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Found 3 results

  1. Afternoon Folks, I have today received a letter from Red DCS regarding an old HSBC account (£275.47 owing) and that they are 'Giving your account details to Hamptons Legal'. I changed banks from HSBC to Natwest back in February 2003/2004 after I went through a stupid period when I was 18/19. Having checked my credit file, this defaulted and passed to (The lowells mix of f00ls) in February 2005 so is SB. I have never responded to any letters from any DCA's. Am I correct in saying that all I need to send a SB letter or a CCA request?. Also is it worth sending a SAR to HSBC as I ha
  2. I have been having some trouble with a past debt from 3 mobile, I have looked through lots of threads to find out what to do, however most of the advice has gone over my head. The original debt was with 3 mobile 5/6 years ago for a cancelled contract and was sorted with Moorcroft (who I believe are 3's in-house comapny?) This was paid off however some time later I was contacted by red/lowell saying I owed a greater amount of money and they wanted paying. I refused to accept that owed anything, asked them to prove it (which they didn't) and proceeded to ignore the e
  3. Hi, after getting a couple of letters from Lowell I did a little digging and found I owed some money from years ago for a car insurance policy, less than £150. Not sure why it was not paid, its that long ago. I duly ignored all the letters from Lowells and settled the debt online with the original creditor. They promptly refunded the full amount and sent me a letter saying to deal with Lowell as they have bought the debt. I owe the original creditors the money and dont see that I should pay the full outstanding amount (or even close to it) when they "bought" my d
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