Hi All,

I have a massive debt, from JD Williams, from 2011/12/13 totalling nearly £5500, spread over six accounts.

At the time, they let me open constant new accounts on their partner sites,

and kept increasing the limit when I reached the limit I had on each one.

I have not complained to them, but still it strikes me as irresponsible.

I made payments for as long as I could, but then it all just became far too much for me, hundreds of pounds a month in interest and that was without all my other massive debts.

This was from a period of massive debt issues, payday loans and numerous other personal problems.

I have since sorted all the payday loans, credit card and other debts, and this is pretty much the last of what I have on my credit file.

I get about 12 letters a week from Lowell who it seems now own the debt, sometimes more.

I have been getting these letters for a year or so but need to sort my credit file as this is six constant red defaults staring me in the face.

Lowell send me letters offering 50% off each account regularly, if I had the money I would pay it in an instant just to be rid of it.

Does anybody have any advice for tackling this?

I just want to sort it all out.

I do not have much spare a month, but would be willing to pay it.

More info required.

Are those the years you took out the accounts or the years you defaulted ?

Have you submitted a subject access request to JD Williams asking for copies of all statements of account ? You only need send one request, but should list every account you want the info on.

Armed with the info, you can add up all of the excessive charges added and work out what the real debt amount is. Lowell might be offering a 50% discount because they realise there will be excessive charges added by JD Williams.

You could send a CCA request to Lowell for each account held, which will keep Lowell occupied for awhile fulfilling the requests. They should stop chasing while the requests are outstanding and therefore it might be worth it,

Hi

Thanks for responding.

I have not sent any subject access requests, but I will get on that this week. Do I send this to both JD and Lowell?

The years I took out the accounts are:

Opened Sep 2011

Opened Oct 2011

Opened Jan 2012

Opened Feb 2012

Opened Sep 2012

Opened Sep 2013

Opened Sep 2015

4 Defaulted May 2013, one Oct 2013, one May 2014, one May 2016

Thanks

Hi have a look to see if they have been irresponsible in lending to you i.e. Using your limo it with out you requesting not doing proper credit checks it's worth looking at as you could claim all the intros back

Hi

 

Thanks for responding.

 

I have not sent any subject access requests, but I will get on that this week. Do I send this to both JD and Lowell?

 

The years I took out the accounts are:

 

Opened Sep 2011

Opened Oct 2011

Opened Jan 2012

Opened Feb 2012

Opened Sep 2012

Opened Sep 2013

Opened Sep 2015

 

4 Defaulted May 2013, one Oct 2013, one May 2014, one May 2016

 

Thanks

Subject access request to JD Williams.

Given how many accounts you have taken out, sending a CCA request to Lowell for each account might keep them very busy.

Does sound like irresponsible lending as has been said, so you might have argument for interest to be written off.

If you had payday loans that have been paid off as long as they have not been to court you may beable to do irresponsible lending to them also

pers i'd not be sending lowells any CCA request s.

if they are offering discounts on each debt

then theres more than that to be had by SAR and reclaiming

and will probably wipe each debt out.

theres also the irresponsible lending route as mentioned.

the accounts are all recent so any ole bogroll they produce in reply to a CCA request

would almost definitely comply with the CCA .

and the agreements will exist as they will be online ones.

FWIW: no good paying off debts that are defaulted

wont matter a monkies to your credit file

the default is there for 6yrs regardless

paid or not.

what are the defaulted dates for each one from the summary of the account info?

My thoughts with regard to CCA requests, is that given the number of accounts, it would be interesting what came back. Would JD Williams just be able to print them off ? Would there be any attempt to reconstruct them and they would all be different ? Also how have JD Williams allowed so many accounts to be issued.

Perhaps now is not the time to send these, but at some point, it might be worth doing so.

Chances are that at some point, Lowell will lump all these debts together and issue one court claim

Hi,

Default dates are:

4 x Defaulted May 2013,

1 x Oct 2013

1 x May 2014

1 x May 2016

I have asked Lowells for a full breakdown of what part of the balance is interest, charges and principle on each of these debts.

They have responded today to advise they will be sending me in the post statements on all of the accounts that they are currently managing, this will show how the balances were accrued which I will receive in the post in due course.

So do you advise a CCA, then go down the irresponsible lending route?

Thanks

CCA is only £1 each

but don't expect it to be a way out.

the IR route will be to the original creditor

nothing to do with lowells

and i'm sorry

but you shouldn't blindly be contacting them

it gives them a warm feeling of grandeur

and makes them think they have some kind of power over you

THEY DONT THEY ARE NOT BAILIFFS

AND ARE TOTALLY POWERLESS

how did you ask lowells?

you need to send an SAR to the ORIGINAL CREDITOR

But also do it via email (a throw away account so you don't keep getting crap of the easier to keep track of and cheaper for you)

also this will make Lowell have to put their account actions on hold for at least 8 week if oc do come back to you take it to next step also make sure you also say you want it removed from your file

You can't use email

I have and it's worked well with satsuma?

You have to send the £1 fee which make it legally binding

Else whatever they do is worthless

Hi Again All,

Lowell have now sent me 'statements' from JDW for these debts.

One of the letters is a full statement, showing a purchase of £13 and interest/admin bumping that up to £67.

All of the others say that they are too old to show an agreement or detailed statement. They give the massive sums as the balance and say none of that is fees/charges which is absolute nonsense.

How do I proceed here?

no agreement = bye bye debt.

hows the sar to JD going..

Sent and delivered, no response as yet

Hi Again All,

 

Lowell have now sent me 'statements' from JDW for these debts.

 

One of the letters is a full statement, showing a purchase of £13 and interest/admin bumping that up to £67.

 

All of the others say that they are too old to show an agreement or detailed statement. They give the massive sums as the balance and say none of that is fees/charges which is absolute nonsense.

 

How do I proceed here?

All companies handling financial transactions have to hold all accounts info for a minimum of 12 years. Can't remember the law covering this, but it relates to tax records, money laundering. They don't have to hold customer statement information on a live system for 12 years, but it is standard practice to have an archive system. It is just that customer service staff are too lazy to contact their IT staff to access archived information. They should certainly be able to go back and easily provide statement for the last 6 years the accounts were running.

So i would suggest you go back to JD Williams if they don't supply full info.

I would also be sending a CCA request to Lowell for each account, if you have not already,