Some of you may remember me from a short while back having been pestered by Lowell portfolio for an old shop direct debt,

I had two at the time they were chasing but they only pursued one to court process,

but they ended up cancelling proceedings.

As expected, they are back chasing debt no2.

It’s only started in the last few weeks with late night calls (I never answer but googled the number) and today I’ve had a letter.

It states “as the new owner of your account...” etc but they arent the new owners?

They have been aware of this debt for some years and it still quotes the same account number reference?

Do I just sent shop direct an SAR? (I think that’s the right term) and see what they have first?

Many thanks

Thread moved to the appropriate forum....

Regards

Andy

yes SAR

ignore lowells for now unless they've sent a Pre action Protocol Letter Of Claim

Just a quick update with this -

I sent off an SAR ans received my info back 6 weeks after.

Some of the font on the prints is incredibly difficult to read as it’s so small/blurry.

What do I do next?

Had a letter from Lowell today offering a 30% discount.

if lowells are offering a discount they know somethings up with it then..

Just had my first pre legal advice letter in he post, still calling me 3 x a day as per usual.

Is there anything I need to do in the time being?

pers id scan everything and keep a log of the harassment calls over the phone if you can

IF they are possibly looking at court

thet must send you a letter of claim and the pack that goes with it.

when did you last pay this?

The default date was Feb 2015, I’ve not made any payments since the default date.

I’ve got all my documentation together, they haven’t sent me an awful lot just a handful of discount offers if I agree to pay etc and then this pre legal assessment letter.

As mentioned above, I received my SAR back from shop direct with a refunded cheque.

I’ve skimmed through this but a lot of it is very difficult to read as the writing is so small and blurry.

oh lots of discount letters

always a good sign

Just had a quick check on my credit report and noticed Lowell have done a credit search on me this week, it just says purpose AF. Is this normal for them to do? I don’t recall them doing this before. They’ve slowed down on the calls, last letter I had they offered me another 30% off the debt etc. 

doesn't show to anyone.