dibdob59
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Hi Thanks for your response. It is not my intention to disregard your comments, for which I am grateful. However the letter from Lowell was phrased differently from others I have seen from them over the years. Comments such as ''may' and 'could' were not being made and Lowell were stating they 'intend' to take legal action. My concern was that in not responding to them by the deadline on the letter (22 Feb) then they would start legal proceedings and that would be a more complicated position to be in and defend - hence my CCA to them as Uncle Bulgaria suggested initially. It is the matter of contacting Argos themselves that is worrying me as they have not made any contact for many years and I am reluctant to raise their interest now. If Lowell respond with any documentation that gives support to their claim couldn't I then SAR Argos at that point, when I am more aware if Lowell even have the rights to pursue this debt? Thanks again
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Hi I have now sent a CCA request to Lowell but since my last post I have read that Argos have been known to arrange for debts with Lowells to be transferred back to Card Services so they can recoup the debt themselves. Because of this I am concerned about sending an SAR letter to Argos and raising their attention. I did mention this in one of my previous posts but I am even more concerned now having read that they have a practice of buying the debts back from Lowell if it suits them. Do I need to contact Argos or should I wait for Lowell to respond to the CCA request? Thanks Dibdob
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Thank you for your reply. There are no specific details of the Argos account so I am unclear how to contact them. The Argos card was held many years ago but cannot remember when and have no details of it any more. Am worried about contacting them and maybe stirring things up because of this. Does the fact that this does not appear on the credit file mean its statute barred?
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Hi Have received a pre-legal assessment letter from Lowell Financial Ltd apparently for Argos Card Services. It does not use the usual 'may' or 'could' comments and reads as follows: Having assessed our options we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan. This debt does not appear on the credit file - not sure what to do in this situation. Any advice would be gratefully received. Thanks Dibdob
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