Hi all , it is my first time ever discovering forums like these in my life.

I'm Matt I'm a 26 year old male and to cut a long sob story short i have been ignoring various debts for years as they always used to get passed from pillar to post so i'm not entirely sure which company owns which debt etc.

Following a bereavement in 2012 my life spiraled downwards into chaos , i drank a lot of alcohol every day for a long time i lost my home ,my job , my friends and just about everything you can imagine.

I used various payday loans to pay for my drinking once i had lost my job and i tried to take my own life in 2015 because of my debts.

I am still involved in mental health services i was diagnosed with Psychosis last year (2018) , i had a terrible time getting abuse 24 hours a day from voices in my head often keeping me awake for 4-5 days in a row.

I am enjoying a January voice free, i don't take any medication anymore , it's taken a long time to sit here and have the confidence to post here.

I received a letter today from a company called BW Legal which made me think it's about time i start working on a solution.

I was hoping for some advice, help with anything you can while i have motivation to try and solve a very big problem i have and this is my debts.

I have followed instructions from the site and i have obtained my credit report, to my suprise my debts are nearly £5000 less than i had anticipated bringing my total debt ( on my noddle report ) to £3745.

I am currently receiving ESA ( Employment and Support Allowance ) so i do not have a big income to pay a lot of money a month.

I did read about the statue barred sticky thread, i do believe some of my debts are older than 6 years old but i am unsure when the date starts from, also my memory is not very good about the past 6 years because i was drinking heavily. It is also the reason i am hesitant about contacting any of the companies for my account information. I do have letters somewhere dated in the past 3 months which i will try and upload.

I have 2 CCJ's i believe one is from Capital 1 credit card for around £500 and a parking fine of around £200.

Thanks in advance for any help i might get,

i have been signposted for stepchange by my mental health worker ,

but i was worried i might mess up any chance of Statue barring any debts that might be eligible.

I have downloaded a PDF from noddle with all my report on if anyone would like to see it.

Lowell £ 499

Lantern £ 262

Active Securities LTD £ 442

Capquest Investments LTD £ 1,288

Lowell £ 780

Lowell £ 217

Barclays Bank Plc £ 62

Ee Limited £ 152

Thanks again

ive retitled your thread and moved you to the debt self help forum.

lots of like threads to read here to help you.

1st the most important ones

the 2 CCJ's

cap1 wouldn't have taken you to court, they wouldhave sold the debt on and it would have been a DCA that took you to court.

what date is this CCJ please

2nd the parking CCJ.

it wouldn't have been a parking fine, they result in a magistrates court not a county court CCJ

so this would have been a private carparking operator speculative invoice like parking eye/VCS etc

as for your other debts

it would be useful if you gave us the following details on each debt entry

original creditor

type of credit

amount owed

defaulted date

who owns it now [DCA].

last payment date.

for the minute don't go doing anything

esp DO NOT ring or converse with any DCA

they are NOT BAILIFFS

and have

ZERO legal powers.

whats the BW legal letter about..another private parking ticket?

Hi thanks so much for responding so quickly. The letters for the CCJ's must of gone to an old address though.

CCJ #1 Issued by Lowell Solicitors for capital one credit card . Amount £499.13 Date issued 08/08/2016

CCJ #2 Not sure who issued this one, but i am guessing it's for parking eye it must of went to my old address years ago. Amount £200 Date of issue 21/04/2015

Debts

1.original creditor: Payday loan company i don't remember

type of credit: Payday loan

amount owed: £262

defaulted date: 11/08/2014

who owns it now [DCA]: Lantern

last payment date: N/a

2.original creditor: Some payday loan company i don't remember

type of credit: Payday loan

amount owed: £442

defaulted date: 07/09/2014

who owns it now [DCA]: Active securities LTD

last payment date: N/a

3.original creditor: Littlewoods

type of credit: Catalogue

amount owed: £1288

defaulted date: 15/6/16

who owns it now [DCA]: Capquest Investments LTD

last payment date: Not sure sometime in 2016 im guessing it doesn't show me

4.original creditor: Vodafone

type of credit: Mobile phone contract

amount owed: £780

defaulted date: 01/01/15

who owns it now [DCA]: lowell

last payment date: Sometime in 2015 i'd guess

5.original creditor: Jacamo catalogue

type of credit: Mail order

amount owed: £217

defaulted date: 05/05/16

who owns it now [DCA]: Lowell

last payment date: N/a

5.original creditor: barclays bank ltd

type of credit: overdraft

amount owed: £126

defaulted date: 15/10/14

who owns it now [DCA]: N/a

last payment date: July 2014

6.original creditor: EE LTD

type of credit: Mobile phone

amount owed: £152

defaulted date: 05/06/2016

who owns it now [DCA]: N/a

last payment date: December 2015

The letter from BW Legal i got today i have searched my credit report for it and it comes under settled on 26/1/17 when i click on closed accounts .

Thanks so much again for moving my post and giving me a quick response!

I'm sorry for being an idiot i didn't read your signature until i replied i won't reply with quoting again i promise.

My sister thought it was a good idea to email lowell after i recieved a letter a few weeks ago from my email. Will it count as contact?

"This email is regarding the account number in the subject title of this email .

Mr MXXXX BXXXXX is a vulnerable man , he is having severe mental health issues and we are looking to take action on several companies responsible for his mental stress , driven to the point of suicide by threatening letters.

He does not recall having any account with a company named Lowell ,

please can you provide details of when he opened an account with yourselves ,

with a date and signature so we can look into whether he was vulnerable at the time .

Matthew has made it clear he feels he was rushed into certain agreements , with terms and conditions not been fully understood due to this mental health.

Kind regards"

I also forgot to add , the BW legal letter is a letter threatening to put a CCJ on me if i fail to reply to them or setup a payment arrangement.

I have also found a letter from Lowell threatening me with a CCJ for JD williams(Jacamo) ,Vodafone & Vanquis (? Provident loan?) ( not on my credit report )

look on the BW letter

who does it state as their client.

as for the other letters

for the minute please don't contact anyone esp a fleecing DCA by any means check with us first now.

have either of the outstanding CCJ's been chased please?

Lowell Solicitors sent me a letter in December 2018 saying on 08/08/16 a CCJ was entered against you and you were ordered by the court to pay £50 per month.

It says they are considering options to enforce the CCJ as its in arreas.

The BW Legal letter says their client is PRAC financial LTD. ( Not a clue who they are ) on page 1.

Page 2 it goes on about how i entered an agreement with Instant cash Loans t/a The Money Shop and how i was assigned to their client

( I'm guessing PRAC Financial? )

Thanks so much again for your quick sharp response.

Never heard a peep from the Parking Eye one, like.. never. I've tried to answer 'being chased' the best i could.. thanks so much again.

hive off ALL the PDL loans to a new thread in the Payday loan general forum off the main forum tab top left of any page here

list ALL the PDL you have taken out be them being chased or not or on your credit file or not

on the home page of that forum you'll see an irresponsible lending guide

pers id be sending EACH LENDER YOU USED. an IRL claim as they shouldnr have loaned to you in the first place..you could get £100's of pounds wiped out or even back in you pocket here.

so from now on

this thread will be about the remaining debts.

your no .1. priority is to deal with the lowells CCJ for the old cap1 debt.

again this needs its own thread please

of the main forum tab again your see a financial legal forum

go start a thread there about that one

tell us the story like you have here about it.

this will probably result in you sending the court an N245 variation order but that's to be confirmed.

right

on with the other debts.

back soon

dx

lets get a few of the necessities out the way first as it will inform you, that, in the whole your situation is nothing to fret about

and to not rush off and start doing things because you've got lots of debt, scary letters, and court judgements, that need your immediate attention..nothing of the sort.....

even the CCJ's ...the worst they can do is pass it onto bailiffs, and they have no right of forced entry anyway, and will, if you want to, deal with you sympathetically, if they do get involved.

onto debt collectors..DCA's we call them.

now they are NOT BAILIFFS

they have ZERO legal powers to do anything whatsoever, other than what you have see which is get a CCJ, which is all you or I can do if we think someone owes us money, so don't fall for their threat-o-grams or think any debt with a DCa must be dealt with as a matter of urgency.

as for your debts, those still with the original creditor [for want of a name, for the minute can take a back seat.

as for the debts you mentioned later, those that don't show at all on your credit fdile, sadly that doesn't mean they are necessarily statute barred, it just means that the default the original creditor registered has reached its 6th birthday, and when that happens, the whole debt account is removed.

now sadly that doesn't mean its not owed, but if that's happened it reasonable to assume the debt might be statute barred, but only investigation into the debt will tell you that.

can I assume that NONE of these debts were taken out at your present address, so whomever owns them are not aware of your present address because you have not told them it?

Thanks so much again for the quick response and really valuable information i REALLY appreciate it.

None of the debts were taken out at my current address no.

I'm just trying to find out all of the payday loans i taken out , as there was a lot. So i can make a new thread like you suggested.

But i do still get letters from Lowell and BW Legal to my current address.

yes but they've only got that from say your credit file.

or voters.

officially you must tell your 'creditors' of your correct address else you'll get more backdoor ccj's like you've found.most can be defended IF you know about them.

but we'll deal with that tomorrow

ok time for bed

Good night and thanks for your help , i posted in the Payday loan section i will pm u my link

Thanks for your replies!

I have looked through a drawer i was shoving letters in,

I've received 3 letters from Lowell Financial LTD. in the past 2 months.

The accounts are:

-JD Williams £217.04

-Vodafone £780.07

-Vanquis £800.00

Letter #1 is dated: 28th November 2018

contents:

"Having assessed our options, we are considering instructing our solicitors to take legal action against you on one of the above accounts if you do not come into contact with us and agree an affordable payment plan.

letter #2 dated 12/12/28

Contents

Top half - We may instruct solicitors to take legal action to recover one of the above accounts unless i arrange a suitable payment arrangement on ALL accounts.

bottom half - Offering 20% discount on all of your above accounts if you setup a repayment plan by 26/12/18.

Letter #3 Dated 27/12/18

Contents

"We recently wrote to inform you that if you do not contact us to agree how you will repay your accounts , or let us know why you are unable to do this, we may take legal action on one of the accounts listed above.

We have now selected your Vodafone account with the Lowell reference ##### for possible legal action.

Legal Action Assessment of your Vodafone account.

If you do not contact us by 10/01/19 to agree repayment solicitors may be instructed to take legal action to recover the selected account.

This means court fee's solicitor costs etc etc will be added to the account which will increase the amount owed.

all may but if.

for the JDW and Vanquis [provident doorstep loan?]

send them a CCA request

.voda one forget about it.

same for capquest debt. send a cca request

the rest can be left

shame you've only today told us you used Redbridge..bunch of fleecers.

type in Redbridge in our search cag box of the top red toolbar

and read u on them

Yeah Vanquis was for provident door step loan originally for £500 now it's £800 i didn't pay anything back it was in 2015. Thanks i will send them a CCA Request and leave the rest. Thanks for replying again!

and the others I outlined post amended

just leave the bank od's and those debts still with the original creditors alone for now

Ok so to send CCA to Capquest, vanquis & JDW? Is this to the collection agencys or the original creditors?

the owners.

I've read up on Redbridge and ouch! If only i had found these forums sooner.

I will get onto getting a draft together for a CCA request to Vanquis , Littlewoods & JDW.

Thanks again for your replies !

the CCA's goes to THE OWNERS of the debt NOT THE ORIGINAL CREDITOR, they have SOLD the debt on...so lowells now yes???

please wake up at the back...

Time to give myself a shake!

Yes i will get them off to the OWNERS of the debts, thank you so much.

Sorry to post again!

Do i send one letter to Lowell and include both my JDW & Vanquis ref, or 2 seperate? One for each ?

I will also get one off to capquest.