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Howdy, I have a situation that I would really appreciate some input on. Recently Lowell contacted me for a debt I thought i had paid off in 2008. It was as credit card that I took out as a student. I had no previous contact from lowell until earlier this year. I received three letters demanding a sum of money and ignored them. I then received a pre court letter. When i contacted them they said the only way to prevent a cci was to set up a token payment plan in the meantime and they would provide me with proof of the debt. They told me to disregard the court letter. I agreed and set up the plan. The evidence i asked for didn't appear and i cancelled my direct debit before any payments were taken and then called them to ask whats going on and they said they were still waiting to hear back from the original debtor. A couple of weeks went by and then i received a letter from the court saying that a CCJ has been made. I have now received a letter from Lowell saying that they do not have any copies of original agreement etc and the debtor doesn't have them either. What can I do in this situation? I understand that once a ccj has been made there is not much one can do as even though its an unenforceable debt it has already been enforced but can they really demand the money without any evidence I still owe it? Any advice would be greatly appreciated.
Hi Folks Re: Debenhams I browsed the forums and can't see an answer. Apologies for the Newbie post, but any help would be greatly appreciated. I have all my old store card (Debenhams) statements, along with the original consumer credit agreement (signed 30.10.03). I understand that Santander took over the running of my store card from GE Capital Bank 7 years or so after I took the card. I paid-off the card and closed down the credit agreement in 2011. So my question is this: Do I send the completed form that I downloaded from the Ombudsman onto to GE Money UK Ltd (I can't find anything for GE Capital Bank Ltd) as it was with them that I signed the original agreement 12 years ago, or Santander UK plc as they're now running the store card scheme, or someone else? Thanks in anticipation Hartley