someone please give advice for large catalogue debts

[BRIGADIER2JCS]

Sorry Bazooka Boo it is a long read but I keep getting different opinions and not sure what to go with. So your saying that if I made lowlife a small monthly offer they would have to accept it? I put in my last letter to them that the account was in dispute with Shop Direct and shouldn't of been sold to them but they didn't mention that in their reply. Yes they own the debt I had a letter of consignment. I will await there next letter and send the account in dispute letter and you think I should do that with Shop Direct also?. Sorry Brigadier, it was a photo copy of a blank credit agreement on one corner of an A4 peice of paper and someone had written my name and address on it in ball point pen. No other info was on it. Thanks all.

STOP!!

Do not make any offer off the back of that alleged agreement it does not satisfy a CCA request as a proper copy or a reconstituted copy as far as I can tell from what you say.

 

 

Lowell are trying to as dx would say SPOOF you!

[vonny1]

Hi been over a year since I was last on here

 

. Received a few letters from Lowell asking for payment of the debt ,

 

in the last one they said they would except half the debt!

 

. I received a letter from them this morning stating that the debt had now been given to Fredrick International and they will be pursuing me for the debt.

Are Fredrick part of Lowell and do I need to write to them or just ignore???

 

Many thanks..

[unclebulgaria67]

Yes Fredrick is part of Lowells.

 

Sounds like they are not confident in gaining payment. Perhaps they can't get hold of documents or there is a problem making it easy for you defend.

[babydoll0141917]

Lowells brought 2 of my Cat debts over the last year...Asked them for CCA they didnt have them and wrote off £5000.. I would CCA Freds even tho they are part of Lowells

[vonny1]

No Lowell couldn't produce an original cca and the account was opened prior to 2007. The account was already in dispute with the catalogue so should never of been bought by Lowell in the first place. Should I put that in my cca request to fredrickson, that it's already in dispute and I have an offer from Lowell for half the amount? Many thanks.

[unclebulgaria67]

No Lowell couldn't produce an original cca and the account was opened prior to 2007. The account was already in dispute with the catalogue so should never of been bought by Lowell in the first place. Should I put that in my cca request to fredrickson, that it's already in dispute and I have an offer from Lowell for half the amount? Many thanks.

 

Not sure it is worth it. What if this time they find a copy of the original CCA ! They only have to supply a reconstituted version to comply with a CCA request.

 

Up to you really. Whether you want to spend £1 for the request plus postage and they provide a CCA which starts communications with them.

 

They pass it on to Freds because a debtor thinks things are being escalated and it moves it in to other accounts. I have my suspicions that DCA hold a lot of their accounts offshore to limit taxes paid.

[vonny1]

What do you mean ' it moves it into other account's?. So do you think telling me it's now with fredrickson is just a scare tactic and I should just ignore them? If Lowell haven't bothered taking me to court and offered reduced amount, is it unlikely fredrickson will go any further?, thanks.

[unclebulgaria67]

What do you mean ' it moves it into other account's?. So do you think telling me it's now with fredrickson is just a scare tactic and I should just ignore them? If Lowell haven't bothered taking me to court and offered reduced amount, is it unlikely fredrickson will go any further?, thanks.

 

Lowells group will have many different accounts set up to administer debts. They bought Freds awhile ago and they are no different to Lowell. In my opinion it is a signal they have lost confidence in being able to enforce the debt and perhap think it is worth trying the Freds side of the business. I.e a new name just in case some worry. But nothing different, no escalation.

[vonny1]

So what will freds be able to do any different from Lowell?. Should I send them the account in dispute letter? Many thanks

[unclebulgaria67]

So what will freds be able to do any different from Lowell?. Should I send them the account in dispute letter? Many thanks

 

No. Changing the name of the DCA obviously works, which is why yourself and others post to CAG worried after receiving letters.

 

Up to you whether you send letters. I would not bother to waste postage.

[vonny1]

Ok so in your opinion if Lowell haven't started court proceedings after over a year, freds won't bother either? Just want my mind put at rest, thanks so much.

[unclebulgaria67]

Ok so in your opinion if Lowell haven't started court proceedings after over a year, freds won't bother either? Just want my mind put at rest, thanks so much.

 

Very unlikely.

 

But you can never rule it out 100%. Always check post. DCA's do use debt chasing Solicitors to issue court claims on a bulk basis and you would not want a default CCJ because you had not opened an envelope from a court. We have seen people end up with CCJ's for statute barred debts because they were ignoring post. They then have to muck around with set asides.

[vonny1]

Ok, so as long as none of the letters are to do with court (aside from the obvious threats about it) just ignore!!! Thanks.

[citizenB]

Ok, so as long as none of the letters are to do with court (aside from the obvious threats about it) just ignore!!! Thanks.

 

It is I guess, ok to ignore by not responding unless it looks as though things are getting heavy.. it is not ok to ignore by not actually opening the mail !

[vonny1]

What would you say was heavy? Getting worried again now! thanks

[dx100uk]

Hi been over a year since I was last on here

 

. Received a few letters from Lowell asking for payment of the debt ,

 

in the last one they said they would except half the debt!

 

. I received a letter from them this morning stating that the debt had now been given to Fredrick International and they will be pursuing me for the debt.

Are Fredrick part of Lowell and do I need to write to them or just ignore???

 

Many thanks..

 

It's a discount letter

 

Totally ignore them

 

Been going since 2012

Don't panic Mr mannering

Willy waving

[renegadeimp]

Agree with dx. They know they can't do anything or they already would have. Ignore everything bar court papers