Hi I have sent a CCA request to Lowells for a debt they bought from Creation (Asda Credit card) and they have written back saying they have been in touch with Creation to ask them for the documentation - so they bought the debt without the paperwork? What do I do now?

Thank you dx, I am sorry to mess you around like I said head, sand etc but am going to deal with it now. Thanks again, I will let you know what happens.

Hi I have just received a letter from Lowells entitled 'pre legal assessment'. They now own a Creation CC debt of £9554. A default notice was sent on 7 Sept 2017 by Creation. After that date I have ignored all communication. I believe the account was opened in 2012 (I thought it was earlier). I want to start taking things in hand. Am I correct in thinking the first thing I should do is send Lowell a CCA request? Thanks in advance

Hi dx I have checked my credit file and it is all up to date with current addresses etc. There is nothing bad on it at all. I have removed my head from the sand and want to try and deal with my mess. Will you help me? I will have to do one debt at a time though as I just get bogged down and then hide!

Hi dx i have written on here for advice before, you were very helpful but I just buried my head in the sand. I’m at work so don’t have exact dates but default would have been mid last year. Last payment April 2017. No it’s not on my credit file but nothing bad is on my credit file, nothing bad at all and I have had 8 default notices and Barclaycard write off nearly 12k because they said they’d not treated me properly and gave me £75!! i think Santander and mbna are the only few who have not sold on. I’m just lost with it all. I considered going bankrupt but don’t have the fees!

They say their client is Santander and they’re acting on their behalf to collect outstanding debt of £2987.

Just received a letter from Drydensfairfax Solicitors stating they are acting for Santander credit cards to recover an outstanding credit card debt. Does this mean they are going to take me to court as they are solicitors?

Thanks Dx I really do appreciate your help.

Thanks dx, what about courts its am I likely to end up there? In summary then, send them all an offer of what I can afford, if they refuse or don't respond then £1. Will I ever get credit agin and where is the best place to read up?

And the likely outcome of doing that?

What do you think I should do next? (with all of it I mean)

Well if it is no one has told me? I have not had anything from a DCA relating to this card or any letters from BC advising this is what they have done?

No I haven't as far as I recall, I was working in a good job in 1995 so I can't see why I would and I have worked ever since? I looked again and it is showing 'account settled' 4/7/17 is that what you mean? The first payment I missed this year was due 15/5/17. Why would you expect an earlier default date?

1/10/17 the credit file says thats the last time BC was updated

The only default showing on my credit file yesterday was BC. The others have issued me default notices but there was def only one showing on my file. I have just checked again it is only BC showing as defaulted.

Wow? Yes I know but it has always been paid, I worked hard and earned good money that paid them. Dx - yes BC is still with BC

Hi Dx Here is the information you require: 1) Santander unsecured loan, taken out 2013, £1826 outstanding, default notice sent 11/10/17 not showing on credit file yet. Accepted offer of £10 payments. 2) Santander CC, Taken out 2013, £2934 outstanding, not accepted offer. 3) Virgin CC, Taken out 2009, £685 outstanding, not even acknowledging my letters. 4) MBNA CC, Taken out 2014, £6955 outstanding, accepted offer of £20 payments 5) Halifax CC, Taken out 2014, £4037 outstanding, default notice sent 15/8/17, being awful, constantly doing automated phone calls. 6) Barclaycard Taken out 1995, £12,217 outstanding default notice showing on credit file - date October i think 7) Asda CC Taken out credit file showing 2012 but I thought it was before then, also showing as Sygma bank which I guess is the same as Creation outstanding is £9544. It has been passed to Moorcroft to collect who have recently written to accept my payment offer that I made to creation. I know it looks like a lot, I have never missed any payments till I found myself out of work. The job I have now no longer affords me the luxury of these debs unfortunately, thats why I have been trying to set up my own repayment plan. Your advice would be gratefully appreciated.

Yes i can, it will have to be tomorrow now though as I have to go back to work. Thanks for your help.

probably 2007/8 I think. I haven't sent a CCA request, I am responsible for all the debt, I am trying to do the DMP myself. Most of the other cards are under 5 years old I would think. It may sound stupid but I was trying to do the right thing. Got paperwork coming out my ears and trying not to sink.

creation financial service

Thank you x

ok thank you very much. Why do you ask about which DCA are some worse than others?

It is an asda card so creation is the lender and the DCA is Moorcroft.

Hi, I am busy putting together a DMP and wrote to one of the credit cards making an offer of payment, instead of hearing back from them I heard from a DCA thanking me for my offer and giving me bank details. I am not really sure what to do.

Thank you all for your advice.