Hi, I have today sent two CCA Requests as you suggested to BW Legal. I am in Scotland. I will wait until both have been signed for and then contact Walker Love to accept the SD. I will then send the denial slip back pronto. Am I right in asking if I should delete No 4 and should it be sent to BW Legal or Lowell recorded delivery. Thank you again for your assistance. P.S. Will let you know what happens.

H, I contacted you at the end of last year re this debt and you advised to send a CCA letter. I stupidly didn't send it. My mother is terminally ill and with dealing with her illness, time has just ran away from me. I have had to take out a small loan to buy a car to take my mum to hospital appointment and think this could have prompted Lowell now to go with the heavy handed approach. Two weeks ago I got a letter from BW Legal saying that they have now taken this debt over, there are two different Lowell account numbers added together on to one BW Legal account number. Then last week I received a letter from Walker Love saying the were visiting my property on 1st April to serve a legal document. The day after receiving this letter I sent the CCA to BW Legal recorded delivery, they have until Monday 14th to reply and then I know I can sent a Failed CCA request if no contact made. I have taken a print of the receiving signature from recorded delivery also. Today Walker Love knocked my door, I didn't answer. I then watched him go into neighbours gardens either side of my property to see why the could not get in through my back gate (It's locked). I was in a cold sweat that my neighbours would go out to him as he was right up to their doors. I got a note through my front door asking me to contact them. I was trying to put off accepting the papers until the 14 days had elapsed but don't want Walker Love prowling round my home again and through other threads see that Walker Love can act on behalf of Lowell/BW Legal and accepting the papers can be just another threat from them. Can you please advise me how to proceed. I have enough worry just now with my mum. P.S. this originally was a debt with the Bank of Scotland for a loan and credit card. I was a single mum with 3 kids and paying the minimal amount every month and every month they upped my limit. This debt will drop of my credit file next September with the bank. Thanks.

Hi Thanks for your speedy reply. I will sent the template and let you know the outcome. Thanks again for your assistance, much appreciated.

Hi Hope someone can help with this. Lowell took over this credit card debt 6 months ago from Bank of Scotland. The credit card was taken out about 10 years ago. I stopped repayments approximately 4 years ago. Just got a letter today from Lowell stating they have checked my credit file and see that I am a homeowner and are threatening to take me to court over debt. Debt is for £8500. Any help with were I go next would be gratefully appreciated as I have a terminally ill mother who I am nursing and this is worrying me sick. Thanks