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Bliss1987

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Everything posted by Bliss1987

  1. Not quite sure what a CCA is , but I found a legal form requesting info of proof the debt exists, they then provided the original online consent form of the account. There is no signed signature but I am guessing the online Consent forms are just as acceptable as the pen signature. I have just had phone calls from them since which I have ignored.
  2. Hi all, I know there are numerous threads on here but I’m going to post my story to see if I can get some personal advice regarding this. Lowell are chasing me, I have read all your views on how people shouldn’t pay them a penny or worry over them. They are chasing me for a Littlewoods debt, I have requested proof which to my surprise they provided. The debt was from 2012 (ish) but the latest payments were made 2017. I have no problem admitting this debt ( I lost my job and whilst I was in between work I couldn’t afford to pay ) now I had been a loyal customer with Littlewoods and after a few missed payments the debt was sold. My issue now is Lowell are on my credit file, ( Littlewoods were but it has changed ) I am wanting to get a mortgage eventually within the next year and I know this is going to hinder me. Is there anything I can do to get them off my back? The debt is roughly 4,000 however half of that is interest as purchases were made with buy now pay later so actually only about 2000 is actual debt. I am sure Lowell will add their interest too, so I’m guessing to them I would be worth a trip to court? Thankyou in advance
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