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Loham

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  1. Thanks. I am just finding them scary as I know they act as sheriff officers also so maybe they mean business more than what I have previously encountered. But if they are acting as a DCA then i will chill until i get a reply re my s.78.
  2. Okay thanks. Will do this right now. Should I let walker love know also I have done this or just ignore meantime?
  3. Reading other posts they are likely to visit the house! I dont want to ignore it and end up with a decree...but I am not sure if this is just scare tactics at the minute.
  4. Hopefully that has uploaded correctly. I just received an email from them also of a similar nature. I am unclear as to how they have my email address! I can only think it has been retained from the original creditor next because I have not been in touch with debt managers ltd at all.
  5. Thanks for your reply unclebulgaria67. This is not a headed letter like you say. I was going to email walker love this morning and have been looking in to cca requests/prove it letters etc I am thinking if they dont have their paperwork in order they cannot pursue it through the courts? I am wondering now if I should maintain no contact instead and sit tight until I receive the letter you mention?
  6. Hello all. I am hoping for a bit of advice please. I received a very worrying letter from Walker Love today advising that I owe their client £396 (the original creditor was Next Directory...but I believe this is now owned by Lowell). The default took place in 2014 and at the time I was suffering from chronic illness that meant I fell behind with payments. You know the story...it ended in the default. I never denied my debt.. .I emailed and called offering payment several times and was dismissed. ..I was told that their agents would be in touch. Several months later it was sold to Lowell for pence to the pound. I have not paid them a penny to date. I know that Walker Love are sheriff officers.. .and wonder about the seriousness of their letter? I would rather make payment in small amounts than face any further damage to my credit file. I have already suffered for several years now for my silly mistake. My question is how to proceed with them to avoid further hassle? I cant afford the full payment, bills aside I have very limited disposable income.
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