Thanks very much just to double check when you say write to them do you mean write to Current Dca my Lowell case is different to this one is with Link Financial but they are all the same thanks for all your help

Yes I moved just over 5 years ago but I’m not sure the accounts where new them or I changed The address the accounts I have no access to any more my last default on then was around 2 years ago thanks

Ok as I said I’m really not 100% sure I would need to check my credit file I think is the only way to check as I don’t have access to any of these old accounts anymore or what would you suggest ? thanks

Yes I’m pretty sure they would they have been sending me letters to my current address for about a year now my default definitely started while at my current address also once again thanks for your help

I would have to double check definitely not moved since it been assigned to the DCA since I could possible check to see what address is on my credit report to these debts thanks again for your help

Thanks no my address are all current as received letters this one though this time looks like they are using company called dentons ukmea

I’m sure I haven’t received that but will double check again thanks again for your help !!! If I receive anything I will update here for sure thanks

Hi, still not heard anything from other debts as ignored them fortunately my other case was dismissed as can be seen in past thread I did this with all your support much appreciated !!!

I will update it asap it was a personal loan

Sure I will fill it out ASAP So at the moment I should just ignore till I get any legal paperwork through for my debts I will definitely keep this updated with all letters I receive as I hope it will help others also

Unfortunately it can creep back up however they did say to me it’s never happened yet in all the cases they have won and they also claimed quite large fees from them also but next time I will fight myself and also claim back the court fees etc really appreciate all your help as I said

Update on my case Unfortunately I really got very stressed and frustrated as lacked the confidence so I used a solicitor and followed pretty much exactly as was advised here to do ( I won’t make that mistake again as solicitor ended up costing me ) I won the case as they couldn’t produce all the documents that was required by them so the case was dismissed I wouldn’t of fought it if it wasn’t for the support of this group all the mods are great and I think it’s important to support the group as I have and will definitely be doing more also have to say Dx100uk give 100% and I’m grateful and his knowledge is amazing only one thing I would would say is I know mods can’t hold our hands the whole way which is so unfortunate when is our first time but trust me you can do it with there help is all here on the site Remember all the help we get here is free they rely on donations it’s amazing the support

Will update on that page now don’t want to confuse here so your saying That they don’t need to send for Scotland ? So they can just straight take legal action is that what you are meaning thanks again

And this letter I just received …. And mentions being a home owner says they have looked at my credit report Dear What legal action means Despite our attempts to contact you, you have not been in touch, or set a payment plan on your account(s). We have therefore reviewed the information on your credit file and believe that you're a homeowner and we are considering taking legal action. If we take legal action, this means: • We will instruct solicitors to take legal action on one, or more, of the accounts listed above. • A writ or summons dependent on the size of your balance would be issued by the Court demanding payment of the outstanding balance. • Fees, solicitor's costs, and interest would be added to what you owe. • If a Decree is granted, we may apply for an Inhibition on your house, which would prevent you from selling your property until you have paid, or apply for an attachment order on your wages, or request that a bailiff visits you at home. It's not too late to set up a payment plan It's important that you get in touch with us by 28/08/2023. You can still avoid legal action by setting up a payment plan on our app or website, or by speaking to our team Should I be sending a cca request or just wait ? thanks

Hi, looking for some advice please I have received quite a few letters from Lowell the amount is for £7000 and I’m based in Scotland (incase that makes a difference) the default date is only 12 months ago ago with original creditor this one I received on the 17/07/2023 that I ignored I will copy text here and then post the 2nd one that I just received recently just after this Thanks so much for your help again Dear You have not contacted us You have not responded to our recent attempts to contact you. Please get in touch with our team by 31/07/2023 to discuss your options for paying off what you owe. Please don't ignore this letter It's important that you do not ignore this letter. If you don't contact us, we'll review all the available information, including a review of your credit file, to understand if you're a homeowner and get an understanding of your financial situation. This will help us decide our next step, which could include legal action. Taking legal action would mean instructing solicitors to obtain a Decree to help us recover what you owe. This could mean fees and interest are added which would increase your outstanding balance. A Decree would be visible on your credit file for six years. We'd prefer to avoid legal action and work with you directly, so please call our team today on 0333 556 5700. If you'd prefer to manage your accounts without talking to our team, you can set up an affordable payment plan on our app or website.