Lowells who have just taken over my Barclaycard debt

[JeffersonMangum]

I am about to hit Lowell with a CCA letter (taken from CAG library). Does this count as an acknowledgement of the debt? Will it reset the 6 year SB clock to the date of submission?

[unclebulgaria67]

I am about to hit Lowell with a CCA letter (taken from CAG library). Does this count as an acknowledgement of the debt? Will it reset the 6 year SB clock to the date of submission?

 

No.

[robcag]

I am about to hit Lowell with a CCA letter (taken from CAG library). Does this count as an acknowledgement of the debt? Will it reset the 6 year SB clock to the date of submission?

 

 

It won't provided you don't do anything silly by adding anything to the letter, e.g. "I refer to the debt which I owe you".

 

I'm sure you're not going to do anything like that!

 

Rob

[Bazooka Boo]

What is the CCA request for?

 

Tell us the story.

 

What, how much, how old etc.

[JeffersonMangum]

The CCA is for Lowells who have just taken over my Barclaycard debt. To be honest I owe a number of people and the first stage is to try and assess which debts are enforceable. I had been paying them all through a DMP with MyVesta/Synergence but that stopped in Feb 2012, without me realizing.

[Bazooka Boo]

Have you been making these payments since Feb to synergie??

 

How old is the sharklaycard debt?

 

How much?

 

Did they send you a default notice, did lowlifes send you a notice of assignment, and sharklay card inform you they were passing it to these clowns to try and collect?

[JeffersonMangum]

I have checked my correspondence and Lowell's did write to tell me that they were taking over the debt, but there was no letter from sharklay card.

 

The amount quoted by Lowell's differs from my credit file. Also, the account number quoted by them differs from my credit file. I'm very confused!! How can I check that the amounts they quote are accurate?

 

I sent a CCA request to Lowell's 3 weeks ago. They responded on 7/11/12 to say they have requested it, but since then I have heard nothing. What should I do next?

[JeffersonMangum]

Sorry, in answer to your other questions, the debt was from 2006ish - (My Noddle credit file doesn't go back that far) and the amount is shown as over 4,000. I had been paying them via a DMP until earlier this year.

[Bazooka Boo]

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale.

 

Send Lowlifes that, 2nd class and obtain proof of posting from the PO counter.

[griffin036]

"Will it reset the 6 year SB clock to the date of submission?"

To be honest, if you have been paying them since Feb this year, its not going to make much difference is it?

[debbbbsy]

If you were making payments via a DMP, you would have to establish if payments were passed to barclaycard before plaing the statute barred card.

[JeffersonMangum]

Thanks for the letter BazookaBoo - how should I word the paragraph regarding 'now entered default' as the account was already in default? Thanks for your comment Griffin036 - fair point, but it's almost 10 months since my last payment, which is a fair chunk of time elapsed and I have other accounts where the question becomes even more apposite.

[Bazooka Boo]

Then this one might be better if it was already disputed.

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

[JeffersonMangum]

I was already to fire off the letter to Lowell's, but they sent me one saying that 'afraid not yet received CCA from original lender ... we will not contact you again until we receive it'!! I was fairly impressed. Is it now just a waiting game?

[westfield]

Hi. If i were you i would do nothing until the comply. Do not remind them just sit tight. If the either hassle you or sell the debt on just hit them with an account in dispute letter. When and if they do comply check to see if it is enforceable. That will only matter if it is pre April 2007. Hope that helps.

[Bazooka Boo]

You can send them the letter I linked in post #9