within the statutory timeframe the debt becomes unenforceable until or unless they do comply.

Who was the original creditor for the credit card and could there have been PPI involved?

Mobile phone accounts are service contracts so the s77-79 CCA wouldn’t apply to them unless this was O2 and the contract included a handset so there would have been a ‘split tarrif’ with the handset element provided as a regulated agreement separate from line rental. I think they began doing this in about 2014 and on all upgrades since.

Di

AmandaC18

Sour crates...it is the credit card that hasn't had a payment for 6yrs approx maybe longer. This is SOA approx done the income is correct and majority of outgoings some are just estimated.
[tt]Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 700
Partners monthly income after tax....... 1384
Benefits................................ 632
Other income............................ 0
Total monthly income.................... 2716

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 216
Rent.................................... 566
Management charge (leasehold property).. 0
Council tax............................. 120
Electricity............................. 321
Gas..................................... 0
Oil..................................... 80
Water rates............................. 0
Telephone (land line)................... 30
Mobile phone............................ 20
TV Licence.............................. 38
Satellite/Cable TV...................... 90
Internet Services....................... 30
Groceries etc. ......................... 400
Clothing................................ 40
Petrol/diesel........................... 300
Road tax................................ 10
Car Insurance........................... 31
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 60
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 5
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2457


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 3000.....(216)......0
Total secured & HP debts...... 3000......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Amigo loans....................5000......296.......0
A&l............................1500......116.......0
Walker love....................1000......76........0
Total unsecured debts..........7500......488.......-


Monthly Budget Summary
Total monthly income.................... 2,716
Expenses (including HP & secured debts). 2,457
Available for debt repayments........... 259
Monthly UNsecured debt repayments....... 488
Amount short for making debt repayments. -229

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -3,000
Total Unsecured debt.................... -7,500
Net Assets.............................. -10,500

[/tt]

anna_1977

AmandaC18 wrote: »

Sour crates...it is the credit card that hasn't had a payment for 6yrs approx maybe longer. This is SOA approx done the income is correct and majority of outgoings some are just estimated.
[tt]Statement of Affairs and Personal Balance Sheet

Household Information
Number of adults in household........... 2
Number of children in household......... 3
Number of cars owned.................... 1

Monthly Income Details
Monthly income after tax................ 700
Partners monthly income after tax....... 1384
Benefits................................ 632
Other income............................ 0
Total monthly income.................... 2716

Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 216
Rent.................................... 566
Management charge (leasehold property).. 0
Council tax............................. 120 - is this spread over 12 months instead of the usual 10?
Electricity............................. 321I'm hoping this is a typo!
Gas..................................... 0
Oil..................................... 80a month?
Water rates............................. 0
Telephone (land line)................... 30£30 for a landline only - it should be this with internet
Mobile phone............................ 20
TV Licence.............................. 38are you in debt with this? If not it'll be approx £12.50 a month
Satellite/Cable TV...................... 90this absolutely must go, it's luxury you can't afford
Internet Services....................... 30see comment on telephone
Groceries etc. ......................... 400really high again, look at the old style boards for ideas
Clothing................................ 40
Petrol/diesel........................... 300do you need this for work?
Road tax................................ 10
Car Insurance........................... 31
Car maintenance (including MOT)......... 30
Car parking............................. 0
Other travel............................ 20
Childcare/nursery....................... 0
Other child related expenses............ 60
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 0
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 50
Haircuts................................ 5
Entertainment........................... 0
Holiday................................. 0
Emergency fund.......................... 0
Total monthly expenses.................. 2457


Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 0
Other assets............................ 0
Total Assets............................ 0


Secured & HP Debts
Description....................Debt......Monthly...APR
Mortgage...................... 0........(0)........0
Hire Purchase (HP) debt ...... 3000.....(216)......0
Total secured & HP debts...... 3000......-.........-

Unsecured Debts
Description....................Debt......Monthly...APR
Amigo loans....................5000......296.......0
A&l............................1500......116.......0
Walker love....................1000......76........0
Total unsecured debts..........7500......488.......- What are the APR's on these debts


Monthly Budget Summary
Total monthly income.................... 2,716
Expenses (including HP & secured debts). 2,457
Available for debt repayments........... 259
Monthly UNsecured debt repayments....... 488
Amount short for making debt repayments. -229

Personal Balance Sheet Summary
Total assets (things you own)........... 0
Total HP & Secured debt................. -3,000
Total Unsecured debt.................... -7,500
Net Assets.............................. -10,500

[/tt]

Hi, well done on posting your SOA - can't have been easy.

Please see my comments in red, you really should contact Stepchange for another free debt charity for some advice

Good luck