yes that is very true....

it might even get to an amount that they wont even bother with it anymore...what was the original 260£? what is it now.

my thoughts too.....yes 260....down to 220 by jd Williams....now Lowell its 120.........

Catalogue account closed,

there was a dispute over charges and they did refund some of it,

but an amount remained which they refused to reduce and stands as they say unpaid.

Lowell passed it to their own solicitors Lowell,

who are now writing about the 2013 debt.

They have sent a statement showing a payment (they are saying I made) of £1.61.

No way have I made such a payment, really, any payments I would have made would have been £10 plus.

They don't give any date of when this payment was supposedly made.

Just amounts and final figure etc.

On one letter its "if" and "may" and on the enclosed forms its more pushy.

Asking me to fill in my financial situation and proposals to pay etc.

Anything to do with Lowell has me suspicious, am baffled at this odd payment though.

Oh my goodness..sorry dx100uk, I should have dug that post up and continued.

Yes it is the same and wasn't rectified as far as I was concerned,

having checked them at the time they still didn't clear some items that should have been.

I would have missed that had somebody else not have taken a look for me and suggested I keep on until they do,

but after a few weeks they didn't so I left it, until now,

I have no idea what the £1.61 is at all, it makes no sense in any of it.

If you leave it a bit longer perhaps they will be paying you ...............

Have you heard anything from JDW about the CCA you sent?

Until they have responded with the correct details you cannot be taken to Court nor can they charge you interest on the debt until they satisfy your CCA request.

Threads merged.

Andy

the phantom payment will be an internal adjustment such as a refund of interest.

This is NOT the same as you making a payment but it may include the £1 you sent for the CCA request as a statutory sum and cannot be used to service the debt. Bear this in mind if they get back in touch

They sent a statement but said they hadn't overcharged,

I still think there are 3 goods on their twice when only ordered and received once.

They wouldn't have it so I left it, until now.

Again I had forgotten about it, but for some reason they have dug it up again.

Might be worth telling Lowell that JDW have reducec the balance on the original debt that was sold to them, so amount is wrong. Lowell will most likely issue a claim for full amount anyway, that is their usual MO, issue claimforms like confetti on everything and hope they are not responded to or defended so they get a default CCJ.

Thank you brassnecked I will keep that in mind.

Be careful if you ever write to companies.

Never admit to owing a debt as you are then acknowledging it exists.

if you write to Lowell about JD debt being wrong,

you just say that the data that Lowells have received from JD is wrong and they need to get lt corrected.

Advise Lowells that under the Data Protection Act it is their responsibility to ensure accuracy of data and not for you to advise what data is erroneous.

Warn them that failure to correct the data, may result in a formal complaint to the ICO.

Thank you unclebulgaria67

pers i'd sit on your hands.

dx

Yes dx100uk I am taking your advice. Thank you.

They decided to push it and it went to Lowell Solicitors

who sent a pre court letter,

followed by a court claim form,

which as i understand was hoped that between myself and them the matter could be sorted before a ccj was made.

i filled the form and sent it off, and Lowell Solicitors decided to discontinue the action.

They have sent me a copy of the discontinued action advised to the court by them and now stated the account/debt has been returned to the client and that i will hear direct from them.

that's good then

did you go for costs?

i have only just received the copy discontinued letter....and an email from one of their debt collectors asking for payment of the debt, advising me they have taken off legal costs....so now i am even more confused. They are still chasing?...

which they can

but stuff all they can do...

well yes i guess if the solicitors wont pursue then they cant really do anything. breathing easier here now anyhow

no they got their instructions from lowells....

a solicitor cant just make that decision

it was Lowells Solicitors Ltd,

i guess lowells the debt collectors have their own solicitors too,

another branch to their tree..

.amongst what seems to be a few collection agencies they use.

no they are all part of the lowells group.

already explained in this thread as early as post 3

Thank you.

My brain just isn't holding on to information too well,

am hoping the memory test at the health centre next week will shed some light on it.

Side effects of meds, symptom of one of my illnesses, or old age loss of plot.

well you've beem like this since 2009 joining....:lol:

about time it was sorted....