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About Scouse0151

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  1. Hi, thanks for your reply I got a message from clear score to say my credit score had changed, upon looking at it I noticed Lowell had me down as defaulting on £9k I will check on equifax to see if my original creditor had reported default and the date of the default,. i shall report back once I've looked on my full credit score site with the dates etc I've not requested cca from other creditors. I had a previous account with shop direct that was with very and an account with additions that got passed to very too, very had me as a customer on two different accounts (is that allowed? ) I cca to the original very account and they could not provide it so the account was closed , I had forgotten about that. Thank you for your help
  2. Thank you for the reply, I requested that shop direct stop the interest too but they never responded to my letters and continued sending out requests for monthly payments of over £1,000 per month I will be following all advice given on here as the stress of such a debt made up of predominantly interest is not good Once again thank you
  3. Thank you again for your help in this matter I will get the wheels in motion and see what reply I get back. Are Lowell allowed to show default on my credit score? They have recently added this debt on. Thank you so much
  4. Thank you for your speedy reply Sadly they kept increasing my limit and I had foolishly took advantage of their buy now pay later offers, I made regular payments until My Neurological disorder took a turn for the worse No idea why the interest is so high, this was set by the catalogue company £2,565.75. For purchases. £6434.63 for interest The debt was sold on the 15/02/2016 I'm unsure when the last payment was to them, I would guess about 2 years ago I did contact them about 5 years ago stating my mental health condition and ability to pay I have credit card and store card debts too sadly I have a mortgage on the house Is it not strange that they have 2 different dates stating when the account was opened? Thank you again
  5. Hi, and thank you in advance for any help and guidance on this matter. I requested a cca from Lowell regarding a debt of £9000 (which consists of mainly interest charges) from very catalogue. They eventually returned an in signed agreement that has discrepancies on. There appears to be 2 different dates they state the account was opened, one is 07/12/2008 and an alleged credit agreement with an electronic tick for my signature dated 29/06/2011 The total debt is for £9,000.38 Of which £6,434.63 is made up of interest. I am wondering what my next step is, do I contact shop direct about discrepancies or Lowell ( who are demanding full payment or they are sending the debt to the collections department). I have a neurological disorder which hinders my thinking process and mobility and I have been classed as disabled because of it. I find the constant texting and phone calls disturbing ( I had written asking for all correspondence to be delt with by way of letter when I asked for the cca as my speak is slurred ) As I am unable to work due to my disability the funds would not be available to pay the disputed debt. Would I need to request a sar at all? They have placed the debt onto my credit score now as being in default. Sorry for the long post (trust me this has taken far longer to type than it has for you to read it Once again thank you in advance for any advice given
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