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Lowell offering 50% discount on old Halifax overdraft


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Hi All

 

Lowells have just offered me 50% off a £5k debt on an overdraft from 5yrs ago.

 

I have a letter and also on their system it shows the 50%.

 

I can pay either in full or in part by Direct debit.

 

Are overdrafts harder to defend due to not needing a CCA? Or os the opposite true and it's harder for them to go to court with?

 

They say this won't remove the full debt from my file.

 

This is what they say:

 

Note: If this account is on your credit file and you opt to pay the 'Discounted Balance' your credit file will be updated to show as 'Partially Satisfied' once your payment plan is successfully completed.

 

If you choose to pay the Full Balance your credit file will be updated to show as 'Satisfied'.

 

It may take up to 50 days for your credit file to be updated. If you do not maintain your payment plan, your discount will be removed.

 

I am leaning toward accepting this if I can pay by DD in affordable amounts and with no interest.

 

However, if I pay by DD it seems open to Lowell changing the terms mid way through.

Am I correct in this concern?

 

Based on reading here,

most cases are mainly based on F&F payments not DD,

 

but I assume I need to write letters and get it in writing that they confirm if I start payments via DD then it will be full and final "settled" on my credit file when the debt is repaid?

 

Any other advice before I enter into communication on this?

 

Lowell had 2 debts of mine from this bank.

 

One CC and one overdraft.

 

The CC has been cancelled due to no CCA.

 

I actually had a loan from the same bank which was meant to consolidate the overdraft and CC.

 

The bank gave me the loan based on them cancelling the CC and overdraft.

 

They said it was a requirement for approval of the loan from the underwriter.

 

They did neither and I crept back into debt with both.

 

Thanks again all.

 

D

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Who was the OC?

And when last payment

 

Let me guess HSBC by any chance?

 

Ah I see this is Halifax re old thread

Per I'd never f&f

Burn the money far more useful

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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Personally I'd NOT be paying them anything.

 

Ask yourself WHY the bank flogged this on to Lowlifes...

 

It'll be littered with reclaimable penalties, fees, and interests.

 

Does this show on your credit file?

 

NEVER EVER pay a powerless DCA by DD, EVER!

 

If you want to waste money, then I'd be sending Halifax a SAR (£10) and getting sight of the overdraft and reclaiming all those fees and interest.

 

TBH though, I'd ignore them, you're less than 12 months away from SB, and agreeing to pay these crooks by DD will reset the clock, and it all starts again.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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50% means its very VERY likely a lemon debt. Sar the OC.

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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Thanks all. Seems unanimous! :)

 

I have SAR'd the bank in the past and claimed back agains the CC.

I didn't realise I could reclaim fees and interest on the OD.

I'll google that.

 

There will be a lot

I lived in an agreed £5k overdraft for 3-5yrs.

That would have been several hundreds per year.

I think it used to be £1 a day up to £1500 and £3 over £1500. Something like that.

 

Should I SAR now or ignore it and then SAR if they try to take me to court?

 

I assume if they attempt court I could then go and SAR and calculate the fees?

 

Thanks

 

D

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If youve got a lot to reclaim, go for it. Thats probably why lowell are offering a discount. "Pay us something please before you realise you could reclaim a hell of a lot and almost or likely will wipe out the debt and we get nothing."

 

It's very likely chock full of charges which is why its been sold on and theyre offering a massive discount, hoping that you think 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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Okay, thanks. I've just been quickly reading up and from what I can see I can only claim the charges and not the overdraft fee (due to the 2009 case)?

 

If I went back 10yrs and could charge for the arranged fees then I'd definitely have a lot. I was always overdrawn by the end of the month.

 

I'll SAR this week.

 

I run through the SAR and basically pull out all of the charges and interest fee lines and add them up?

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you cant reclaim the interest

but you can use the CISHEET

that calculates the interest the penalty charges caused you automatically

 

 

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

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