Some context would be helpful, how much? who with? when taken out? Has it defaulted yet?

DX is right it's just numbers on a spreadsheet and mortgage companies literally don't care , what happened 6 years ago, and they don't care what happens while you have the mortgage providing you can make the payments. In fact none of the DCA's, Stepchange etc care about you personally, they just care about how much money they can make off you. The money that you owed all those years ago was a tax write off for a large multinational corporation. DCA's are companies that make millions a year. That's why the morality card is nonsense

CPR Sent!

None of this will have any effect whatsoever on your mortgage. Once it has dropped of your Credit file no mortgage company needs to know anything, and there is no way of them finding out. After a default is a few years it's unlikely to be taken into account by any mortgage lender anyway, Providing you haven't accumulated any fresh one's. You'd be utterly bonkers to pay them anything at this stage.

No CPR needs to go still, will get that out tomorrow

Name of the Claimant ? Lowell Portfolio 1 Ltd How many defendant's joint or self ? Self Date of issue – top right hand corner of the claim form – this in order to establish the time line you need to adhere to. 28th March 2024 ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Particulars of Claim What is the claim for – the reason they have issued the claim? This claim is for the sum of £4000 due by the defendant under an agreement regulated by the consumer credit Act 1974 for a PayPal Account reference of 16 digit number . The defendant failed to maintain contractual payments required by the agreement and a Default Notice was served under s.87 (1) of the Consumer Credit Act 1974 which has not been complied with. The debt was legally assigned to the claimant on Date in 2022 notice of which has been given to the defendant. The claim includes statutory interest under S.69 of the county courts act 1984 at a rate of 8% per annum from the date of assignment to the date of issue of these proceedings to the sum of £0.00. The Claimant claims the sum of £4000 What is the total value of the claim? 4400 Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No Did you inform the claimant of your change of address? NA Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Paypal Credit When did you enter into the original agreement before or after April 2007 ? 2019 Do you recall how you entered into the agreement...On line /In branch/By post ? On Line Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Debt Purchaser, Lowell / Overdales Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes Did you receive a Default Notice from the original creditor? Don't know, will need to look Have you been receiving statutory notices headed “Notice of Sums in Arrears” or " Notice of Arrears "– at least once a year ? Yes Why did you cease payments? Job Loss What was the date of your last payment? April 22' Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes

It actually makes things worse paying of defaults, read up on statute barred. 6 years from the day of default, a debt becomes Statute Barred, unless of course you keep making payments, in which care it resets the clock back to 6 years again. Also forget about the moral angle, your daughter is just a number on a spreadsheet now , it's not like the money has been borrowed from friends , family or anything.

There is a mis perception that CCJ's 'end up' on People's files, like they just walked on there, it just doesn't work that way. Each debt that defaults will be brought by a debt buyer (DCA) such as Lowell or Capquest, likely for pennies in the pound. You need to use critical thinking skills here, why would a creditor sell a debt so cheaply? The answer is, because most of them are unenforceable in court, and are very easy to defend, just read hundreds of cases on this forum for proof. Likely you are wondering why so many still receive CCJ's? I can guarantee you 99% of them are because most people think it's a smart idea not to inform the DCA when they have moved address. Due to a Quirk in English law that can result in an undefended default judgement. Many defaulted debts won't go anywhere near a court, Out of 20 Creditors I had, only 4 tried. That's why your Daughter is doing herself, her kids and you a massive disservice by paying a single penny.

Do nothing and let them default, concentrate on your priority payments, Rent/ mortgage, Utilities, Council tax etc

I'd write to Lowell, with your address. The text messages are inconsequential

Just to weigh in here, I could tell you what happened to me, and how much of this kind of debt I was in but it would bore you.. She is wasting her time typing up SAR's etc and i.e sheets. Also wasting hard earned money paying them one penny even, money that could be paying for her kid's food etc. Even if she won the lottery tomorrow and paid off every penny, her credit rating would still be the same damaged as if she didn't pay back anything, that's why it's pointless.

Can confirm I have exactly the same 29 pages,

The best way of stopping them in their tracks is far easier and more effective than sticking a silly poster on the door, send an email to her local councillor, should be easy to find on Google. Explain the situation and that you are happy to provide a medical note from her GP / Consultant, then I'd give them a call on their mobile and explain things. It should take about 15 minutes to stop the Bailiffs. PS I'd also copy in the head of the council and Council tax revenue team into the email also. PPS I know this because I had the same problem

Perfect, ignore all communication from them, nothing they can do, although being PRA I suppose they could be stupid enough to try and send a claim form for a debt that has been Statute Barred for better than a year. If that happens , simply come back here, but somehow I doubt it will.

That's why you should never speak to any DCA by telephone, they are trained to pull your levers, manipulate you into paying something towards a debt that is completely unenforceable. The only thing you need to do is write to them with your current address, if you have moved home since that last payment.