yes currently waiting for that information

I don't know I didn't? , I just sent the letter as per the post 6 in that thread above. Do you think they'll get the information ?.....is it odd they put in a letter that they never sent telling me they have the account/ are owners now after the letter of claim? Aqua was paperless and I'm now locked out so no statements and they haven't posted any others, applied and ran online.

Hi, i got a letter today dated the 20th Feb , 14 days from the letter I sent saying that they were requesting the information and the account will be put on hold while they wait, they included 2 other letters they say they sent me I recognise one but not the other, saying they're acting on behalf now etc interesting enough dates the 19th Feb the one to say the account was sold and they now own it , when I wrote to them on Feb 6th! (i never got this other than with this letter, .. ...should this have not proceeded the letter of claim ? The letter also states they are under no obligation to disclose the deed of assignment to me then goes to state the bit about requesting assignment, statements and default notice from the original creditor (aqua). What do I do now...just wait or send another letter ? Thanks in advance

no

Thanks ill let you know how I get on.......Do lowell normally send this letter that quick they only got given it at the end of the year!

Yes they have sent me that form with the letter of claim, they seem to have all the correct details on the letter saying the date of assignment is only 07/12/2017, so that's fast to send this letter out isn't it ? So i send the form and CAA request together ?...and then wait ?

Hi Can someone advise, I owe money for an old credit card (aqua- new day form 2013 ), they're saying amount owed is 4427 now on the Lowell letters, but the limit was only 3500 so must be a lot of charges added, I have had a few letters that I've filed, but now I've got a letter of claim from these guys dates 29/01 saying This letter is being sent to you in accordance with the practice direction on pre-action conduct and protocols, giving me 30 days to pay before they may commence proceedings. I guess it's not good to ignore this one? Do I send them A CAA request ?, and ask how they reached that figure, id ideally like this to go away or get a vastly reduced settlement that I can afford, I don't want to fill in there income and expenses form...am I required.? I've been reading through the forum trying to figure out how to approach this but I am a little confused. Thanks in advance.

Hi well i sent them off information weeks ago, a month now or more and have not heard a thing, the date has come and gone for which they said it would be stopped by if i didnt reply, im still going mad, ive made myself ill with the stress of it all, i just want to be care free again, doc has had to upt me on medication. I even had to call last week to update my employment details as new job and not a mention of this going on at all there end....? why is it taking so long! no number on the letter , even though it says please ring number on letter if you need to discuss more.....anyone have the complaince number???? Am scared to ring anyhow imcase i say something i shouldnt if they talk me round in circles....wanna know the crazy bit, hes not even here anyore again now, moved in buth as barely even been here , even went on holiday without me! i did think about cancelling it just so i dont have to worry but first person said someone else was dealing with it so couldnt....? then new person let me update details for job so who knows whos telling truth~!

any news yet ?

no letter from anyone other than tax credits , stopped h/b the same day and council tax, havent replied to tax credits letter yet have 4 weeks to answer, id it best to wait or to anser asap......im not touching any money from them from now. You know the irony, haveing a previous breakdown he doesnt do stress and this may push him to move out anyhow, and this may all be a waste of time, and ineed help, im not coping.....i could end up with a single claim anyway,,,,so silly, hes helping with kids but cos were married, or was were a couple,....tax credits must realise life isnt so cut and dry.....i dont want him to take the kids that why hes here. sorry for lodsa posts im so stressed.

there not involved yet, ive cancelled my claim with them now , they havent written to me or anything, although i guess either i or tax credits will let them know....its only since march and its not till recently we even agreed to it being just a longerterm thing, it was just meant to be till i was feeliing better and to help with The current situation with kids, he didnt even spend everynight here. From what ive read on here its best just to be honest....... do yo think calling would help...should i ring anyway and stop the payment, they havent stopped, and i havent touched them either since i got the letter, i have tried calling but cant get through. Are they likely to inform the DWP? I know ive buried my head in the sand over this but i feel like i just want to die......its the nail in my coffin.

Really, my big worry now after reading a few of these posts is proving what i say is true, will they ask, will they look into previous years, he works in construction and goes where the next job is, and has rented rooms , lived with his mum for a while after his dad died and more recently his brother, but not been on any council tax anywhere due to the informal arrangment, he always meant to get his own place where kids could stay and has worked hard rebuilding a credit history from a poor one, and until recently wouldnt have passed a credit check anyway, he has a few accounts but all paperless so never changed address, and theres 1 credit card we ran up ttogether from years ago that is at this address in both names being paid back, I have all utilities in my sole name, his name is on our tennancy here but its been like that since i moved in and ive never bothered to change it, (should i ?) hes not a problem Dad hes always been ther for me and the kids, we just couldnt live together before, he had abreakdown after his dad died and that was when he moved out, he mother was a alacholic so he stayed and sorted her out.,it wasnt even planned that he would stay this time, i just reaised i need more help, ive been coping not living and i need to get back on my feet but couldnt bare to be away from my kids so this is how it will work for the time being. what do i put in a letter, do i put everything i put here or just, i made a mistake and hes been here since march and can i pay it back please on a repayment plan>? I have tried to ring before, a few weks now but the line is always busy. Shalli ring now or just write....theres no number on the letter even though it says only deal wih the number on this letter? should i just ring and notify them of a change and not mention the letter? Ive also been getting some help with rent and council tax so i guess ill have to sort this too. Ive been sick again today i just cant deal with this on top of everything else......do i need a solicitor?

Ill try to keep this simple but its hard isnt it, i need advice, im going crazy... I have 4 children with my x, 2 are disabled, on had CP Other and other had Autism. Weve been split awhile, he travells with building sites so moves around alot, more recently living with his brother until he moved earlier this year, he was staying with a friend or away for work until his brothers new place went through. He stayed with me from March which i neglected to report, i didnt know it was gonnna be a longer term thing, i wasnt coping well with kids and needed help, i had even asked him to take them as i needed a break so he stayed, one week turned into 2 our d was very ill in this period and long story short hes still around..... anyway i was planning on telling them when i knew it was gonna be a more formal thing, im self employed and i only esitimate my income so i thought i could do it at the annual review which hasnt come yet if he was stillaround (im suprised, he is hes helped a lot and im coping now much better no longer on verge of breakdown) anyway i got a notice from Tax credits saying they had credit file data showing him here and asking for records bewteen feb and may , all sorts a whole list, not clear if they want a selection or them all, or theyll stop my money. Its says to ring number on letter and only that number but there isnt one???? He had applied for a mobile for our son to use thats the only new credit hes had here for a long long time, we have a few old jointbillswere paying back but nothing else, hes always helped with kids and bills and been very good helping us, all the bills are in my name but he did used to pay a couple of them for me instead of maintance, ive always been crap with money and run up huge debts in the past so he helps with this. On paper i think it looks bad, although he wasnt living her until march.....i did ask him to take the kids for a while as i couldnt cope thats how he came to stay Im going to hold my hands up and say hes been here and i should have done it , my big worry is how do i prove when he came to stay, he was only living with his brother and away on site , previously renting a room (hes not in one place long cos of work), will they belive me.....? how much detail do i go into?...do i just write and say yes here here from this dates im sorry please can i repay, or do i explain everything about the kids and how i needed help and we didnt know it was gonna be longer term?...will they even be intrested in that?? What if they look into other years, i dont think i could cope, i need this to be over. im already feeling fragle with the kids and this feels like its pushing me over the edge, im worried sick ill lose my kids and go to prision, and every one will find out what i did. Ive never been in trouble before , my son is Autsitic and i cant leave him, and my dd has mobility issues and is a wheelchair user, she needs me around. Im freaked out, i cant eat, i cant sleep......

Hi I was the victim of a bulgular recently, We actually interrupted the bloke in the middle of the night!, we came downstairs because of the dogwas fussing and the front door was wide open, later saw on cctv he had just left! he got a few things first though inc our digital camera and jewelry etc , police reckon he was after car keys as he had gone through everything bags, pockets etc. Anyway there's no obvious signs of entry, a few small marks on door unsure if caused by him, the downstairs windows were all shut and only the rooms we were occupying had windows partially open (on child catches restrictors), but the insurance man who came today says they may not pay out as my front door was only shut with the normal lock and not with the mortice lock (i lock this when i go out but we were in the house!), i tend not to lock it when we go to bed as the kids cant open it , its so stiff and worry incase of fire etc. Surely as we were in the house they cant do this.......are we expected to keep doors double locked when inside, i just cant get my head round i, how do i challenge this, we don't even know that was his way in for sure....although it was defiantly how he left. thoughts and advice please thanks

jj