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Old Halifax Credit Card debt - Lowell offering 90% settlement


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I have an old credit card debt from when I was younger and stupid with money due to fall off my credit file June this year.

 

Lowell have started writting to me again, it's been a good 2 years since I heard from them.

 

I suspect they know it's going to fall off my file and have come up with an offer to settle for 90% discount.

 

Is it better for me to wait until June or would I benefit from settling the debt at 90% discount?

after all its only going to cost me £300 which is pretty much nothing compared to my income now.

 

Lesson learned I guess!

 

my question is which does me the best favour credit rating wise,

 

it's frustrating I have good income now but because of things I did when I was in my early 20s I have issues borrowing for cars and a mortgage.

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If they are offering 90% discount..you really should be asking why ? send them a section 77/78 request and ask for a copy of the agreement before even considering payment.

 

Regards

 

Andy

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The problem with paying the money is that you will acknowledge the debt.

If this was me hang on for another month unles you get any sort of letter before action and ignore.

 

The most important thing is when was the last time you made any sort of payment towards this debt?

 

Just because it falls off your credit file does not make it statute barred

 

But that is me and you will have to decide what action to take

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paying will not improve your score nor remove the default.

bit it will reset the SB clock

and leave you liable for the 90% when they sell it on as you've ack'd the debt.

 

 

begging letter!!

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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90% means its a lemon debt and they know they can NEVER enforce it at all. As advised, send the CCA request and laugh hard at them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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To add, there's either no paperwork, or the debt is long SB

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The problem with paying the money is that you will acknowledge the debt.

If this was me hang on for another month unles you get any sort of letter before action and ignore.

 

The most important thing is when was the last time you made any sort of payment towards this debt?

 

Just because it falls off your credit file does not make it statute barred

 

But that is me and you will have to decide what action to take

 

Many many years ago 2010/2011 was that last time I made any payment

 

 

the last time I heard from the credit card company was then.

 

 

Lowell sent me a few letters in 2013/2014 but heard nothing or spoken to anyone since 2010/2011.

I just ignored Lowell and have moved 2 or 3 times since 2010.

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Just ignore it completely. 90% means it is a lemon debt and they know they cant enforce it. Which is why t hey send a desperate begging letter but theyre so obnoxious they make it out as if theyre doing you a favour.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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shld've just ignored for abit to see if it gets barred. if you didn't want to settle (only settle, if at all, re a reduction if its re the remainder wont get sold on, but note it wld be a 'partial settlement')

nudging the cra may end up nudging the dca

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statute barred then if you've made no payment since atleast 2010/11

lowells will always think SB = Defaulted DAte which is wrong.

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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shld've just ignored for abit to see if it gets barred. if you didn't want to settle (only settle, if at all, re a reduction if its re the remainder wont get sold on, but note it wld be a 'partial settlement')

nudging the cra may end up nudging the dca

 

I have ignored it they wrote to me I haven't replied to it or rang them.

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Have had a couple of these - the 90% discount in both cases was followed by a letter a month or so later stating that following a 'review of my account' they had closed the file and would not be contacting me again

 

Certainly ignore unless and until something arrives which looks like a Letter Before Claim

Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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have you moved from the address that you took this credit out at?

and they are blindly writing to an address they 'guess' you are now resident at?

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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have you moved from the address that you took this credit out at?

and they are blindly writing to an address they 'guess' you are now resident at?

If so there is danger of a back door CCJ.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Have we helped you ...?         Please Donate button to the Consumer Action Group

If you want advice on your thread please PM me a link to your thread

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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have you moved from the address that you took this credit out at?

and they are blindly writing to an address they 'guess' you are now resident at?

 

I assume they've looked at my credit file to find me as they are writing to me and trying to ring me but I've blocked their number.

 

 

Letters they are sending are just settlement letters nothing else.

They haven't sent any threatening letters for years and years and as I said I've moved two or three times.

 

 

Come to think of it I don't think I've ever acknowledge it or spoken to them EVER I know they bought the debt from Halifax.

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they know time is short-or expired so they are trying to get you to pay them something just to acknowledge the debt and then if you arent careful you will be lumped with a demand for the whole lot.

 

 

I would do nothing and if they send a lba you respond with a CCA request.

That will force them to get hold of the original documents which will waste more time and actually show what the reported default date was.

 

 

That is probably a couple of months out

so will give you more confidence that the debt is SB and they are just trying it on.

 

Think about it, why didnt they just send a N1 court summons rather than some stupid offer if there wasnt something dadgy?

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retitled and moved to the Halifax forum.

 

 

 

 

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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get a CCA request running to them

that will kill two birds with one stone.

inform them of you correct address

and put them to strict proof.

 

 

even if it is SB'd nor near

that wont stop them issuing a claimform to the address last registered to Halifax.

 

 

large discounts that are not bitten on

usually make them more confident they can get a backdoor CCJ.

 

 

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

no its a legal request

go read the full CCA request thread and all its posts

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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Does this form run the risk of restarting the clock on the default/debt? I cannot afford to wait 6 more years for it to clear.

 

You can always add the heading to the CCA request...." I do not acknowledge any debt with your company " if it makes you feel better but no a CCA request is not an acknowledgement of a debt.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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