Tara.Simmons
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Hi, I have an outstanding £6000 debt on a Halifax credit account which I've been paying £5 a month towards consistently for the last 5 years via standing order. Just before Christmas I received a letter from Hali stating that Lowell Financial are now the debt owners and that payments they receive from me for this debt will be forwarded to them (Lowell). I then received an introductory letter from Lowell saying pretty much the same and that they will continue to accept my current payment plan, unless I can afford more. They asked me to contact them via post, email or phone. I didn't feel the need to touch base with them as I've continued to make payments and I had nothing to say. I've recently received another letter asking me to get in touch, again saying they won't ask me to pay more but now asking me to pay them directly. On the back of the letter has their bank details so I could just amend my standing order to pay them instead of Hali (I've not done that yet). My questions are, should I write to them? Although I don't actually have anything to say, and should I pay them directly? Instead of waiting on Hali to forward my payments? Ultimately at some point in the future I would like to be in a position where I would be able to make them an offer in full settlement of the debt. At the moment that's not an option but something I plan on working towards. I hope I've covered all bases. Any advice would be greatly appreciated. Thanks x
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