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Lowell Portfolio/JD Williams


debpayne
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Hello,

 

Last year I received a letter from Lowell saying I owed a debt to JD Williams and

I sent a "prove it letter" which they acknowledged and then I didn't hear anything for a couple of months.

 

Now I have received a letter saying the debt was sold to them on 20/12/12

which I am sure is a while after their original letter to me,

I have unfortunately put the original letter away safely and now can;t find it!

 

Nevertheless this letter saying they bought the debt from JD Williams on 20/12/12

also says that before selling the debt, JD Williams checked their records and can find no reason why it should remain unpaid

and they have also included a letter on JD Williams headed paper informing me that JD Williams sold my account to Lowell and advises me of the balance.

 

Is this letter from JD Williams enough proof?

 

I have also received a few emails from Lowell stating

 

" We are not aware of any reason why your debt should remain unpaid.

It is therefore very important that you contact us as soon as possible so that we can agree repayment.

If you cannot afford to pay back the money in one go we are willing to let you pay this monthly by direct debit.

 

You could be entitled to re-pay as little as £1 per day should your circumstances warrant it.

If you cannot afford £1 per day then please let us know what you can afford.

Please call an account manager today so that we can bring this matter to a close or follow this link and securely set up a direct debit."

 

Please could anyone advise whether I should pay this or take it further

as I am 99% sure I cleared this debt several years ago and have even opened a new account with JD Williams since.

 

Unfortunately as it was such a long time ago I cannot find any of those details.

 

I had a similar experience with Lowell a few years ago when they said they were chasing me for T Mobile debt

which I knew wasn't owed so I persevered and eventually they backed down as they could not provide me with any details/proof.

 

Many thanks for any help that anyone can give me

 

Thanks

Deb

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Hi,

 

Yes the JD letter is proof (notice of assignment).

 

OK Deb, logical steps and information.

 

Check your credit reference files for this debt.

My guess is that this is statute barred or nearly so and is probably charges.

 

Statute Barred = 6 clear years with no payment or written acknowledgment of the debt.

 

Do you know when you last paid anyone for this debt?

 

If you are even reasonably sure it's more than 6 years ago I'll draft a letter for you to get rid of them. IT will NOT restart the 6 year clock and does not acknowledge the debt.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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If it is a catalogue debt with a CCA, then send them a CCA request. The chances are that they won't be able to provide one. In the letter, advise them that you believe this account was settled with JD Williams as you are still a customer of theirs.

 

Lowells now appear to own this debt and therefore it is up to Lowells to check into this. Make sure you keep all correspondence from now on.

We could do with some help from you.

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Thank you both.

 

I cannot remember how long ago it was and yes it is a catalogue debt.

 

I can not be sure that it is 6 years ago.

 

Ill try to get on experian later on to check my credit account.

 

The first letter from Lowell just turned up out of the blue, I hadn't heard anything from JD for years.

 

I have 2 catalogues with the JD Williams group running at the moment and I've had these a couple of years.

If JD only sold the debt to Lowell in December last year I really don;t think JD would have allowed me to have a catalogue account with them again.

 

Is it worth me sending a CCA anyway or should I just swallow it,

pay up and kick myself for not keeping any payment details etc?

 

Thanks again

 

Deb

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moved ti the cat forum.

 

had loads of those letters

 

have you checked your CRA file to see if this shows

see below.

 

safe to say yo prob owe nowt!

 

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... 

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no do not pay them

 

they are NO BAILIFFS

 

and have no such legal powers.

 

have you ever been hit with £12 fees?

 

most cat debts are full of them & 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... 

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