lowell chasing barclaycard debt - Now Freds and Carter

[matty2303]

could anyone help with this ,

 

i have lowell chasing a debt that they purchased from barclaycard some years ago ,

 

im fairly certain that this is SB ,

 

on my credit file there is no reference to barclaycard

 

there is reference however to the debt by lowell who have been reporting it since 2008.

 

The account was actually opened in 2004

but as there is nothing under barclaycard

 

i believe it to be SB as

 

lowell only started reporting it when they bought the account ,

 

have i made the correct assumption on this?

[renegadeimp]

When was the absolute last time you made a payment to it, and made written acknowledgement to the debt?

 

If it wasnt on your credit file , and lowells have added it after they bought it, then you can issue a complaint against it.

[matty2303]

Not at all sure when i last made a payment

 

certainly not in the years lowell have been reporting it ,

 

thats what i can't work out it

 

was reported as in default in aug 2009 (not 5 years as stated earlier)

 

but there is no reference to this debt before then but it states the account was opened in 2004

[renegadeimp]

You need to find out when the last payment was made and the last absolute written acknowledgement to the debt was. SB depends on that. Your CRA file is a completely separate matter.

[matty2303]

ok thanks just could work out why the payment history doesnt go past 2009 when it was opened in 2004 , i will have to send them a prove it letter

[matty2303]

what would be the best course of action here to send the prove it letter or a CCA request

[dx100uk]

cca

 

try noddle they usually have passed payment info

 

dx

[matty2303]

thankyou dx have tried noddle thats where my info comes from it goes back to 2009 even though the account goes back to 2004 , ill get the CCA sent off

[slick132]

Hi Matty,

 

If Lowells bought the a/c from BC, the BC default marker would be changed to Lowells but the default dates would remain as first posted.

 

Approx how much is owing.

 

Have you thought of reclaiming penalty charges and/or PPI, to reduce the balance.

 

To get the data about what penalties and/or PPI are on the a/c, you'll need to send BC a SAR.

 

[matty2303]

hi all , need some advice ,

 

Have this morning received a letter from B.Carter saying they have been instructed

by Fredrickson on behalf of Lowell to issue court proceedings on 7th april for a credit card debt.

 

The original debt was a credit card (barclaycard) ,

 

on my credit report lowell have it down as the account being opened in 2004 and defaulting in 2009 ,

 

i believe the default date to be at least 2 years before that and

 

nothing from barclaycard is showing on my credit file.

 

I have nothing in writing to prove default date or last payment etc ,

 

how should i proceed with this ,

 

should i treat it as an idle threat or do i need to make some sort of response

[matty2303]

have sent a cca now , will post any developments

[BRIGADIER2JCS]

Has Barclaycard evers shown on your CRA files?

I would send Carter a "prove it letter" accompanied by a CCA to Fredrickson.

In the letter tell Carter that you have no knowledge any outstanding enforceable debt being owed the client Lowell and any claim will be robustly defended.

Carter knows nothing other than basic details.

[ims21]

Two threads merged and moved to correct forum

[oleg]

have sent a cca now , will post any developments

But you said you were doing that last November. What became of that?

Fred staff write the Carter letters and share real time account details with Lowell [all one outfit] so wasting your time repeating stuff.

Besides the letter you've now received, complete with a court transfer date, is just a standard threat. Most ppl fall for it, unfortunately, so it works.

[matty2303]

cca wasnt sent in november for one reason or another , has been sent this morning

[slick132]

Have you found out yet, for sure, when you last paid to this a/c.

 

If not you also need to send a SAR to BC.

 

[matty2303]

some more advice on this please if possible ,

 

after a CCA request Bryan Carter wrote back on behalf of Lowell on 03/04/14 ,

saying they had referred the matter for action and the account had been placed on hold .

 

This morning i have had a letter off someone called BPO again chasing the debt ,

 

could someone please advise on how to progress with this ,

 

i have not received any other response to the CCA request

[dx100uk]

until /unless someone provide an enforceable CCA you sit tight

 

unless ofcourse you get a claimform

that you do not ignore

 

BPO collections are just another DCA

 

like all of them

 

they are NOT BAILIFFS

 

and have

 

NO SUCH LEGAL POWERS.

 

dx

[BRIGADIER2JCS]

some more advice on this please if possible ,

 

after a CCA request Bryan Carter wrote back on behalf of Lowell on 03/04/14 ,

saying they had referred the matter for action and the account had been placed on hold .

 

This morning i have had a letter off someone called BPO again chasing the debt ,

 

could someone please advise on how to progress with this ,

 

i have not received any other response to the CCA request

Are BPO acting on behalf of Lowell, don't see much of BPO collections south of the Scottish Border.

[matty2303]

Yes acting on behalf of Lowell , thanks for the advice , ill sit and wait