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robesac

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  1. Thanks for the advice. The card was taken out at least 20 years ago from memory. Probably longer than that. I think I will send the SAR as suggested. At least then I will know where I stand. Is there some significance in the 7 years since moving? Thanks once again. I will update in due course.
  2. Ti Bazzas: the reason for a similar post is twofold. Looking at other posts i see several responses regarding having moved within the last 7 years and backdoor CCJ's. Secondly I don't know if there have been changes to legislation. Sorry if I'm waisting your time asking.
  3. Hi. Hope this is in the correct place. Took voluntary retirement due to ill health and came to an agreement with Natwest credit card to pay £30 per month on a debt of around 10k c9 years ago. I moved house but they rejected my change of address letter. Since then I have continued to pay and never had any contact with them and never missed or amended my payment. Nothing on my credit file. My options appear to be: Make contact. Keep paying. Stop paying. Amend the payment. I'm just wondering if I've become a cash cow but don't want to upset my credit rating. Any advice would be welcome. Thanks.
  4. Hi and thanks again for the previous advice given. I sent a CCA request to Lowells on 25th May around 2 or 3 weeks later I received an acknowledgement stating that they are in receipt of my letter and will put further action on hold until they receive a copy of the CCA from Sygma. They are obviously well outside of the timescale for providing the information but unless someone advises otherwise, it seems prudent to let sleeping dogs lie. I didn't send a SAR as I don't need copies of statements and Lowells should provide a copy of the CCA if one is available. TBH I didn't know what else I should be asking for. Thanks again.
  5. I think the card was originally obtained via JJB sports to purchase a treadmill. There won't be any PPI or fees included in the balance as I'm certain there was no insurance on the agreement and I contacted the company directly when my finances collapsed and they agreed to stop interest and fees. Up to that point it was paid as per the agreement with no late or missed payments. I was away all day yesterday so sending the CCA request and SAR today.
  6. Thanks, I ill get the letters away and post the results or lack of them in here.
  7. Sorry for the delay. I am trying to upload a copy of the letter but so far without success even following the instructions above
  8. Also if they are successful in getting a CCJ I assume that would appear on my credit file.
  9. It does say "a claim WILL be made against you in in the County Court Bulk centre without further notice"
  10. Hi, Looking for help and advice. Some years ago I took out a credit card in store with Sygma Banks UK. (guessing around 7 years ago) Having fallen on hard times due to chronic depression and anxiety attacks I was retired from work on ill health grounds about 5 years ago and came to an arrangement with Sygma to pay £5 pm. The Account was then sold to Moorcroft Group and then on to Lowells. I maintained the repayment until just over 3 years ago and have paid nothing since. The balance listed is £1235. Apart from the occasional letter asking me to get in touch and a heap of telephone calls which I haven't answered (number now blocked) I have heard nothing from them until recently and I have now received a letter of claim from Lowell Solicitors stating that unless I contact them or make arrangements to pay within the next 14 days, a claim will be made against me in the County Court Bulk Centre without further notice incurring extra fees such as interest and costs. My credit file is clear except for a closed account for Lowell which will be 6 years old in November this year. The original agreement wasn't signed at the point of sale as I remember them sending me another form though the post a few weeks later to sign. I can't remember any further details though. I'm pretty sure the original application was ticked to have PPI insurance although it wasn't taken up on the agreement form. I mention this due to my ongoing illness in case it might be relevant. The only paperwork I have now is the letters from Lowells. I don't have the money to pay it although in full. If it's at all possible I would like to protect my credit file. I was thinking of just setting up a standing order of £5pm which was the original payment plan and ignoring their letter. Is that likely to stop court action. If protecting my credit file is not possible then I'm thinking of ignoring them and taking the CCJ on the chin and waiting for 6 years until it expires. Any advice on how to proceed would be very welcome. Thank you in anticipation.
  11. Yes my credit file is more important to me at the moment and as I spent the money in the 1st place it's only right that I attempt to pay it back even though my circumstances have changed and I will never be able to fully repay it. I think I will leave things as they are and perhaps consider the above suggestions as a reserve action if things change. Thank you again for all of the advice.
  12. All sounds like good advise thank you. I think I will start by reducing the payment slightly and see what happens. I'm just worried about changing the status quo whilst potentially looking forward to a clear credit later this year.
  13. The NatWest debt isn't showing on my credit file but I don't know if it ever has as I have only recently joined clearscore and as stated previously I moved address just over 5 years ago. However, given the size of the last known outstanding balance compared to agreed repayments I can't imagine it hasn't been defaulted in the past.
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