i didnt even know this place existed till today and i came here for another reason a hour later of reading, i am hoping ppl can give me some advice ..

i owe a debit which has been bought by lowell now they have been calling of and off for weeks

but i have ignored the phone and i had had several letters, wanting payment

the amount i owe is £3679 its a littlewoods credit card debt that i fell behind on and finally defaulted through no income.

now the thing is it doesnt say littlewoods on the lowell letters it says barclaycard who do own littlewoods card..

but i was told numerous times by barclaycard that they was two diff companies and also by mercers debt agency who was originally dealing with the debt on behalf of littlewoods,

that it wasnt a barclaycard and barclays was just the parent company ..

i dont kniow what to do about this as at present

i claim contribution JSA and in a 20 days time wont even have that so my personal income will be nil..

the littlewoods debt is mine not my wifes and as such she wont be paying it.

i was making token payments now and then to mercers

they said it wasnt a official payment plan as i was paying 5-10 per month but would stop interest etc on the account

then they informed me that the 7 month limit had been reached which i didnt know about

and as no official payment plan was in place it would be sent back to littlewoods for a formal demand which littlewoods did..

and then sold the debt to lowells

i assume like i said been told littlewoods isnt barclaycard but is owned by barclays and lowell say the debt is for barclaycard

sorry if that is as confusing as hell its been a nightmare for months

just trying to ignore it as is no way i can pay

and if i am declared bankrupt i would lose my license to work i have been told (sia license)

OK please calm down, there is absolutely nothing to worry about, they won't kill you or put you in Jail for a poxy CC debt.

Barclaycard and Mercers ARE the same company.

The very very maximum, in your circumstances, that you will ever have to pay is £1 a month.

When did you take this agreement out?

When was the last time you paid them anything for it?

Have you checked your credit file? Is it registered? If so who with?

Relax, calm down, sweet fanny adams is going to happen overnight, keep EVERYTHING in writing, never EVER talk to any of these clowns over the phone, if they ring you, laugh and hang up.

does this debt show on your CRA file.

tell us the history please with dates.

dx

lol i am calm to be honest think some of the letters ended up in the bin ..i dont have a credit report so guessing i need to sign up the the 3? i see listed in ur sig.. they def are free trials i have heard of so called free trials which are a nightmare to cancel and you end up charged for them

not hearing of any issues

dx

while i sort out the credit history i wanted to as i have 3 credit cards now in default all cards are now stopped with barclaycard

..littlewoods being one of them but all have incured alot late payment and default fees where the interest forced me over my credit limit was more or less every month

i would get i think £12 charge for being late as i didnt pay it or when i was on agreed plan the two months

u have to pay the fees they say while u wait for ur plan to kick in and stop the interest.

.feels like one last way screw you a bit more when you cant pay.

and the £ 12 or so fee from going over can they be claimed back off the debts?

they prob arise for hundreds on each card

Think you need some proper debt advice to see what options you have. I think you need to do this now, as when the JSA stops, you will then have to see what other help is available.

Suggest that you book an urgent appointment with Citizens Advice. They can look into the debt issues and benefits.

yes you can reclaim them all

see my sig below

dx

lol i am calm to be honest think some of the letters ended up in the bin

Good advice to reclaim charges but please keep all correspondence...tempting as it may be to stick it in a firework and send it back to whence it came.

i have sent a request and paid the £2 for my credit report from experian couldnt use the free trail at some point in the past i must of already checked my credit history

Once Contribution based JSA ceases, you're entitled to Income based JSA at £65 per week (basic) plus help with rent, council tax, etc. if you qualify.

They may get you to go in to fill forms out again at the DWP/Job Centre, but you'd be entitled to it if you've been on contri-based immediately prior.

Hope that heps.

H. x

no i wont my wife works ..so i am not entitled to anything and she is about to go on maternity leave ..but my debt is in my name so from what i understand she isnt responable for repaying any debt not in her name

well i wouldn't worry about the debts at all.

they can be put down to £1PCM and they can stuff themselves

there are people you can goto to get help

national debt line are my best advice

dx

found a letter from lowell cant say its the last i have as like i said i have been ignoring them its dated 23rd jan 2012

and says the following

we can still help you get your account in order.

we have written to you several times now about the money you owe us,but you have not paid or set up a payment plan.we will be able to help you,however you must call us straightaway.

WHAT YOU COULD FACE IF WE DONT HEAR FROM YOU

we are willing to do all we can to help you clear your balance but if you do not pay or put a plan in place after this letter we will pass your account on to red debt collection services. red debt collection services are part of lowell financial LTD and specialise in assessing customers financial circumstances. they do this by obtaining a copy of your credit file from a credit reference agency and then using the information within it to dertermine what options are available to us to recover what you owe an example could be to use litigation. if legal action is taken against you .you could end up in court having to pay not only what you owe. but legal costs and interest aswell.

you dont owe THEM any money!!

begging letter

dx

Lowell have bought one of my debts on 03/11/2009 i get letters still but I still have all my fingers and toes - as advised don't worry and try to use your local cab - they are really focussed on you and your circumstances. Lowell and their "legal" team will try and squeeze you for the money but just remember they chancing their arm.

Regards

P

Have you sent off a CCA request ?

If they are referring to this as a Barclaycard, don't tell them what it should be. Ask for a copy of the Credit card they are referring to.

You haven't said when you took this out, but barcaycard are one of the worst for retaining agreements.

Debs

to be honest i cant remember when i took it out was at least 5-10 years ago i think as for a CCA is there a template letter or something to send off sorry but i am at a total lose on this is why i came here to the people who know what to do and guide me in the right direction?

Template in CAG library green tab top left this page.

With the age of this debt check credit files asap.

Can't find the letter you want-Look here

You'll find all the letters here. Enclose a £1 postal order and send recorded. Keep track to make sure they recieve it. If they don't respond, send the letter putting the account on dispute.

Template in CAG library green tab top left this page.

With the age of this debt check credit files asap.

i have applied to experian my report is ready to read online but i have to wait for a pin to be posted to me

ok

dx

to be honest too, i'd await the cra result before posting any thing off.

it will matter not if the cca is en or un-en if the debt is sb'ed

though its only a quid , i often wonder if its worth alerting them you could be a mug or not at this stage.

dx

i was making token payments now and then to mercers

it will matter not if the cca is en or un-en if the debt is sb'ed

If payments have been made recently, I didn't think the debt could be statute barred.

there is always hope if it is 5/10yrs old, lets see

dx