Jump to content


Hamptons/Lowells threat - old barclaycard debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3194 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

Lowells are chasing for an old barclaycard debt.

 

Sent a CCA request back in 2008 and stopped making payments as they only provided a copy of the application form.

 

Been ignoring all the standard letters that Lowells were sending after apparently purchasing the debt from Barclays.

 

Having recently received a legal threat from Hamptons

i thought it wise to send a letter highlighting account is in dispute.

 

Would you guys recommend I send this to them

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency or send a new CCA request to Lowells/hamptons?

 

Appreciate any advice given.

 

Thanks.

Link to post
Share on other sites

what does your cra file say?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
Hi,

 

Lowells are chasing for an old barclaycard debt.

 

Sent a CCA request back in 2008 and stopped making payments as they only provided a copy of the application form.

 

Been ignoring all the standard letters that Lowells were sending after apparently purchasing the debt from Barclays.

 

Having recently received a legal threat from Hamptons

i thought it wise to send a letter highlighting account is in dispute.

 

Would you guys recommend I send this to them

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency or send a new CCA request to Lowells/hamptons?

 

Appreciate any advice given.

 

Thanks.

 

Well technically they have complied with your request so I wouldn't be sending that letter.

 

Jogs

Link to post
Share on other sites
They sent an application form rather than a credit agreement, is that all they need to send?

 

Yes is the simple answer.

 

Now should they want to take you to court and the agreement was signed before April 2007, they would need the original CCA with all prescribed terms.

 

I used to have a great letter for this but lost them all in the great pc crash of 2010 :(

Link to post
Share on other sites

Cheers Havinstella, I keep learning things and this is what makes this site great.

Hopefully someone can advise of the best way forward. If they had all the paperwork wouldn't they have gone down the court route already? It's been over 3 years.

Link to post
Share on other sites
Cheers Havinstella, I keep learning things and this is what makes this site great.

Hopefully someone can advise of the best way forward. If they had all the paperwork wouldn't they have gone down the court route already? It's been over 3 years.

 

Exactly :)

Link to post
Share on other sites

thats all you'll get out of BC

 

lowlife have brought the debt

so now show as the owner/defaulter

 

how much is the bal?

 

and have you ever SAR'ed the OC?

 

re charges reclaiming/PPI

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • 2 weeks later...

Hi Dx, the balance was for £ 437. I've never SAR'ed the OC and suspect that there might be charges but didn't want to acknowledge debt whilst in (what I thought to be) dispute. Pretty sure there was no PPI on account.

Link to post
Share on other sites

sar does not ack a debt!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

always the oc

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Right I'll get on that, thanks. When sending letter would it be wise to add previous addresses to assist them and should I include account number etc? Not sure whether a SAR request is literally everything a company has on you or whether it's everything they have on you relating to a specific debt.

Link to post
Share on other sites

hold on the black sar in this or post 12

 

give them as much info as you can

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...