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lowell...burton store card debt


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So these guys have been after me for a while, I've ignored them but

 

todays letter I'm not sure what to do.

 

I took out the card when I was at uni (03-06) ,

 

I did pay it off each month but then began making min payments and then stopped

(I have a lot of debt, all in my name that an ex ran up store cards credit cards ect) so letter I got has me worried....

 

We wrote to you recently offering you opportunity to enter into a payment plan which you could pay monthly.

Unfortunately you haven't taken us up on our offer and your account still remains unpaid.

 

There is already a county court judgment registered against you for this debt obtained on 21/09/2007.

If you persist in not paying this account we will obtain a copy of your credit file from a credit reference agency.

 

This will help us decide what action to take next as it will inform us of your current financial situation

as well as highlighting if you are a homeowner or mot.

 

After we have assessed your situation we will send your account to Hamptons legal,

our litigation team, who will act upon our recommendation,

which could be to ask the £court (yes the pound sign was on letter like that)

 

to enforce the ccj by:

An attachment of earnings

A warrent of execution

A charging order being registered against your property.

 

Followed by the usual to avoid this etc

Yours sincerely

Andrew bartle

Chief op officer

Company ref 4558936 customer credit licence 528607

 

Now few things,

I know where letters come from so most just go into bin,

but another debt has gone to Hamptons,

 

as I've had texts and calls from them as well as lowell (reading online seem they seem to be same company)

most of the numbers are blocked so I get voicemails from them.

 

I did once answer a call ( this was from mkrr about welcome finance debt again a loan for an ex in my name I was stupid I am aware of this!)

and said I have an Iva arranged they asked me to send all the details to them,

I never did as I never went ahead with Iva as payments were too much.

 

I have no idea if I have a ccj about this debt, o never had a letter about it at the time.

 

I have also moved a while ago never game them an address,

but I was recently made redundant so signed on,

the letters have been coming here since that,

is that how they found me? I

am not a home owner I rent.

 

The balance is £525.19 the limit was £250, bloody interest.

 

Most of the debts I have are around the same period maybe up till 07.

The calls have eased off sometimes it was 5 or 6 a day,

now its every few days sometimes I only know they called as there is aessage as it goes straight to voicemail because numbers are blocked.

 

 

What can they do if anything?

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nothing if they do not OWN the debt

and

get THEIR name substituated on the CCJ by a judge

 

that NEVER happens

 

just check your CRA file that they are NOT the owner of the debt.

 

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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So these guys have been after me for a while, I've ignored them but

 

todays letter I'm not sure what to do.

 

I took out the card when I was at uni (03-06) ,

 

I did pay it off each month but then began making min payments and then stopped

(I have a lot of debt, all in my name that an ex ran up store cards credit cards ect) so letter I got has me worried....

 

We wrote to you recently offering you opportunity to enter into a payment plan which you could pay monthly.

Unfortunately you haven't taken us up on our offer and your account still remains unpaid.

 

There is already a county court judgment registered against you for this debt obtained on 21/09/2007.

If you persist in not paying this account we will obtain a copy of your credit file from a credit reference agency.

 

This will help us decide what action to take next as it will inform us of your current financial situation

as well as highlighting if you are a homeowner or mot.

 

After we have assessed your situation we will send your account to Hamptons legal,

our litigation team, who will act upon our recommendation,

which could be to ask the £court (yes the pound sign was on letter like that)

 

to enforce the ccj by:

An attachment of earnings

A warrent of execution

A charging order being registered against your property.

 

Followed by the usual to avoid this etc

Yours sincerely

Andrew bartle

Chief op officer

Company ref 4558936 customer credit licence 528607

 

Now few things,

I know where letters come from so most just go into bin,

but another debt has gone to Hamptons,

 

as I've had texts and calls from them as well as lowell (reading online seem they seem to be same company)

most of the numbers are blocked so I get voicemails from them.

 

I did once answer a call ( this was from mkrr about welcome finance debt again a loan for an ex in my name I was stupid I am aware of this!)

and said I have an Iva arranged they asked me to send all the details to them,

I never did as I never went ahead with Iva as payments were too much.

 

I have no idea if I have a ccj about this debt, o never had a letter about it at the time.

 

I have also moved a while ago never game them an address,

but I was recently made redundant so signed on,

the letters have been coming here since that,

is that how they found me? I

am not a home owner I rent.

 

The balance is £525.19 the limit was £250, bloody interest.

 

Most of the debts I have are around the same period maybe up till 07.

The calls have eased off sometimes it was 5 or 6 a day,

now its every few days sometimes I only know they called as there is aessage as it goes straight to voicemail because numbers are blocked.

 

 

What can they do if anything?

 

 

You can check for yourself if there is indeed a CCJ in your name. Trust online records all the CCJs awarded for up to 6 years,

 

http://www.trustonline.org.uk/ I think it costs somewhere between £2-£4 .

 

I suggest you find out for sure unless you are aware that a claim had been issued against you. It has not been unknown for DCAs to mislead in this respect.

 

Lowells - Red DCA and Hamptons are all the same company.

 

If there is a CCJ then Lowells would have to apply to the court to have their name substituted as claimant and then make a case to court why they have waited so long to pursue you for the debt.

 

For such a small debt they might not consider it worth it. On the other hand, Lowells is a pretty vindictive company and might pursue just because they can !!

 

Do you know if there are any default/penalty charges added to this account? If so then they can be reclaimed (along with the interest on those charges). If a significant amount, then it could wipe the debt anyway.

 

If this were me, I would first check trust online - if there is a CCJ, then you need to obtain the claim number and court in order to establish what the Judgment Order said.

 

Once you have that information you can make an informed choice of what steps you want to take next.

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