so sent cca to lowells on wednesday sent sar to shopping direct thursday.do i wait for lowells response before sending the acounts in dispute letter.and are they still able to send me payment request letters during this period?

lowell have bought my debts if they had any real chance of getting the money back surley they wouldnt still be waiting 3 years on.shouldnt i have been in court years ago or atleast had a doorstep collector and in my email there only chasing to of the debts.

thanks for the speedy reply.finally got to have a look at my credit report and lowell have defaulted me on 7 mail order accounts?from 2007 to 2010

thanks dx but i cant find the address for shop direct to send my sar to can you post a link or something.

anyone know how i find out where to send the sar to littlewoods and marshall ward?

ok 2 cca sent to lowell for two catalouge debts that i have been emailed about.what now? getting sar ready to send off.

more likely 4 years.i still dont know how lowell can make a statuary demand on a debt that i havent even acknowledged or admitted liability for.so do you think start claiming charges and penalties now before they try a staury demand.so if they do its already in dispute?what are the implications for me if they do go for a sd.

well the 2 emails i have had from them about concerning 2 different catalouges 1 is for 370 and 1 is for 1000.i can still refuse to acknowledge the debt with them with a statuary demand cant i?

and this means?

again thanks for speedy reply. so the 1 pound postal order you send with the cca req is it to be made payable to lowell.and could they not twist that as me making a payment against the debt? i wouldnt put it past the **** from what i have heared about them.also do i need to get the cca req witnessed i haver sent it?

can you claim back late payment fees even if your catalouge debt has been bought by lowell.

thansk for your speedy replys on this. so i just joined experian to get a look at my credit and i have to wait 5 days for a pin to see more detailed information unreal.is there any other way to see if a debt is statued barred.also are all statue barred debts in my credit report.

i think a couple of the catalouges i had could be over 750. isnt sending a cca letter aknowledging who i am and where i live and acknowledging the debt. i only own half the house i live in with my partner she works i dont work. and what happens if they do send me the oc credit aggrement .and why do so many people say that if lowell have bought the debt from the catalouge the debt is settled at the risk of lowell. ie they paid it in the hope i will pay them.and what do you think the outcome will be if i just return to sender there letters with no contract on them. whats the impact of them threatning bankruptcy. do i still have to pay them im not to fussed about my credit score or rating.

not sure the date of the last payment maybe 4 or 5 years.i havent paid lowell anything or akcnowledged the debt to them.i have a couple of emails from lowell not sure how they got my email with the usual make us an offer.is there anyway of checking my credit record for free.i do own my own house but its paid for no mortgage.thanks for your quick response.

just wondering if anyone can give me some advice on how i deal with lowell. so same old story had a few catalouges fell behind with payments and ended up with this firm lowell chasing me for money.they phone and send letters im not even sure how far the debts go back. i was getting about 3 to 4 letters a week now its down to maybe 1 a fortnight i have never akcnowledged who i am to them on the phone or replied to letters i done the usual trick buried my head in the sand and put them in the bin. i think i was just waiting to see if a bailiff or court summonds would turn up then it would have been real to me.not even sure how much i owe as i dont even open the letters.iv seen a lot of youtube videos on advising that if the debts sold from the oc its basicly a dead debt.and iv seen videos on sending lowells letters back with return to sender and no contract on them. basicly whats my next move.any advice would be appreciated.