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co-op Have No CCA for my Card - Now Lowells Chasing me


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Hi,

 

Its been a long long time since I posted but I now think my debt is SB?

 

I have received a letter from Lucas Credit Services acting on behalf of Lowells asking for payment, nothing else.

 

I have ignored all letters from 2009-2015 but just wanted to make sure the debt is clear and I can still keep ignoring them.

 

How do I proceed.

 

Many Thanks.

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Hi,

 

Its been a long long time since I posted but I now think my debt is SB?

 

I have received a letter from Lucas Credit Services acting on behalf of Lowells asking for payment, nothing else.

 

I have ignored all letters from 2009-2015 but just wanted to make sure the debt is clear and I can still keep ignoring them.

 

How do I proceed.

 

Many Thanks.

 

When did you last make payment to or acknowledge liability (in writing) for the account ?

 

Did you receive a default notice - if so, when ?

 

What is the content and tone of the letter you have received from Lucas Credit services - they will only be acting on behalf of Lowell so can take no action themselves.

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From OPs post of 29th July 2009 the debt had already be terminated so I assume must have been defaulted before that. Sounds like it is SB.

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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From OPs post of 29th July 2009 the debt had already be terminated so I assume must have been defaulted before that. Sounds like it is SB.

 

Yeah I stopped payments in March 2009 and the account was terminated in June 2009.

 

The tone of the letter from Lucas was just to request payment or arrange payment terms.

 

Thanks

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No threat of court then so unless court papers arrive I suggest you continue to ignore. If you do get court papers you have your defence.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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