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About CC48

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  1. Hi, I wrote to the 5 catalogue creditors before I missed any payments to tell them what had happened when my then partner left. All agreed to accept £10 a month for when the next payment was due. All of them froze the accounts so no charges/interest would be added. I will however have BNPL interest on the Very accounts that will be added. My other debts are 2 bank loans but I am paying them as normal and they will be paid off in just under 4 years.
  2. Thank you very much. That's that sorted I will pay £10 a month as I already do but now to Lowells and whoever else my come along when the other debts are sold on. Glad to see Lowell's or any DCA can't add anymore charges on to what I already owe. So now it's just a case of carrying on as before and to stop stressing Your help/advice is really appreciated. Thank you very much. x
  3. Hi, I am taking your advice and I am going to pay £10 with the ref number each month via online bank. I expect this to happen with NEXT as they offered 6 months at £10 a month and the 3 Very debts - Very - Very ( Isme ) and Very ( woolworths ) accepted 12 months @ £10 a month each I now suspect this was to allow any BNPL 12 months to be added with full interest before selling on. I have a full incomings and outgoings that shows £50 available each month to be able to pay these 5 debts. I'm a little worried they will say £10 a month isn't enough as this will take 9 years and more for the very ones to pay off at this rate - unless ( hoping ) my circumstance change in that time so I can pay off more. I just need to know if they can try and make me pay more and then if I don't because I'm unable too - that they will then add charges for letters sent out to me or add charges on to the debt. Will they go forward and take this to court for a CCJ even though the papers I will submit to court will still prove I only have £10 per month for each debt? I am just worried - apologies for rambling on.
  4. Exactly the same thing happened to me today as well with a JD Williams account ( SimplyBe ) I had an agreement to pay monthly and it says on my letter they sold my account in December without a default notice to me.
  5. Hi, Thank you DX for your help. I have been doing a lot of reading but easily confused by it all and I just need to double check - apologies for that. If I send them £10 a month via BACs will that stop them going for a CCJ or is that a how long is a piece of string question. I have 4 other creditors I am paying £10 a month to and my guess is this is what the rest of them will do even though they agreed to 6 or 12 months payments. I get anxious over it all and I just want to pay them their £10 a month each and be done with it. What I don't want is the DCA adding more charges
  6. Hi, Yes it shows a Lowell ref number and their bank details to make payments to on the back of the letter. I will send it by BACs each month. Should I email them to say this is how I will be doing it. Can they say it isn't enough? I can send them incomings and outgoings as proof. Or do I just send a BACs when the next £10 is due in Feb and see if they contact me again? Thanks for your help.
  7. Hi DX I have been logging onto my SimplyBe account and paying the £10 a month that way. Do I email Lowell and ask them to continue accepting £10 a month as my circumstances haven't changed and ask for how to make payments to them? The money owed is correct they froze the account and interest when they agreed on £10 a month. Thank you for replying
  8. Hi, I'm back for more advice on what to do next. SimplyBe accepted my offer of £10 a month for 6 months ( 6 months is up in Feb ) I arrived home from work today to find a letter from Lowell. It says that JD Williams sold my SimplyBe account to Lowells on the 29th December 2017. Total balance £1,196.50 Lowell have been made aware that I am currently making payments towards the account. Any payments made after the 29/12/17 will be forwarded to Lowell Portfolio Ltd and will be deducted from the balance shown above. Please contact Lowell Finance on ( phone number ) to discuss the repayments you are currently making and transfer your current repayment to them and it is essential that all future payments an correspondence regarding the account is directed to Lowell Finance Ltd. What do I do? I have made all my £10 payments on time to all my creditors and haven't once defaulted. My situation hasn't changed and I can still only afford £10 a month. I am more than willing to pay Lowell and I do not want a CCJ if possible from any of the debts I am now really worried they won't accept £10 a month and go to court and the court say I have to pay more when I actually can't. I am shocked at SimpyBe they accepted my offer of payments. I never missed yet they still sold on my account whilst the agreement was in place. Where do I go from here please? I guess the other repayments I am paying will end up with a DCA so need to know what I do when their letters land. Thank you in advance.
  9. Thank you DX I will do. I have just made a £5 donation to your forum. I know it's not a lot of money but it's to say thank you from someone who has really appreciated advice when I felt completely lost. I will be back if I need more advice. If my circumstances do not change over the next 12 months hope they keep the payment arrangement a rolling thing.
  10. Hi Just an update for you. I wrote to all 3 very accounts - Isme - Woolworths and Very - NEXT and Simply be. Very ( all 3 accounts have emailed me today ) NEXT emailed me yesterday. ( Still waiting ot hear from SimplyBe ) Very ( all 3 ) and NEXT have accepted my offer of £10 a month for the next 12 months and froze all interest as long as the monthly payments are kept up. I am absolutely amazed and so relieved! I never thought for a moment they would accept as you read all kinds of horrible things on the www about how they are with customers. When I wrote to them I printed off a copy of my income and my out goings plus a list of all my creditors and I wrote to them before any payments were missed. Not sure if this helped but they have all agreed to £10 a month and it has lifted a lot of stress at once. Thank you so so much for the advice I was given here. I appreciate your help so much.
  11. Bazooka Boo my apologies this is all new to me and so many different www pages say so many different things that it is easy to get confused. I am ahead of myself you are right there and it's because I am so stressed at the moment. dx100uk I have probably been reading far too much. I am so glad I found this forum though and I am thankful for everyone who has taken time to offer advice. I will get those letters out and then be back when they respond. I intend to stick with you all the way through this. Also once I have finances in a better state I will definitely make a donation to this consumer group for helping me through what is coming. Once again thank you and I will let you know what they say.
  12. If/when they refuse the £10 and I am more than willing to keep paying it each month and they then sell on my debt to DCA's will I still have online access to my accounts to make the £10 payments or will they close my account and I won't be able to access it? How quickly do they sell on the debts to DCAs. You say the DCA's are powerless but aren't these the people who will take my debt to court and force a CCJ then the court tells me I have to pay them so much a month? Thank you
  13. Thank you for taking the time to reply Reallymadwoman. My partner moved out recently and I have no idea where he is. It wasn't a nice break up ( if there is such a thing ) until he gets in contact one way or another then I have no idea about if he will be paying towards the upbringing of his son. I would like to think so but also I never ever saw this coming. DX100 I have opened a new bank account today which has been accepted and they will post out to me all the account details within 5 working days. My pay date is this coming week so not enough time to sort anything for my direct debits and Halifax debts this time. Once I have my new bank account up and running and have arranged my wages and child benefit to go into the new bank and phoned all utilities up to swap direct debits to the new bank then I will write to Halifax once I have myself covered with the new account. I will get printed off the financial hardship letters to all the catalogues on Monday morning and get them sent out and I will come back to this thread when and if they reply. I will offer them each £10 a month as I can afford that amount without causing more financial hardship and if they do end up taking me to court then the court will see I have £10 a month to pay each of them I have started all of this by being totally honest with them. If they refuse - which after reading this forum and www seems highly likely - I will continue to log on to my accounts online and make the £10 a month payments. When I hear from them I will come and tell you what they have said if that is okay as this is all so new to me I really have no idea what I am doing so I will follow your advice as I can see you have helped out so many many people on here? Thank you
  14. Thank you dx I have just in the last few minutes been online and opened up a new basic bank account. I will be back soon a visitor just arrived sorry but I will be back. I will truly appreciate all your help and advice over the coming weeks/months.
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