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Lowells & Capital One debt - CCA request


Nivagey
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  • 4 weeks later...
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next bloke next desk diff coloured skirt.

sent to make you think its going up the importance line.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Update: Letter arrived today from Lowells.

 

We have now tried on a number of occasions to help you clear your account by contacting us to discuss an affordable repayment solution.

 

 

We will shortly be passing your acount to our collections department or one of our approved debt collections agencies.

 

 

They will be instructed to contact you regarding your account and seek to recover the outstanding balance through the appropriate means.

 

We can help:

We are willing to offer you a discount of 30% off your balance.

 

 

We can accept this figure paid in instalments that you can realistically afford,

taking in to consideration your financial circumstances and repayment can be weekly, fortnightly or monthly, whichever suits you best.

 

 

If applicable when your account is settled we will update your credit file to reflect this.

 

 

Please note any accounts settled with a discount will show as " partially satisfied".

 

Blah Blah Blah.... Im sure this was meant for Xmas Eve as its dated Dec 22nd :p

 

Ignore?

 

Thanks

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haha discount letter

 

 

pay us something before we tell you we have no enforceable paperwork.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Hi DX,

 

Lets hope so eh!

 

 

What slightly concerns me I had discount offers on a B/C account from numerous DCA

as soon as it was sold the "new Owner" they went straight for a CC Claim :(

 

 

although fought off (with the help from you guys on here) and now stayed for the past 2 years,

 

 

seems like this lot will try the same and hope for a default win?

 

Thanks

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yea that's the game.

 

 

they issue speculative claimform hoping for a non contested default judgement.

 

 

paying, in all reality, doesn't prevent anything.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I'm wondering if I should just send a letter and reiterate my position

that is as far as I'm concerned the account is in dispute with the original creditor as previously informed,

and I will rigorously defend any legal action up to, and including, County Court Claim action they try to bring against me?

 

What do you think?

 

 

Then they will have no doubt I'm prepared to go the whole hog and defend court action?

 

thanks

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I wouldn't ever enter into an obvious letter tennis match.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 year later...

Had a letter this morning from Lowells, Pre- Legal Assessment Department

 

Dear Mr *******

 

Your account is escalating. We refer to our previous letters. Unfortunately we've still not agreed with you how you'll repay your debt with us and therefore is had been escalated for legal assessment.

 

The rest is blah blah blah. Please contact us to discuss before it escalates further, we will not ask you to pay more than you can afford etc.

 

What's the next step?

 

Cheers :(

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as always

ignore

 

 

unless/until the issue a claimform.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 months later...
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