ok thanks DX I will sit tight and see what drops on the mat next

Letter today from Lowells second in 2 weeks. They have said that if I don't contact them regarding the account balance etc the account will be passed to their debt collection department or one of their approved debt collection agencies.

do I reply or ignore?

Thanks

next bloke next desk diff coloured skirt.

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

dx

Thanks DX made me smile

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

Ignore?

Thanks

haha discount letter

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

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

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

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

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

dx

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

as always

ignore

unless/until the issue a claimform.

Ok DX,

Will keep you posted :-/

Thanks

Letter today from Lowlifes, offering a massive discount and even the option to pay that off in instalments.