RED Collection Services - Help!

[ffflimuk]

Today i have received a letter from Red Debt Collection Services They are requesting a debt to be paid on behalf of there client "Lowell"

 

However i know the debt belongs to JD Williams "Originally"

 

The letter goes on to say, "You debt remains unpaid" they are now wanting to take further action on this account.

 

They go on to say what happens next and they state they have a copy of my credit file and are in process of obtaining my employment details (no chance as i'm unemployed)

 

They then go on to say that you can avoid this by setting up a payment of 0.50p a day, £15 quid a month by completing a direct debit at lowells website.

 

What advice can you give me so i can tackle this debt?

 

Few things i know :

 

The debt does have some charges (not sure how many)

The debt is over 2 years old

 

I'm trying to clear eveything now and would like some advice on what i can do to tackle this debt?

 

Should i respond to this letter? what should i respond with?

 

Appreciate the help!

[dx100uk]

if JDW sold it

 

theres something wrong

 

i'd sar JDW and get all the info

 

dx

[ffflimuk]

if JDW sold it

 

theres something wrong

 

i'd sar JDW and get all the info

 

dx

 

Okay, Will get more information on a SAR and get that sent out.

 

Do i need to reply back to this letter? or just ignore?

[dx100uk]

not really dca's are not bailiffs

and have no such legal powers

[citizenB]

Red are part of Lowell - the whole group have a pretty poor reputation where caggers are concerned.

 

Charges - you will need to obtain copies of statements from the original creditor by way of a Subject Access Request which will cost you £10.00. Once you have the statements, you will need to complete a spread sheet which we can provide for you. Then you would need to write to the Original creditor enclosing your spread sheet and demand for the refund of the charges.

 

You say the "debt is over 2 years old" when did you enter into the agreement originally - if only 2 years then almost certainly there will be an agreement in existence somewhere.

 

If you have other debts, it might be worth your considering a Debt Management plan with either Step Change or PayPlan. You can of course administer your own DMP with the help of CAG.

 

But you will need to let us know all your debts.

[ffflimuk]

not really dca's are not bailiffs

and have no such legal powers

 

Right, no problem.

 

Red are part of Lowell - the whole group have a pretty poor reputation where caggers are concerned.

 

Charges - you will need to obtain copies of statements from the original creditor by way of a Subject Access Request which will cost you £10.00. Once you have the statements, you will need to complete a spread sheet which we can provide for you. Then you would need to write to the Original creditor enclosing your spread sheet and demand for the refund of the charges.

 

You say the "debt is over 2 years old" when did you enter into the agreement originally - if only 2 years then almost certainly there will be an agreement in existence somewhere.

 

If you have other debts, it might be worth your considering a Debt Management plan with either Step Change or PayPlan. You can of course administer your own DMP with the help of CAG.

 

But you will need to let us know all your debts.

 

I don't have the information on hand to how old the account is, but Yes, there is most certainly an agreement, which was made by applying online.

 

Will be sending off the SAR in the next couple of days. to get all the information i need.

 

I think this account is made up of all 80% charges, mainly penalty fees.

 

If so, once i get the information back from JDW and 80% are all fees, would paying the 20% that aren't fees and then tackling the charges be the best option? therefore on the account would be all charges of £12's?

 

is that a way of clearing the debt faster?

 

To be honest i think all my debts are made up of charges, thus why i'm tackling them one by one.

 

I have a vanquis card thats littered with late payment fees and that account is 3 years old, those charges would clear the account 7 times over i think. i just can't seem to get the vanquis debt down because of there high interest rates. Anyhow, that's another debt i will tackle a little later.

[renegadeimp]

You dont pay ANYTHING. WHen you claim back the fee's, you also calculate the interest rate they were charging you. You'll probably find out they owe YOU money, which is why it has been sold. They know the debt is unenforceable, but are hoping you pay up before you notice it.

[ffflimuk]

You dont pay ANYTHING. WHen you claim back the fee's, you also calculate the interest rate they were charging you. You'll probably find out they owe YOU money, which is why it has been sold. They know the debt is unenforceable, but are hoping you pay up before you notice it.

 

Right, thank you. Going to get on to that right now then!

[ffflimuk]

Anyone know where i can find the right JDW address to send the SAR to.

 

Is it :

 

J D Williams & Company Limited

Registered office: Griffin House, 40 Lever Street, Manchester, M60 6ES. Registered in England.

 

This is there registered office address, would it be fine to send it there?

[dx100uk]

have aread of a few threads in this forum

 

you'll soon get the idea

 

dx

[dx100uk]

yes on the ad

 

dx

[ffflimuk]

yes on the ad

 

dx

 

Great, Thank you.