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Argos Card debt - from lowell to scotcall


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Hi Everyone, I had a letter from Lowell ages ago, regarding a debt owed to Argos. I have since been on Noddle and seen that there is a debt on there saying owed to Lowell. Lowell have written again stating they act for Argos offering ways to pay their client. Am puzzled why its showing on Noddle as a debt owed to Lowell?

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Lowells probably have bought total rights to collect on the debt and therefore it is dubious whether they can add their details if they don't actually technically own the debt.

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The debt has most probably been assigned to Lowell to collect with all the rights of the original agreement but not actually sold to them, in this situation Lowell should show as the ''entity'' entitled to pusue the debt right through to litigation as necessary.

 

I suggest a CCA request to Lowell as the first move.

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its from 2008 according to the noddle report

 

OK let's see what Lowell come up with.

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Lowell is a debt buyer. They will probably own it. Have you had any correspondence from Lowell (or the original creditor) such as a notice of assignment or a default notice (the latter would be from 2008-ish, I guess)? It would help if we could see the wording of the letters they have sent – it would help to clarify the situation.

 

The issue of who reports the account to the CRAs is a bit of a red herring. Whether the account’s assignment is absolute (sold) or equitable (assigned for collection, usually) the likelihood is that Lowell will have the right to report its status. What is showing as the default date on the CRA file? Any other history?

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  • 1 month later...

Am guessing this is a charge put on by Lowell? OC Argos, default on Noddle says £180 but then its got Lowell and amount o/s £204. Lowell bought the debt. This isn't the same debt as the other post I have re Lowell and direct debit. This relates to an Argos account card.

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well it shows on noddle....name Lowell for the amount of £204. so I clicked on to look and then it opens showing OC Argos, default amount £180.

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The odd £24 is either charges or it's the remaining balance of the account.

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yes I have dug out the original paperwork, and this is the amount due, so the £24 is charges. There is another one similar, showing default as the amount which was outstanding at the time, but then on the total amount its over £100 more, that's another JDW they seem to add lots of charges on their accounts. Lowell have that one too. No wonder people think they have to pay all these charges when they are put on there like that. Some of the letters I have are offering discounts so that's put my alert flag up after being educated here LOL.

 

Thanks again...I will observe and learn.

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It's confusing I know DN is issued to give a debtor an ''opportunity'' to remedy the default which is usually arrears, so it will be different from the full balance owing if the account is terminated.

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  • 3 weeks later...

Lowell have 2 or 3 different debts for me,

one that was originally an argos store card,

I ordered something online and had the opportunity to apply for the store card/credit, which I did.

 

Am assuming at some point argos sold the debt to Lowell and they are showing on noddle as the amount being owed to them.

 

So far I have not replied to Lowell about this ex argos debt,

and today I got a letter from Lowell telling me that as I have failed to pay my account

it will be sent to scotcall who are one of their approved debt collection agencies,

and they will be instructed to pursue me for this debt and seek to recover the full balance.

This will be from the 12/4/2013.

 

However prior to this date I can still contact Lowell and make arrangements to pay monthly at an amount I can realistically afford, or paying in full.

 

They give details of scotcall, and address in Glasgow and telephone number.

 

Are scotcall the door step collectors?

 

will I get a letter from them then a visit?

 

or are they just going to turn up at the door?

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how old is the debt? was there any PPI or charges on card? Scotcall will probably write to you, but they have no right to visit you at all there is a letter in the library stopping any visit. Did Lowells offer you a discount? Stay off the phone to these people only communicate via mail. If you also print off a copy of the doorstep visit in case they turn up, you dont have to talk to them just hand the letter and shut the door. If they, after you have given them the letter remain outside or continue to knock call the police.

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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the debt is from june 2009 for £204. it was for something bought from argos online. not sure how long Lowell have had it, they have written and I have ignored, was caught out once on the phone by them but nothing in writing from me to them, and I now don't speak to any dca at all. yes I will copy off a visit letter in case they turn up, good idea.

 

am guessing they are just passing it round now? after nearly 4 yrs.

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Scotcall are doorsteppers, there must be some ''doubt'' about the viability of the paperwork here imo,

may be worth a quid to CCA Snotcall.

  • Confused 1

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Thankyou Brigadier....if they write I will do the cca for a quid and see what happens, if they turn up they will be sent away with the visit letter.

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Thankyou Brigadier....if they write I will do the cca for a quid and see what happens, if they turn up they will be sent away with the visit letter.

 

OK toe of boot would be more satisfying!!:jaw:

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

Well I had a lovely email today from scotcall.....usual stuff and letting me know that if I don't pay now or set up a payment plan they will have no alternative but to send a door step collector to my home to discuss this debt and payment.....pfttttt

 

I replied by email with the door step letter....and am now going to send cca request by recorded delivery and write on the postal order the required info. Same as I did with Lowell.

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