Hi All Newbie here, hoping someone can point me in the right direction please.

Just over 10 years ago I lost my dad to dementia,

just over 5 years ago sadly he died,

unfortunately he wasn't insured or had any saving

it was down to me to find the money for his funeral

not having much money myself I had to rob Peter to pay Paul so too speak

a lot of my own bills got missed in order to find the money needed.

Long story short

I ended up defaulting on my very catalogue account,

they quickly sold it on to I think at the time it was Reston's, they gave up after a couple of letters

then Moorcroft took over again gave up after a couple of letters

then Lowell took over with letter after letter they even sent a 50% reduction letter at 1 point

unfortunately I buried my head in the sand and hoped it would just go away as I was in a bad place at the time after suffering ill health myself, no excuse I know.

Eventually this year I finally got myself together and started looking around the web to see if I could find some help

after doing some reading on various sites it all pointed to sending lowell a CCA letter by post which I did,

after approximately 6 weeks I got an email from a company called Lucas Credit Services Ltd

I thought it was time to join a site and seek help properly, the letter says :-

Dear xxxxx

Our Ref: xxxxx

Client Ref: xxxxx

Outstanding Balance: £4,724.88

We refer to your recent contact with our client Lowell.

We have attached herewith a copy of your Credit Agreement and Statement of Account as per your request.

Please note your agreement has been terminated and the outstanding balance of your account stands at £4724.88.

Please telephone this office on xxxx xxxxx on receipt of this email to discuss the matter further.

If we do not hear from you within the next 7 days, we are instructed by our client to refer this matter to their solicitors, Cohen Cramer Ltd to commence legal action.

We look forward to hearing from you.

Your sincerely

Attached to the email was a statement, an agreement and a blank agreement for some reason.

I joined Experian yesterday to check my credit file

on there it says I have 1 negative and it was Lowell that had recorded the default on the 26/02/2014 with a default balance of £4022

on the statement it says sold balance £4724.88.

now I'm wondering what I have to do next as it says never ring these people.

Hope this is enough information and that someone can help me please, thanks in advance

clock

all those dca's are the same lots

just rying to kid you the world and his dog are after you so it must be important

its not.

it might have been better to have not sent that CCA request

how did they get you email?

and I hope you've not responded?

the importany bit here is your last payment date?

just one last bit.

Lowell didn't default you , a powerless DCA cant

to OC defaulted you before sale.

dx

Hi dx100uk thanks for the reply,

I honestly don't know how they got my email

I can only assume it was the email I used for the catalogue I can't remember,

they are the only 1's to ever use it and no I haven't replied came here first.

According to statement last payment was 26/07/12 - Default date was 27/02/2014

In my credit file it says Defaulted accounts Lowell Portfolio I Ltd, Mail Order

This account has been defaulted

If you have incorrect details on your file contact Lowell Portfolio I Ltd

Entry Number C3, Account Started 14/03/2011, Default Date 26/02/2014 Default Balance £4022 and my Details.

Sorry I just assumed Lowell Defaulted it

Clock

nope they cant

upon sale the original creditor will.

i'd be getting an sar off to SD and get all the statements

then if Lowell do issue a letter before action

you are prepared

can we see the CCA return please

read upload

make SURE you redact things properly

All done

clock

CCA return.pdf

is the statement they sent as shown above correct?

If so you last ordered stuff in aug 13 and last paid in aug 13.

the delay in defaulting allows them to continue to add interest and pushed the SB date further into the future.

Both of these can be challenged but they are not your main problem.

However, you can ignore Lucas as they dont own the debt.

Lowells should have sent you a notice of assignment on the date they bought the debt and that should also match up with the entry on your credit files if they have indeed bought it.

The statements above dont have enough detail to show a true stateemnt of accounts so the SAR should yield information about interest charges, any fees added etc and when these were applied.

Once you get this back the experts will advise an what to do next

Hi ericsbrother yes your right I read the statement wrong last payment was on 27/08/13 I sent the SAR to SD this morning

clock

Hi Folks

I Received a letter today from Cohen and Cramer,

Do I fill this one in ?

I'm still waiting on the SAR from Shop Direct at the moment.

clock

Page 1 (8 files merged).pdf

Ignore it. Just another dca Lowell have passed it to. They can't do anything

Same lot next desk

what's next desk dk ?

clock

The next desk in the portacabin next to the bog

Please go read up about dca's

its a PAP letter

you should respond

tick box D

tick box I

circle all of the list

DO NOT SIGN IT!!

Thanks dx I filled in the parts you said and sent it off only printed my name. I never filled in the financial statement I left that out at this time.

clock

its a PAP letter

you should respond

 

tick box D

tick box I

 

circle all of the list

 

DO NOT SIGN IT!!

I wonder if this is a new tactic they've started to employ in order to get debtors to respond to powerless DCA's?

Call me a cynic!

no I think its the other way around

make the DCA's prove they have the paperwork first

thus putting them off going to court when they know and have been put to proof they don't have it.

I think the first DCA to do that

where the claim is defended will get hammered..

no I think its the other way around

make the DCA's prove they have the paperwork first

..

Yes, didn't look at it like that.

agree with DX,

what on earth can CC do now they have it in writing the debt is disputed?

They can only take instructions from the creditor and starting a court action without advising their client they are about to shoot themselves in the foot is contrary to the rules of being a solicitor.

Therefore they will need to see the paperwork to fill out the particulars of claim.

No paperwork, claim sinks.

Hi Guys

I received the SAR from shop direct today

do you want me to upload it all

or is there anything I should be looking for amongst it all in particular ?

I also received a letter off of lucas today.

I like the way they give me 10 days to reply with the date on the letter being 1st December and I don't receive it till the 11th lol.

clock

lucas.pdf

use the sar

findout why lowells are offering +50% off it

penalty fees letter/over/late phone call charges etc.

usually fixed sum like £20 £30 £12 etc etc

Had a good look through,

found 5x £12 Admin Fees and 1x £96 Admin Fee,

there is nothing in there about the 50% reduction letter and the only thing in there regarding lowell is below

img024.pdf

buy now pay later interest then?

dx

I think there was about 3 things on buy now pay later.

who do I make an offer too to pay it back lowell or lucas ?

You don't offer anything to anyone, least of all lowlifes!

Hi Bazooka, Sorry I don't understand who do I pay so I don't get a ccj ?