Hi

Can someone advise,

I owe money for an old credit card (aqua- new day form 2013 ),

they're saying amount owed is 4427 now on the Lowell letters, but the limit was only 3500 so must be a lot of charges added,

I have had a few letters that I've filed, but now I've got a letter of claim from these guys dates 29/01 saying

This letter is being sent to you in accordance with the practice direction on pre-action conduct and protocols, giving me 30 days to pay before they may commence proceedings.

I guess it's not good to ignore this one?

Do I send them A CAA request ?,

and ask how they reached that figure,

id ideally like this to go away or get a vastly reduced settlement that I can afford,

I don't want to fill in there income and expenses form...am I required.?

I've been reading through the forum trying to figure out how to approach this but I am a little confused.

Thanks in advance.

Yes they have sent me that form with the letter of claim,

they seem to have all the correct details on the letter saying the date of assignment is only 07/12/2017,

so that's fast to send this letter out isn't it ?

So i send the form and CAA request together ?...and then wait ?

yes only do as post 6 in that thread

Thanks ill let you know how I get on.......Do lowell normally send this letter that quick they only got given it at the end of the year!

have you moved since getting this card

no

so no missing mail

in a way they know they could be onto a winner here

as its a very new card so little chance of any paperwork wriggling as long as they can produce it!!

might pay to get an sar running to aqua to get all the statements

or if you still have online access get them from there.

findout why they've sold it on.

Hi,

i got a letter today dated the 20th Feb , 14 days from the letter I sent saying that they were requesting the information and the account will be put on hold while they wait,

they included 2 other letters they say they sent me

I recognise one but not the other,

saying they're acting on behalf now etc

interesting enough dates the 19th Feb the one to say the account was sold and they now own it ,

when I wrote to them on Feb 6th! (i never got this other than with this letter, ..

...should this have not proceeded the letter of claim ?

The letter also states they are under no obligation to disclose the deed of assignment to me then goes to state the bit about requesting assignment, statements and default notice from the original creditor (aqua).

What do I do now...just wait or send another letter ?

Thanks in advance

who said ask for the deed?

let it run no need to chase anything.

did you get the statements from Aqua?

I don't know I didn't? , I just sent the letter as per the post 6 in that thread above.

Do you think they'll get the information ?.....is it odd they put in a letter that they never sent telling me they have the account/ are owners now after the letter of claim?

Aqua was paperless and I'm now locked out so no statements and they haven't posted any others, applied and ran online.

ah so its lowells playing silly bees again ...

i'd get an sar running to aqua..

yes currently waiting for that information