I’ve received a letter from Lowell stating they have passed my account to Lucas Credit Services.

In the same envelope is a letter from Lucas stating that they will refer the matter to Cohen Cramer Ltd (solicitors) if outstanding balance is not paid within 10 days.

It says the debt relates to a store card but this does not show on my credit report(s) and I’m not entirely sure what it is. It’s for the amount of around £200.

The wording in the Lucas letter is:

“If we do not hear from you to discuss this matter or receive payment within the next 10 days we are instructed by our client to refer this matter to their solicitors Cohen Cramer Ltd to commence legal action”

Does the above mean that a CCJ claim will definitely be started or is it just scaremongering?

Any advice appreciated.

Thread moved to appropriate forum ...Debt Collection Agencies.

Regards

Andy

Lucas are Lowell are Cohen

When did you last pay this debt

And have you moved since taking it out

all the same?

Last paid in 2013.

Yes, but they are writing to my current address.

All Lowell group

You've moved

These are phishing letters

You must respond else you risk backdoor CCJ 's on any debt you've not updated the owner in writing of a change of address

Never run away from debt!!

Cca request time!!

I’ll try the CCA request.

Re a backdoor CCJ - could they still do this even though they have written to my current address? Bearing in mind I moved in 2013.

yes

That is Lowell's usual MO write to you at the new address, send the claimform to the old one, next thing you knoew they send threatening letters to your current address which they already knew demanding payment of their shiny dodgy backdoor CCJ

no first you know about it is bailiffs!

as this is a store card [who was the OC please?]

I've moved you to the store card forum

It was home retail group apparently,

Also, I believe since recently there is new legislation that means they have to send you documents to allow you to tick an option that is relevant before they can issue a CCJ claim form. Is this correct?

Also, I believe since recently there is new legislation that means they have to send you documents to allow you to tick an option that is relevant before they can issue a CCJ claim form. Is this correct?

Not heard that??

You're jumping too far ahead of yourself, a CCJ is a long way off yet, if at all!

Sorry this is what I mean, came in in October 2017:

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

https://www.nationaldebtline.org/EW/factsheets/Pages/pre-action-protocol-for-debt/county-court-protocol.aspx

Not heard that??

 

You're jumping too far ahead of yourself, a CCJ is a long way off yet, if at all!

Yeah just worried as they said about legal action and didn’t think they were allowed to threaten legal if they weren’t gonna go through with it.

Ah yes, I see, PAP, you only need worry about Pre Action Protocols when they mention it in a letter.

The usual untruths about legal action is nothing to worry about, why threaten 'legal action' when they can simply cut out the BS and dive right in.

Probably because they're hoping their empty threats will worry you into handing over your hard earned before they have to do any work.

Ah yes, I see, PAP, you only need worry about Pre Action Protocols when they mention it in a letter.

 

The usual untruths about legal action is nothing to worry about, why threaten 'legal action' when they can simply cut out the BS and dive right in.

 

Probably because they're hoping their empty threats will worry you into handing over your hard earned before they have to do any work.

True, didn’t really think about it like that. Anyway, I’ll let you all know what happens in a few days, if they do go through with anything.

So an old argos card

I got a letter from Cohen solicitors today and they have included the PAP.

It says I need to respond within 30 days and that there client is fully entitled to take me to court.

What is the best box to tick on the form?

I was thinking that as I’m not sure exactly what it relates to and want to see proof,

there is a box that says you can tick it to get more information and I think they have to provide it

- for example; orginal Credit agreement etc.

Is it best to do this?

Youve already posted what you need to do yourself in that post 13 link