letter from hamptons legal do i send them cca or lowell it.

lowell on credit report

ok found info now its not SB as payment made till few years ago but card issued very late 90s so should i request cca

will need to check credit report i think for things but will take a look in the library.

i believe it to be a defaulted credit card that was sold on to these lot.

Hi

Just recieved letter from above parasites. What is best course of action to take with this and any links/etc be helpful to me for reading purposes as new to this.

----------------------------------------

My name and Your Lowell account:

address Lowell reference number:

xxxxxx

Original company name:

xxxxxx

Original account number:

xxxxxxxxxxxxxxxxx

You owe:

£xxxxxxxx

Dated

xxxxxxx

Dear xxxxx

Overdue account

After repeated requests for payment, Red Debt Collection Services have instructed us to pursue you for the overdue balance on your Lowell Portfolio I Ltd Account.

You are contractually responsible for paying the debt. Unless you send payment to us or Red Debt Collection Services immediately, we may prepare for more serious action, which could include applying for a county court Judgment (CCJ) against you.

Once legal proceedings have begun, we may be able to claim the money you owe together with :

. The interest accrued on your overdue account.

. Legal costs of recovering the money you owe.

If we are granted a CCJ you could face the following consequences.

1. Any CCJ against you will be recorded at the Register of County Court Judgments and remain there for up to 6 years

2. We may apply to enforce the Judgment for example by using bailiffs or applying to recover the money you owe by making deductions directly from your earnings.

3. Failure to repay your debts may have an impact on your ability to obtain credit in the future or the terms on which credit is available to you. Lenders will look at how you have repaid your debts in the past before the decide to grant further borrowing.

If you do not contact us or arrange payment we may begin proceedings.

Call us on 0113 394 6317 to agree affordable repayment plan. Our range of payment methods can be found overleaf.

Yours faithfully

(photocopied signature)

xxxxxxxxxx

Director of Legal Services.