CCA Request off to Lowell today, looking at some other outstanding ones I have to do the same possibly. I'm going to hold off on the SAR to Welcome at the moment, dx, I'm pretty sure there is no PPI or anything, if Lowell hold an enforceable CCA I'll probably go down the SAR route then to see what "might" be there. Thanks for the advice.

Thanks for the advice. Much appreciated. CCA Request off to Lowell today (they have another one of my old credit cards I CCA'd that too for good measure). Applied for my experian credit report to see if there are any differences to noddle. Hopefully I'll be in a strong negotiating position as a result of this.

The HP was with Santander. They passed it to a company called Bluestone Credit Management who started writing to me about a car I never had. I'm not too fussed about that one as I still have the contract and it clearly states I was within my rights to do this. I sent a letter terminating the agreement with the keys and V5 document by recorded delivery and they sent someone round to pick it up a couple of weeks later. So I think I'm in a pretty strong position on that one. dx advised me to start a thread about the Welcome Finance loan on the welcome thread, there's more details about that one there under the title, "Welcome-Finance-Loan-Lowell-CRAs" if you're interested and can offer some advice. Sorry it won't let me post the link.

Hi Guys, . One of my issues is to do with a Welcome loan I had The full story is; I took an unsecured personal loan out with Welcome in early 2009 (I can't be more specific with dates, sorry) I was making payment for almost a year and then fell into trouble and had to stop the payments. My life has been a bit tumultuous in the past few years, job issues, relationship issues, house moves etc, and just over a year ago I started getting emails from Lowell saying that they had taken over the debt, it was now £8167 with no further interest accruing and they wanted to talk to me. As I had gotten myself into a better financial position and they gave me the option of dealing with them online instead of speaking to anyone directly I agreed to start paying back £100 per month. I've now paid £1000 and got a recent statement from them confirming the balance is decreasing. in my research last night I was told about noddle and on checking the CRA, which seems very accurate to all the debts I know I have, the Welcome one isn't there. No info from the original creditor and none from Lowell (although another debt I have that's in the hands of Lowell is there). I know from reading some other threads that there is a mysterious investigation going on with Welcome just now and that all reference to them from CRAs has been removed. I guess my question is, would it be worth me stopping the payments to Lowell (as it's no longer affecting my credit) and to CCA them to see if they have the right to enforce the debt? If they don't then I'm in control, if they do then I can offer a substantially reduced full and final offer on the basis that there is very little downside to me not paying this debt in the current situation. Any advice is really welcome. get it?

I suppose I should wait and see what it says next month. I think I know why the loan debt isn't showing on the report, it was a Welcome Loan that has been passed to Lowell. I saw from another thread that you posted in that the Welcome debts have been removed from credit reports pending the outcome of an investigation?

Oh, its the same debt, from the original creditor on the closed accounts section to the DCA on the open accounts section. It's just confusing me because under the DCAs name on the open account section it shows as satisfied. I'm thinking the two possibilities are 1) They have written it off. 2) The DCA has sold it to another DCA, even though it doesn't show as debt assigned. It's actually an amount I dispute I owe in the first place, HP on a car which I voluntarily terminated at the halfway point of the contract and handed the car back. They say I owe the balance, I say I was entitled to hand it back at the midway point in the agreement, as the contract states. The original creditor defaulted me at the VT date, and a few months later passed it to a DCA, I've basically ignored the DCA and tried to only deal with the original creditor, I'm wondering if they've finally agreed I'm right. As they should ;-)

It's on the "closed accounts" section under the original creditors name where it says it's satisfied but if you drill down into the detail it shows it as being assigned. On the "open accounts" section its under the DCAs name showing as default up to April 2014 but it shows as satisfied as it appears on the list on lenders.

Thanks dx. That's been really helpful. Could I ask another noddle related question, one of my accounts is showing as "satisfied" with the balance still outstanding. It's on the open accounts list and was last updated earlier this month, is it more likely that the creditor has written this off or assigned it to another DCA?

Thank you for the noddle link. It's fantastic. The loan I have been repaying with lowell isn't on it, any advice?

Ah, I see. It might not be what I was looking to do then. I'd assume if it was unenforceable though it would give you more power in negotiation for a full and final settlement? They are varying dates, the Barclaycard one for example I've probably had since about 2005? One of the lowell ones is a loan that I had in 2009. I don't really want them to remain for long with no update on the credit file, I'm beginning to get myself back on track debt wise and will be looking to try and get a mortgage in the next two or three years. So while there may be a bad "history" on my file I wanted it to be just that, history, with nothing in arrears when I try to get my own place.

Hi, I'm assuming you mean on my credit report? like from experian? (sorry if I'm not up to date with the terms) To be honest I haven't asked for a copy of my credit report for a number of years, I would assume they are, but considering the saying about assumptions I'm thinking you're going to tell me there is a really important reason I should check? Thanks for replying.

Hi everyone, I have a few old debts and I'm now at the stage where I have them pretty much under control and I am thinking what my next move should be to try and rid myself of them for good. To bring you up to speed they are held with DCA's (Lowell is one of them) and I have been paying nominal amounts each month to them for about a year now, I was thinking about writing to them all offering full and final settlements of 10% of each (I'm almost in a position where I could afford this) and seeing how they respond. There is one that recently came out of the woodwork for an old Barclaycard that I haven't been making payments to but I was going to try the same tactic regardless. However, reading this site for advice on the full and final offer I saw people recommending to write to DCAs under the CCA 1974 to have sight of the agreement to see if it is enforceable. This isn't something I knew you could do and since these debts are all with DCAs and not the original creditor I was wondering how likely it would be that I may be able to get the debts written off on this basis and if you all could offer me any advice on this process, or on the full and final process. Thanks in advance.