Lowell

[Snow]

Hi. I need some help. I've sent 3 letter to Lowell, with correct dates.Before 30 days to sent them an Estoppel Letter, they sent me a letter with really bad copy of my agreement with Provident. Just get this today. They didnt send anything else. What to do next? Debt is from 2012, i stopped paying the same year. Is there anything I can do now? Please help

[warwick65]

Re: Lowell

Hi Snow
Sadly the 3 letter process you have been using is about as much use as a chocolate teapot. Yes I know it sounds good in theory and yes I know some people claim that it has worked but there is no case that I know of ( or indeed that anyone I know , knows of) where it has been useful in a court of law.
You may notice the website you have been looking at regarding this is no longer active

Anyway all is not lost

What you need to do is send a formal S77 request to Lowell for the agreement - this is a legal request and you need to send the £1 fee

Here is a link to a template http://legalbeagles.info/library/gui...etter-example/

I would be surprised if Lowell were able to fulfil that request - when I sent one for a provident loan , while they were able to find the front copies of the agreements they could not produce the back copies.

So get that CCA request off

There is of course an alternative and that is to go quiet on them unless they send a letter before action.

So you stopped paying in 2012- when was it sold to Lowell- do you know?

I think , if it were me, I may just wait to see if they send anything else at the moment

[Snow]

Re: Lowell

Hi. Thank you very much for so quick response. So do you think I should to sent this or rather wait? I am worried they will take me to the court ☺

[warwick65]

Re: Lowell

Have you had a letter before action for this. It might not be recent.

[nemesis45]

Re: Lowell

Hi. I need some help. I've sent 3 letter to Lowell, with correct dates.Before 30 days to sent them an Estoppel Letter, they sent me a letter with really bad copy of my agreement with Provident. Just get this today. They didnt send anything else. What to do next? Debt is from 2012, i stopped paying the same year. Is there anything I can do now? Please help

Exactly what correspondence have you had from Lowell!

nem

[Snow]

Re: Lowell

Hi. Thank you. Yes, they have sent me a letter before action. It was before I have sent them my first letter. Probably I ve done everything wrong, did I? After 3rd letter they put my account on hold, and within 2 weeks they sent me an account statement, and 2 weeks later a photocopy of my agreement, stating that Provident probably doesnt have my original agreement anymore.

[warwick65]

Re: Lowell

In that case I would definitely send the formal request with the fee.

How much is the debt?

I would not be surprised if they do issue a claim but you could defend that.

[Diana M]

Re: Lowell

Debt is from 2012, i stopped paying the same year.

Do you know the exact date of your last payment to Provident?

The debt may be getting close to Statute Barred which could be why Lowell are pursuing you now.

Send the formal s 77-79 CCA Request as suggested.

Di

[Snow]

Re: Lowell

Hi. Balance- £3180, last payment 06.06.2012. Ive attached the letter theyve sent me

[Snow]

Re: Lowell

On 5/12 i get the last letter

[Snow]

Re: Lowell

On 5/12 I got the last letter, all attached. Do i still have to send this letter or it wont work now. If so, will sent tomorrow.Thank you very much for all your help.

[warwick65]

Re: Lowell

I would send the formal S77 request as this is a formal request which gives you protection if they do not comply

As the debt is 3180 I am guessing it is made up of several loans is that the case or not

If you read the agreement very carefully it may say somewhere see clause xx overleaf - on mine it was somewhere near the signature box I think - they need to send that as well

[Snow]

Re: Lowell

Hi Friends. Happy New Year. Ive sent s77 and I get this back. Is there anything else i can do? You were right. It was 2 loans taken on the same time. In the way they make a copy of this agrrement I dont know what to look for on the bottom. Thank you

[Snow]

Re: Lowell

Hi, please tell me should I contact with them and start to pay ( and how much/month), or there is something else I can do? If I wont sent them the response, probably they will take me to the court. Please help!!! Thank you ��

[warwick65]

Re: Lowell

Hi Snow

Is that all you received ?
To confirm- you did send a S77 request with the £1 fee ?

I ask because the picture of the agreement does say 'there are more terms overleaf' and they do not seem to be present

Did you ask at any point for the default notice or anything else?