Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
My girlfriend currently has a default on her credit report from Lowell Portfolio 1 Ltd but we are not too sure what the debt is for. As far as I know there has been no contact made from them to chase the debt. We would like to get this sorted as it is showing on her credit report which is affecting my credit as we are a linked financial associates.
What is the best way of tackling this default? It was registered to her at her parents address and we currently live in our own flat.
Lowell usually buy debt from other lenders. Barclays is one of their biggest clients. If she has an overdraft, Credit Card or Storecard Issued by Barclays (Barclaycard) then it might be for that account.
If she has any Storecards or Credit Cards, ask her to read the small print on the back. It will tell you who issued the card (who are not always the same company as the lender).
Example: Littlewoods Personal Finance (LPF) although is Lended by Littlewoods (LPF) the card and funds are actually lended by Braclays.
Check which Accounts she has and find out which one is not showing on her Credit File. This will be the account.
Wait on them making contact with you and then ask them for a copy of the Defualt Notice, Termination Notice and a Copy of the Consumer Credit Licence that the previous creditor sent to your girlfriend.
They must have this information but they will say that they will contact the Original Creditor To seek the documents requested.
They will write a few times during the next 6 weeks saying that they have managed to secure a coipy of your credit report and when they send it to you you will be required to pay the total amount due.
Respond with letters threatning Legal Action unless they provide the documents requested. After a while, they will probably write back saying that they are unable to secure a copy of the Consumer Credit Agreement due to the time when the account was opened. If the account is over 5-6 years old, the original Creditor (especially if it is Barclays) will not have it.
Default - Lowell Portfolio 1 Ltd
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