BCW collecting debt for lowlife - old barclaycard - help

[BRIGADIER2JCS]

Please answer dads questions

then we can help.

[BRIGADIER2JCS]

As I said earlier Lowell Portfolio and Portfolio 1,purchase

debts. Lowell and RED collect for LP & LP 1 on

some accounts others they use outside agencies

to collect, sometimes this is done on a geographical

scenario and mostly on the value of and the reasoned

chance of actually returning a profit on the debts purchased.

[indebtedone]

As I said earlier Lowell Portfolio and Portfolio 1,purchase

debts. Lowell and RED collect for LP & LP 1 on

some accounts others they use outside agencies

to collect, sometimes this is done on a geographical

scenario and mostly on the value of and the reasoned

chance of actually returning a profit on the debts purchased.

 

No what you mean is they sell it amongst each others for penny's in the pound and the left arm does not know what the right arm is doing amongst each other.

[123gas]

123gas to help we need a bit more info - so the best advice can be given.

 

Who was the original debt with?

Was there any PPI on the agreement?

Have you claimed back any charges?

 

the original debt was with barclay card

 

what is ppi

 

and no i havnt claimed back any charges

Edited October 11, 2011 by 123gas
help

[dadofholly]

Do you have a copy of the original agreement - or are you aware if there was ever any Payment Protection Insurance?

 

Have you ever claimed back any charges added to the account?

[dadofholly]

Did Lowells ever send you a notice of assignment to notify you that they had purchased the debt?

[BRIGADIER2JCS]

Ok, perhaps you need now to

do a subject access request to

BC to get all the information o charges

PPI that are on the account before

going further.

The SAR has a statutory fee of £10

and the creditor MUST produce all

the data they hold on you and the account.

the time schedule is 40 days to reply,

please use the template in the CAG library.

[dadofholly]

Would agree with Brig concerning the SAR.

 

We need to get site of documents so we know where we can take it from here.

 

Also ask them to confirm who they sold the agreement to and when.

[123gas]

Did Lowells ever send you a notice of assignment to notify you that they had purchased the debt?

 

the first tim had contact was in 2009 from bcw who now say they were acting on behalf of lowell so no

[rhos123]

No what you mean is they sell it amongst each others for penny's in the pound and the left arm does not know what the right arm is doing amongst each other.

 

you are most indeed correct, never ever pay any sc@m dca !!!

[dadofholly]

the first tim had contact was in 2009 from bcw who now say they were acting on behalf of lowell so no

 

Ok - then send the SAR to Barclaycard as suggested by Brig.

 

Also ask BC to confirm to who, and when they sold the agreement.

[BRIGADIER2JCS]

No what you mean is they sell it amongst each others for penny's in the pound and the left arm does not know what the right arm is doing amongst each other.

No What I Know is how the industry works debts

are bought and sold with little or no detail or

history, if one debt purchaser/DCA fai;ls to

collect or is challenge on enforcability

will sell on again even if the debt is statute

barred, one has to have comprehensive knowledge

to be able to negotiate, manipulate the

complexity.

Have a long read through threads such as

those concerning Barclaycard and HFO.

[BRIGADIER2JCS]

No what you mean is they sell it amongst each others for penny's in the pound and the left arm does not know what the right arm is doing amongst each other.

No What I Know is how the industry works debts

are bought and sold with little or no detail or

history, if one debt purchaser/DCA fai;ls to

collect or is challenge on enforcability

will sell on again even if the debt is statute

barred, one has to have comprehensive knowledge

to be able to negotiate, manipulate the

complexity.

Have a long read through threads such as

those concerning Barclaycard and HFO.

[BRIGADIER2JCS]

Ok - then send the SAR to Barclaycard as suggested by Brig.

 

Also ask BC to confirm to who, and when they sold the agreement.

Agreed.

[123gas]

the thing is i joined up with equifax yesterday and it doesnt even mension the debt in anyway??

[BRIGADIER2JCS]

Interesting get a report from Experian as well

for confirmation of 6 years since default,

have you any recollection of the last payment

or written acknowledgement made on this account??

[dadofholly]

the thing is i joined up with equifax yesterday and it doesnt even mension the debt in anyway??

 

Even more reason to get that Subject Access request off to BC as soon as possible.

 

Check with Experian as not all companies report to all of the Credit Reference Agencies.

[123gas]

i joined experian for a free trial years ago it did show up but it was marked satisfied

[rhos123]

No What I Know is how the industry works debts

are bought and sold with little or no detail or

history, if one debt purchaser/DCA fai;ls to

collect or is challenge on enforcability

will sell on again even if the debt is statute

barred, one has to have comprehensive knowledge

to be able to negotiate, manipulate the

complexity.

Have a long read through threads such as

those concerning Barclaycard and HFO.

 

the whole dca collection industry is rotten to the core, i often wonder why the o/c sells these debts for peanuts, ?

[dadofholly]

the whole dca collection industry is rotten to the core, i often wonder why the o/c sells these debts for peanuts, ?

 

Because they will also claim the loss as a Tax liability.

[dadofholly]

i joined experian for a free trial years ago it did show up but it was marked satisfied

 

Then get the SAR off to BC.

[BRIGADIER2JCS]

i joined experian for a free trial years ago it did show up but it was marked satisfied

That is when the debt was sold so the original creditor

has been paid whatever and the new owner then

goes on to attempt to collect the whole amount.

Check now for new owner.

[PriorityOne]

Hold on please....

 

Before you do anything.... how old is this account with Barclaycard; when did you take it out approximately?

[123gas]

so who do i send the sar to barclay card or lowell or bcw who collects the money

[BRIGADIER2JCS]

Barclaycard.