Hi, Looking for help and advice.

Some years ago I took out a credit card in store with Sygma Banks UK. (guessing around 7 years ago)

Having fallen on hard times due to chronic depression and anxiety attacks I was retired from work on ill health grounds about 5 years ago and came to an arrangement with Sygma to pay £5 pm.

The Account was then sold to Moorcroft Group and then on to Lowells.

I maintained the repayment until just over 3 years ago and have paid nothing since.

The balance listed is £1235.

Apart from the occasional letter asking me to get in touch and a heap of telephone calls which I haven't answered (number now blocked) I have heard nothing from them until recently and

I have now received a letter of claim from Lowell Solicitors stating that unless I contact them or make arrangements to pay within the next 14 days, a claim will be made against me in the County Court Bulk Centre without further notice incurring extra fees such as interest and costs.

My credit file is clear except for a closed account for Lowell which will be 6 years old in November this year.

The original agreement wasn't signed at the point of sale as I remember them sending me another form though the post a few weeks later to sign. I can't remember any further details though.

I'm pretty sure the original application was ticked to have PPI insurance although it wasn't taken up on the agreement form. I mention this due to my ongoing illness in case it might be relevant.

The only paperwork I have now is the letters from Lowells.

I don't have the money to pay it although in full.

If it's at all possible I would like to protect my credit file.

I was thinking of just setting up a standing order of £5pm which was the original payment plan and ignoring their letter. Is that likely to stop court action.

If protecting my credit file is not possible then I'm thinking of ignoring them and taking the CCJ on the chin and waiting for 6 years until it expires.

Any advice on how to proceed would be very welcome.

Thank you in anticipation.

youve been cash cowed and they got greedy and decided to go to court.

Sit tight, and the regulars will be around to tell you your next step

read the letter properly

I doubt it actually says WILL anything.

dx

oh and it was probably defaulted more than 6yrs ago so has been removed and cant comeback.

It does say "a claim WILL be made against you in in the County Court Bulk centre without further notice"

lowell say a lot of things and are litigious. Just because a claim gets made, doesnt mean they will win. Infact almost all their claims are based on unenforceable debts. They just rely on debtors having total lack of knowledge on how to defend.

Also if they are successful in getting a CCJ I assume that would appear on my credit file.

scan it up please to pdf

follow the upload

and we'll teach you how to read them properly

dx

Also if they are successful in getting a CCJ I assume that would appear on my credit file.

Thats a LONG way off and Any legal action by lowells is easily contestable.

Sorry for the delay. I am trying to upload a copy of the letter but so far without success even following the instructions above

Letter attached hopefully

Scan_20170522 (2).pdf

Ok. First response to them. CCA them. Stop them in their tracks. Do it first thing tomorrow and if they cant produce a valid agreement ( they very likely cant), then they wont get any CCJ against you.

Meanwhile sar the OC and get reclaiming all the charges.

Lowell are chasing hoping you dont find out the truth about the debt. Its very likely theres a bunch of charges to reclaim, and/or they wont get the CCA, even though it was fairly recent.

Thanks, I ill get the letters away and post the results or lack of them in here.

in eh?

which one?

many sigma cards were 'badged' so let us know

as the rep that sold it to you [did you get button-holed or took it out to pay for a store item on tick]

got a healthy bonus for selling the PPI I bet you have on it,

dx

I think the card was originally obtained via JJB sports to purchase a treadmill.

There won't be any PPI or fees included in the balance as I'm certain there was no insurance on the agreement and I contacted the company directly when my finances collapsed and they agreed to stop interest and fees.

Up to that point it was paid as per the agreement with no late or missed payments.

I was away all day yesterday so sending the CCA request and SAR today.

Remember, CCA to lowells, SAR to the OC

Hi and thanks again for the previous advice given.

I sent a CCA request to Lowells on 25th May

around 2 or 3 weeks later I received an acknowledgement stating that they are in receipt of my letter and will put further action on hold until they receive a copy of the CCA from Sygma.

They are obviously well outside of the timescale for providing the information but unless someone advises otherwise, it seems prudent to let sleeping dogs lie.

I didn't send a SAR as I don't need copies of statements and Lowells should provide a copy of the CCA if one is available.

TBH I didn't know what else I should be asking for.

Thanks again.

you DO need copies of thestatements IF you don't already have them

and more importantly you need a copy of the Account/comms log.

get it running.

the SAR is nothing to do with lowells and they wont know about it.

so even if sigma do hold the CCCA, you keep quiet.

you need to read up about how DCA's work.

dx

I have received a similar letter today and I am wondering how you have gotten on with your requests for the CCA and what is the outcome so far please, before I submit my CCA request

threads very old

you need to start a new thread

of you OWN

you wont get seen here

dx