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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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UK CC Debt being chased by Lewis group in Spain


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I owe £9700 to the Cooperative bank credit card

(which I originally took out in around 1995 when i was living in the UK although I now live in Spain).

 

A couple of years ago I lost my job.

I carried on paying the debt back at the minimum payments as long as I could

but eventually could not pay any longer (about £150 per month).

 

Initially the co-op said as I did not have any extra income,

I did not have to pay for 6 months and they would freeze the interest.

 

However, after the time was up they sent me a letter

(which I did not get in time due to the vagaries of the Spanish postal system)

saying I had to respond in 7 days otherwise they would pass my debt over to a collection agency.

 

I replied to the letter the day I received saying I could still not pay

or over anything in final settlement as I am currently unemployed

and receiving no benefits and my husband (he is Spanish) salary is below the poverty line and we have 2 children.

 

We have a house with a mortgage in Spain.

 

I have no assets in the Uk.

 

I do owe around 2k to Barclaycard which I have continued to pay throughout this time as well

as an account with the Next Directory whcih I have now paid off.

 

I received a letter back informing me that they had passed the debt to the Lewis Group

and today have received a letter to my home from Lewis grp saying that they have been instructed

by their client to recover the debt.

 

That it is imperative for me to pay the amount in full immediately

and that it is in my interest to ensure this matter is dealt with as quickly as possible.

 

What should I do now please?

 

I cannot repay the money.

 

The amount I could afford to pay monthly would only be around £20

 

and that would be a push. What do you recommend please.

 

FYI I have lved in Spain continuously for 15 years

 

and co-op bank were aware I was living in Spain

and have sent my statements and correspondence here for many years

although when I initially defaulted they did try

and call my parents home in the UK severak times

(an address where I have never lived incidentally but which

I have sometimes used for mailing purposes).

 

Any help anyone can give would be greatly appreciated.

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forget them they can do nothing to you.

 

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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i'd say the same for all your uk debts too!

 

not that i'd condon debt avoidance....

 

a dca are NOT BAILIFFS

they have NO LEGAL POWERS in the UK

 

and even less across the water.

I admire you for paying your dues....but

 

esp another credit card and a cat debt

both of which are prob inflated with unlawful £12 fees anyhow..

 

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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Share on other sites

well ithink yo'll get that anyway whatever you do.

 

if they know and have been conversing with you at your overseas address

 

then no they shouldn't

 

p'haps send them proof that you've not been in the UK for XXXyrs

and never intend to return

 

please remove XXX details from any files you hold?

 

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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Share on other sites

Theyvcannot harass your parents as they have nothing to do with it. If they make the mistake of doing so then you can take legal action against them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

They hve now sent another letter saying pay up or call us to arraneg a payment schedule or we may return the account to our client who may then sell the debt to another agency. What the hell does that mean?

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It means they know they cant do anything so are running off while stamping their feet.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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yep willy waving

 

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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Share on other sites

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