Bazooka Boo what do you make of my CRA entries? is the debt outstanding? or is it satisfied?

okey dokey, will complain to freemans tomorrow, along the lines that I thought the acct was closed as the debt was sellted as agreed with EOS Solutions, and that I will not enter into any correspodence with Lowells and certainly do not acknowledge any debt to them or Lowells I will make the other complaint as you suggested - is there anything else that I should be saying in my complaint to freemans and consumerdirect? then will hit them with the CCA request - if they cant stomp i up then i cant be sold on can it? also should Freemans be on my CRA as a creditor? they simply arent there and its not 6years old?

Hello Bazooka boo, Lowells told me the acct opening date, my cra says: Company Name - Actio (ALBIS) special instruction indicator - Partial Settlement special instruction start date - 01/11/2007 Started - 19/10/2007 default Balance - £170 Current Balance - Satisfied thats the lot, when I rang lowells they gave me loads of talk that they had my cra and knew exactly my financial position! I was gobsmacked! Excellent for the links will take a look, on another note surely if Freemans had sold the acct the letter of assignment would have come under seperate cover and not with the letter from Lowells and certainly not have Lowells details all over it? looks like Lowells wrote the letter on Freeman letterhead, can they do that? do I have anything to go on or am I giving up and paying up they searched my credit file too - why would they do that?

hello and thankyou so much for replying, in short no I have not sent a CCA to Freemans or anyone else, when EOS offered a partial settlement I was happy to be able to pay it and the credit file balance marked at satisfied, when I called Lowells today they said the account relates to an account that was opened in Sept 2006 and defaulted by Jan 2007 I think, but on checking my CRA freemans are not even registered? EOS offered me a chance to pay the account and it would be cleared. Do I go back to EOS Solutions? I have no correspondence at all, I would have to go back to the bank to ask for my statements from years ago? have I been just bl**dy stupid?

hello anyone help me?

I have come home today from a long hard slog to a letter from Lowells exactly the same as postggi and a letter in the same envelope from Freemans.com stating that they have sold my account to lowells! and the new reference number is lowells and the contact number is lowells! the Sh***y thing is that I defaulted about 4 years ago on a Feemans catalogue and was offered a partial settlement, which I accepted and paid up, they are now coming after me for the alledged balance. So I checked my CRA and there is no Freemans cat on there but a satified account by the DCA at the time! Any suggestions? I mistakenly broke the NO. 1 rule and phoned the idiots and I told them to go back to Freemans and send me proof of debt, she told me to calm down and that it would be investigated! Have checked my CRA and it would seem that Actio (ALBIS) aka EOS Solutions have marked the account as partial settlement with default balance at £170 and current balance as 'Satisfied'. There is no mention of Freemans on my CRA at all? can anyone help me at all?

anyone bump......

helloo can anyone offer me any advice on this one? :=)

omg how weird is that - I have come home today from a long hard slog to a letter from Lowells exactly the same as postggi and a letter in the same envelope from Freemans.com stating that they have sold my account to lowells! and the new reference number is lowells and the contact number is lowells! the Sh***y thing is that I defaulted about 4 years ago on a feemand catalogue and was offered a partial settlement, which I accepted and paid up, they are now coming after me for the alledged balance. So I checked my CRA and there is no Freemans cat on there but a satified account by the DCA at the time! Any suggestions? I mistakenly broke the NO. 1 rule and phoned the idiots and I told them to go back to Freemans and send me proof of debt, she told me to calm down and that it would be investigated! ooooo I was so annoyed! so what do the CAG make of this?

OMG thats a scarry thought is thats whats gonna happen to me? I been paying the monthly installments good as gold with no missed payments?

am I opening a can of worms by corresponding with them? as I ignored the last letter they sent me approx 6 months ago asking me to complete the same letter?

I would be ever so thankful if someone could take a look at my post and give me some advice.....

matttyhow did you get on with this ? I see that you had no response from the CAG?

can anyone offer an advice please?

can anyone offer any advice on this please

and definately no notice of assignment, I would have remembered that!

I dont realy have much paperwork to be honest and cant remember a default notice, just emember the solicitors letters threatening court action, do I send a normal CCA request and what about a SAR? not sure what applied to what and willl look at my statements to see if there are any charges - can I reclaim these?

I opened a Next Directory account more years ago than I can remember and due to having a child, returning to work and paying silly nursery fees found myself behind on payments and tryin to keep the wolf from the door, so in a nutshell I never paid enough quick enough and the letters can flooding in from Lewis Group and Howard Cohen which scared the pants off of me, I entered into an arrangement with Lewis for £30 pcm on a DD to settle a balance of £1200, this made me happy and felt that I could at last sleep at night again, this agreement was set up in June 2009, I am now getting letters in the door from Lewis telling me that they are reviewing my account and I need to complete an Income and Expenditure form which is requred prior to court action, can anyone offer any advice, I been reading on here and see that Howard Cohen are slippery little suckers and dont want to bite off more than I can chew. Thanks anyone. wisingup