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jm2903

Link Financial Outsourcing and Lowells

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Hello,

I really hope you can help me. I am a single woman and have recently found myself in quite severe financial trouble. I have a debt of £2300 with Lowells (Black Horse Finance - 2007) and £2950 with Link Financial (Barclaycard - 2001). I had an arrange with both of them, paying £50 PCM. I am not currently in a position to pay this and I am scared of what will happen next. I don't understand how the law sees this situation. They phone quite regularly. I have read here that I don't have to answer their calls. Is that true? I don't know if I have PPI.

Thank you for reading this.

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Hello and welcome to CAG.

 

I'll move your thread to the debt collection forum, where the guys should be able to help you.

 

My best, HB


Illegitimi non carborundum

 

 

 

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Hello,

I really hope you can help me. I am a single woman and have recently found myself in quite severe financial trouble. I have a debt of £2300 with Lowells (Black Horse Finance - 2007) and £2950 with Link Financial (Barclaycard - 2001). I had an arrange with both of them, paying £50 PCM. I am not currently in a position to pay this and I am scared of what will happen next. I don't understand how the law sees this situation. They phone quite regularly. I have read here that I don't have to answer their calls. Is that true? I don't know if I have PPI.

Thank you for reading this.

Hi Welcome to CAG,

It is certainly unwise to speak to DCAs on the phone keep all contact in writting.

If you can pay anything write to each creditor and explain the situation.

For PPI you need to make a Subject Access Request under The Data Protection Act 1998 this will require the original creditors to produce all the data they hold on you statements etc.

There is a £10 statutory fee the creditor has 40 days to reply, the SAR should be addressed to the Data Controller at each creditors head office.

 

Have you ever asked for the agreements on the loan or card accounts, if not send a CCA request to the debt collection agencies chasing you at present, there is A £1 statutory fee the DCA has 12+2 working days to reply.

 

There are templates in the CAG Library for the SAR and the CCA Requests.


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Hi,

Yes, the two debts are mine. I have been paying £50 a month for a while. hould I just write to them and say that for the next month or two, I am going to be struggling?

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