Letter from Red saying that they now have a copy of my credit file.

[foxyred]

Hi all

 

I have received a letter from Red saying that they now have a copy of my credit file and are assessing the best way to recover the money I owe to Lowell. Can they get a copy of my credit file without my authority?

[unclebulgaria67]

Hi all

 

I have received a letter from Red saying that they now have a copy of my credit file and are assessing the best way to recover the money I owe to Lowell. Can they get a copy of my credit file without my authority?

 

Of course they can. Their letter does mean anything. If Lowell are dealing with a debt in your name, then that is sufficient for them to access your credit record.

 

Your reaction to their letters is the one they are hoping for. Ignore them, unless they send you a letter before action saying that they will be taking court action or you receive a court claim.

[maroondevo52]

Hi, foxyred.

 

I have moved your post to start a new thread for you, please continue to post here regarding this issue.

 

Thanks.

 

Scott.

[ronnie6]

Did the letter say "we know where you live " ?

ooh. I'm frightened..

[foxyred]

Hi all

 

Thanks for your advice and for moving the thread.

 

The letter does offer for me to pay 70% of the balance as full payment. I can't keep up with this as they keep changing the DCAs and confusing the situation.

[ronnie6]

The letter does offer for me to pay 70% of the balance as full payment. I can't keep up with this as they keep changing the DCAs and confusing the situation.

@foxyred, that's what they want.

don't let the bast*rds grind you down

If they offer 70% tell them 10%.

If they change dca's deny any knowledge of the debt unless they notify you of the change in writing.

[twofoot]

Wonder if that file copy is worth anything. Do you think they might pay you for the use of it. LOL

[ronnie6]

I have received a letter from Red saying that they now have a copy of my credit file and are assessing the best way to recover the money I owe to Lowell.

Oh dear, looks serious, until you realise that Lowells and Red are the same company.

next is Hamptons?

[jobmid]

Hi all

 

Thanks for your advice and for moving the thread.

 

The letter does offer for me to pay 70% of the balance as full payment. I can't keep up with this as they keep changing the DCAs and confusing the situation.

 

If they are offering a discount means one of the follwing thing

 

The debt could be statue barried

the debt could have no paper work to back it up

there could be PPI on it

 

dont pay them just yet until they proove to you that you lawfully owe this.

 

How old is the debt? Whats it for and when did you last make payment

 

Have you checked your credit file?

 

Remember knowledge is power the more you know the less they can do you for

[BRIGADIER2JCS]

You gave permission when you signed the original agreement

for your data to be shared and reported on CRAs Lowell having

bought a debt no have the right to search your files.

[foxyred]

Oops, sorry didn't check back on this one. Thanks guys for your assistance. I'm just about to start a new thread so going to need your help on that one!