Lowell and jd williams debt

[linz74]

Hi wonder if someone could please advise.

 

I have Lowell chasing me for a catalogue debt.

 

according to my noodle report lowells are now the owner of the debt.

 

they are saying that the start date of account was 12/4 2008 and the default was 12/07/2011

now I know this account was opened before april 2008 and

 

I stopped paying round about dec 2008 when me and my partner separated and I was ill and couldnt work.

 

the debt they are saying is for 2,058.

 

I am now a pensioner living on my own and only get my pension no savings and in rented accomodation.

 

I have recieved anoother letter from them today saying if i don't pay £30 a month in the next two weeks they will start litigation

I am willing to pay them a £1 a month but don't think they will accept it after what I have read about them.

 

is there anything I can do

many thanks in advance.

[firstship]

The debt is a low priority debt,suggest you put together a Income and expenditure form,write to Lowell's and confirm that even £1 a month is a struggle,however you are willing to set up a standing order (not direct debit),they will have no option but to accept your offer.

 

The creditor is required to assist you,not hold a gun to your head,

 

FS

[linz74]

Thank you for your reply do I need to get proof of income for dwp and send them my bankstatments along with my income and outgoing or do I just send them the budget sheet thanks.

[ericsbrother]

no, just send your budget sheets and resist any demands from then to do otherwise.

[Blondmusic]

I would start by sending them a CCA request to see if they have the Credit Agreement first. Do not speak to them on the phone. Keep everything in writing. I am sure other Caggers will be along soon with more advice.

[fkofilee]

The creditor is required to assist you,not hold a gun to your head

 

This sentence made me laugh! ^__^ Sometimes it really does feel like they do.

 

Blond is right, before you end up sending a I+E form, check for a CCA with them, £1 Postal order and a request to lowell to see if they have the paperwork.

[dx100uk]

CCA them & get a SAR off to JDW

 

prob find it vastly inflated with PENALTY charges & PPI as well

you can reclaim them too.

 

dx

[linz74]

Hi just an update from lowell.

 

I recieved a letter from them today accepting my offer of a £1 per month

 

I sent off an ingoings and out goings and they can see I had nothing left so accepted.

 

Now I did say that I would pay by standing order

 

they have made out a standing order mandate that they want me to put my bank details in and sign and return to them.

 

when I have done a standing order before have always took it to bank myself,

 

my question is do I write to them and tell them I have sorted it all out with the bank myself

as all there details are on it or do I send it back to them a

nd hope they dont change things as this is just a blank piece of typing paper they have made out.

 

Grateful for any help many thanks in advance.

[firstship]

linz74 Glad Lowell have accepted your offer,a Standing Order is something you generate yourself,ask them for their account number and sort code and confirm you will lodge this with your bank.Do not sign a any paper with your bank details on it,as they can easily convert it to a Direct Debit

 

FS

[dx100uk]

have you sent hem a CCA request yet?

 

dx