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Charizma

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  1. Hi, sorry to bother you all here. I am looking for some advice re a debt that my daughter has accrued and done nothing about. It is with lowell financial and my first post is at this link http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/79132-lowell-financial-my-daughter.html I followed the advice of the poster on that thread and sent a letter recorded delivery claiming that my daughter does not reside with us. I also cancelled the direct debit my wife had set up. My daughter does stay with us from time to time when she is no longer welcome at other friends houses but she doesn't live with us permanently. My wife opened a letter informing my daughter that they were sending debt collectors around to our house to seize goods and i am not sure of the legality of this. It is my house, my daughter is 24 and not living with us and has no goods here that belong to her. She has used our address to enter into phone contracts and such without my blessing and i am worried now that this is lighting a beacon if you like to Lowell!! I hope someone has some sage advice that my wife will take notice of, because she won't listen to me when i tell her to stop sending money to Lowell!! Regards Richard
  2. Hi Consumer Action Group and thanks for your time. I'd like to ask your opinion please. My Daughter obtained a Barclaycard in 2002, which she proceeded to run up £689.68 in debt. She is very poor at managing her life let alone her finances and so subsequently fell behind with payments. Barclaycard sent her numerous reminders, always managing to track my daughters' frequent moves down, until finally she comes to live back at home with my Wife and I. By this time Barclaycard have offloaded the debt to Lowell Financial. My Wife comes into the picture now as she finds a letter from Lowell dated 13/2/2007 with the words FINAL DEMAND, your account is now with the pre litigation dept. Worried sick, as we are moving to USA in 4 months time and the last thing we need is court action on us, and thinking that, as our Daughter is living with us now, we are liable for her debt, my Wife called Lowell Financial and offered to pay the debt off on a monthly basis. As i was not there and my Wife wasn't thinking straight I'm not sure how much verbal force was used on my Wife. Lowell being Lowell wanted the full amount straight away, but my Wife said she would pay £100 a month. They accepted this and set up a Direct Debit there and then over the phone. When i found out about this situation, apart from blowing my stack at my Daughter, thought this was the best situation at the time, however my daughter has no intention of paying us back and has moved out of the house now. We are not really happy with the situation. Can we cancel the Direct debit with Lowell Financial, telling them that my Daughter is no longer at this address? What, if any claim have Lowell Financial on my Wife and I? PS my daughter is 23 almost 24.
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