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chipaway1

Lowells and NDR issues

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Hi,

I've 2 debts that are currently with lowells and National Debt Recovery(littlewoods).

I had set up agreements with them for both of these and was paying them until i lost my job in Jan.Since then I've knocked the payments down to £1 per month.But they are both up for review now and i know they're gonna start pressuring me for more.

I never reaslised at the time to ask for a CCA request but can I stop the payments completely and now issue the requests or not?

The lowells debt has been passed around so much and personally I was suprised to see it again as it's from 5 years ago.

Both debts are STILL double the amount they originally were due to 'charges'.

thanks.

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First and foremost, DON'T ring them. That's a sure way to harrass you into offering more.

 

If you are happy to continue paying them £1 a month, then carry on doing so.

 

I would ask for your agreement letter 8 here:

 

The Consumer Forums - Debt collectors

 

Don't sign anything, just print your name

Send with a £1 postal order, not a cheque

send recorded delivery and track it's delivery

 

They have 12+2 WORKING days to respond. After that time has expired, you are well within your rights to stop paying until they comply with a valid agreement.

 

fox


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks.i'll keep you updated as this unfolds. this forum is SO helpful.Thank you again.

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I've recieved a letter from each of these companies today and both very different.

I've NOT sent CCS requests to these companies yet.

firstly NDR just want to raise payments with immdeiate effect.so I'm going to request a CCA from them.

Secondly lowells have checked their records and can now offer a full and final settlement at half the amount i 'apparently' owe them.Bearing in mind that I've paid the original debt of this over the years at least twice over and the outstanding amount is all charges.

So I'm thinking about asking them for a CCA as well and then i'll go into talks with them.

One last thing..

so much debt!!

I''ve CCA's capital one and they've ignored my request completely and want paying or else they're threatening bailiffs.Shall i ignore the letter and just reply with a second CCA?

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I''ve CCA's capital one and they've ignored my request completely and want paying or else they're threatening bailiffs.Shall i ignore the letter and just reply with a second CCA?

 

If you CCA'd them and they have gone past the 12 days, then your only response to them should be that they have failed to respond to your CCA request cancel all of your future payments to them, and refuse to correspond with them until such time as they do produce a valid and legally enforceabel cca, whatever they send you , scan and post it on here, but make sure you remove all Identifying names/adresse/numbers/ref.numbers etc.

 

If after not supplying you with the proper CCA then ask them for their formal complaints procedure, and report them to the OFT, ICO, Consumer Direct, FOS

 

 

Boo;)


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If these are all charges, start to reclaim them.

 

Don't pay a penny more.

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P.S.

 

Tell Cr@p one that you are very well aware of your rights, and that no bailiff will ever turn up without you first going to court, them obtaining a CCJ against you, you then defaulting on that CCJ, then them taking you back to court and obtaining a warrant of execution, then and only then, is it ever possible for them to send a "certified" bailiff to your house!

 

And unless 'you' allow them entry, they can take the square route of FA!:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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P.S.

 

Tell Cr@p one that you are very well aware of your rights, and that no bailiff will ever turn up without you first going to court, them obtaining a CCJ against you, you then defaulting on that CCJ, then them taking you back to court and obtaining a warrant of execution, then and only then, is it ever possible for them to send a "certified" bailiff to your house!

 

And unless 'you' allow them entry, they can take the square route of FA!:D

thank you for putting my mind at rest!

Shall I ignore their letter and request the CCA again then?

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SAM:pLOWELL DETESTER.

 

SO PROUD OF MY AVATAR,THAT TOOK ME WEEKS TO WORK OUT HOW TO GET ONE.:lol:

 

PLZ CLICK MY SCALES IF YOU LIKE WHAT I SAY.

OR IF I HAVE HELPED IN ANY WAY.:smile:

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