Hello,

I am having some issues with Lowell about a JD account.

They have been hassling me for a debt,

but the figure is much higher than it should be.

I wrote to them and said that the figure is wrong and that I am waiting for JD to reply to me,

Lowell said this to me:

I appreciate that you are awaiting a response from JD Williams, however as previously advised, they are under no obligation to respond or to provide a figured owed. This is because Lowell are the legal owners of this account.

If you wish to dispute the balance of this account it would need to be done directly through Lowell, which is something I would be happy to do for you.

I thought that JD DID have to answer me about the balance?

I feel a bit bullied at the moment as silly as that sounds,

as they send so many letters,

but I don't and can't pay the larger amount they are requesting.

Also, I know that JD added a lot of £12 fines for late payments and admin charges etc,

can I legally ask them to remove those?

I am not sure what I should do..

Any help would be greatly appreciated..

when did you take the account out please

and is it on your credit file?

dx

Hello, thank you for your reply.

It was taken out on the 16th Nov 2013. It is on my credit file now, as Lowell have listed it as a default on the 12/01/18. I checked back on old emails and it says I last made a payment on the 12th June 2016.

JDW would have defaulted before sale

lowells name replaces JDW upon sale.

i'd get an sar running to JDW get all the statements

see how much is penalty charges

Thank you for your help, I will do that.

I read your post elsewhere about SARs and am a bit confused..

You said that people MUST sign the SARs, but then later on in the paragraph say not to and to use a post order too, so they don't have a signature. So, do I just type my name on the SAR and not use a pen to actually sign it?

now go read the sar and all its posts again.

Ah yes, I see my error.. Sign the SAR, but if you need to SAR a DCA- do not .. thanks!