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hi there,

 

So I've been struggling with debt for quite a few years and been burying my head in the sand. But ive admitted to my partner about how much i owe and starting to address it.

Currently i owe

£2703 in council tax arrears

£86 to akinika for scottish power

£147 to EE

£270 to Capquest for catalogue debt

£1790.63 to lowell for debt with JD williams Simplybe

 

the above are those that are defaulted on and most have passed to DCA.

I also have £1800 in overdrafts, £2000 on credit cards and £900 left on a career development loan, these have never been defaulted on and payments up to date.

 

I have approached the DCA's with settlement proposals. And i know that council tax should be a priority and i have a third party whos willing to help me, starting with council tax.

 

However i did receive a very quick response from lowell when i offered them £850 ( i started low so that hopefully the amount they will accept wont be too bad). There reply stated that they have recently offered a 40% discount on the debt meaning that they will accept £1074.38 for the £1790.63 debt. they say i can pay this by installments or in one go.

 

I really wasnt expecting a response within 24 hours. This debt doesnt show on my experian report or clearscore credit reports. Ive checked the age of the debt and it dates back to 2013/2014. I hadn't had contact from them for a few years but i think because I've updated my address and started trying to address my situation that they have found my new address.

 

so my question is specifically should i try to get lowell to accept my original offer, is this normal practice for them to suddenly offer 40% off. and why is this not showing on my credit report if they are chasing for it.

 

And any other general advice is very much appreciated. im currently waiting on responses from akinika and capquest about those debts. also EE have confirmed they wont budge on payment amount if i want it cleared from my credit report.

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Dont Burn Money - Dont Offer F+F to Lowell yet. they will go lower and they will have bought it for stupid money - Between 6 & 22 pc of the full amount...

CCAs to all credit debts - Capquest & Lowell. See if they have the right to be chasing you for those accounts.

Ignore Akinika... They dont do court etc

 

EE itself - Whats the remainder of that account? Is it ETFs / ETCs?

 

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a DCA is NOT A BAILIFF

why are you paying them or blindly offering to pay them free money to go away on holiday with?

use the money yourself for your OWN HOLIDAY

not get mugged!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I would just concentrate on the priority debt...IE the council tax..that has serious implications to the rest of the other debts which can be ignored until you take control of the DCAs.......

 

This is what happens if you dont deal with Ctax .....read the following thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?479359-CTAX-CO-should-it-be-on-my-credit-file

 

Andy

We could do with some help from you.

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thank for all the replies.

 

I should say that my boyfriend and his family are willing to help me out with settlement that will include the council tax first. Then the DCA debts then credit cards and finally my overdraft.

 

Im just confused that lowell's first offer is 40% off, so im going to reply and see if they will reach a settlement for £900. There offer also said the debt would be marked as "partially satisfied" on my credit report, surely any settlement means it should be listed as satisfied?

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NO please

just settle to council tax one.

 

 

looking at your other debts.

 

 

£86 to akinika for scottish power

£147 to EE

£270 to Capquest for catalogue debt

£1790.63 to lowell for debt with JD williams Simplybe

 

 

settle the Scottish Power one the next

BUT PAY THAT TO SP, Akinika HAVE NO LEGAL POWERS AT ALL.

 

 

what is this EE bebt a CURRENT mobile debt not with a DCA?

 

 

for the two CAT debts

send each DCA a CCA request DO NOT PAY THEM !!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no EE is not a current mobile, its one i had in 2013/2014. I phoned them asking if it was with a dca that i could contact but they said it had been written off and the only way to clear it from my credit report is to pay to EE

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so monies owed to end of contract?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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no EE is not a current mobile, its one i had in 2013/2014. I phoned them asking if it was with a dca that i could contact but they said it had been written off and the only way to clear it from my credit report is to pay to EE

 

So do nothing with that either ..bottom of the list with Lowell.....:wink:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Hi,

 

I'd sort the council tax out first if your in Scotland, what stage are you at with this.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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hey good spot morry

god I hope the sheriffs haven't got it yet..

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yeh ive had letters from sheriff court

 

i rang glasggow city council to get the balance and should be securing the funds from family this weekend to clear it in full.

 

i spoke with council tax today who are giving me a week to come up with a plan of finances.

 

spoke with all debtors today and got lowell to agree to £900 settlement.

I know some of you will disagree with me paying them anything but i just want rid of the stress.

 

I'm not sleeping right, stomach is in shreds as well over this.

I wish i could be one of these people who dont eat when they are stressed but im the opposite.

 

progress made this morning

 

akinika will be getting nothing they havnt bought the debt from scottish power so i will clear that myself directly.

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free holiday for that lowells employee then,

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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lowell didnt buy the debt either but you are happy to pay them £900?

 

Read about JDW and Simplybe in todays financial columns,

they have to repay something like £120 million for their rubbish over charging and may have to cough up as much as £300 million if they are forced to repay even a years worth of useless insurance charges.

 

That is why Lowell will be happy to accept £900,

you probably only owe something like £90 in reality

and they will not mark your file as staisfied but as partially satisfied

if you dont screw them down on this and it looks like you havent.

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too late....

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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