I'm doing this on behalf of my other half (she's not on here) and if you have to move feel free

Now I don't know the exact history of the account but her brother had a credit card (at least I think it was)

Lowell have constantly been on the phone to them telephone harrassment bla bla the usual drill

their solicitors (the so called solicitors) sent a letter apparently saying they we're going to go for a CCJ (but not sure if that's just a theratogram)

the few other problems the person getting harrassed by them does have special needs

(which won't be curable obviously)

my other half went to the bank today and did find out that the account was closed on lloyd's end May 2012

so the last payment was god knows when

also she said (I not sure) she said she signed a waiver last week apparently adknowledging the debt (which at the moment stands at 2376.32)

The family don't have a lot of money so they would not be able to offer lowell a great deal per month

(the account was sold on to them and lloyd's not taking anything to do with it)

that made a lot of sense

so its a credit card debt

not paid since?

is It on their credit file please?

if so what is the defaulted date?

does the Lowell sols letter mention pre action protocol and the title of letter of claim

Not made it very clear have I?

What she's not sure about is the last payment made (seems to be the sticking point)

I'm requesting a pic of the whole letter so I can see exactly what it's saying

She doesn't want to send me the whole letter (great trust after 7 years)

but on the front she says it's saying letter of claim

(I can upload some sort of pic of the bit she's prepared to send me)

pre action protocol letter

https://www.consumeractiongroup.co.uk/forum/showthread.php?481827-The-Pre-Action-Protocol-for-Debt-Claims-is-made-by-the-Master-of-the-Rolls-as-Head-of-Civil-Justice.-1st-Oct-2017

tell her to go get her credit file.

she MUST respond to the letter

see post 6 of the above thread

find out that last payment date 1st mind

I trying to explain to all of this to her now (sent her that attachment on that page you showed me)

only issue is I did ask if her brother has a bank card and he doesn't have one at all so he can't register (Noddle so forth)

if he could find out that he would have a clearer idea but lack of a bank card bit of a issue

she's saying she's already sent that exact form off I was linked to and a income and expenditure form (she ticked box F she said) needing time to pay and a proposal for repayment

urgh no!

never admit a debt to a no powers DCA they are not bailiffs!

get her to send them a CCA request

https://www.gov.uk/government/news/o...credit-reports

Consumers can now view their credit reports online for just £2 following an agreement with the three major credit reference agencies.

Victims of ID fraud and the financially vulnerable will get free access to their reports.

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citizenB has just replied to a thread you have subscribed to entitled - Help! - Natwest have instructed capquest - large debt - in the Debt Collection Industry forum of The Consumer Forums.

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This thread is located at:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=330724&goto=newpost

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Here is the message that has just been posted:

***************

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

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Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

.

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

.

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

.

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

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Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

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Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

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Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

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Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

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Send with a £2 postal order.

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You can use Experians online free trial. just make sure you cancel before the trial runs out

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Address

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Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

.

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

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*My full name*:

.

*My Maiden Name: *

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*My Date of Birth*:

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*My current Address*:

.

I have lived at the above address for XX years.

.

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

.

*This letter must not be regarded as granting your Company any Data Consent*.

.

Yours faithfully,

.

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

.

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

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there is also

http://www.checkmyfile.com

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....ends

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I knew she shouldn't have admitted or adknowledged wish she had spoke to me first before jumping the gun!

OK she's going to go down the CCA route for him (the next step I guess)

get him to ring Lloyds and ask last payment date .

To update (closure)

I told my other half to stall them.

She did.

Lowell have closed the account (she was going to do a DRO told her not to)

Also got told today that Crap bot (you know who I mean) have started calling

but the letter from lowell also stated that the default was May 25th 2012 (that's when it was registered) so only a few more months of stalling and that's that

there is no link between default date and SB date!

action post 9!

Sorry confused. Action post? (where abouts)? I thought as soon as the default date was reached means unenforcable?

Default Re: Lowell/LLoyds question for my other half

get him to ring Lloyds and ask last payment date . that is the request do not over think at this stage

god you've been here 10yrs and still think that....

go read post 9 in your threads and action it...

Sorry clueless. Just seen (I know I know not with it) I'll pass that on

OK found out a bit more. The bank has been contacted and "Apparently" the last payment was made on the date the default was issued. I not sure about much but even I know that's not possible

urh?

unless he had missed payments before hand and thus they issued a default notice..

and he happened to pay something on that exact same day that cant be correct

That's exactly what I thought.

I would say this is dead in the water (explained that to her)