Lowell Financial letters - please help

[Roses2014]

Since last month I start receiving letters from Lowell Financial claiming that bought my debt,

which I had with one of the high street retailers.

 

I assumed it was fully paid by direct debit ,whilst I was living abroad.

 

Lowell have asked me to contact them and make payment or arrange instalments which I ignored at first ,

but recently I received letter stating that there was already CCJ obtained over 4 years ago

and if I dont contact them , they will obtain a copy of my file from credit ref agency.

 

That will help them to decide what action to take and that my file will inform them of my current situation as well as highlighting if I am home owner.

 

Once they asses my situation, they will send my account to Hamptoms legal ( a litigation team ) which will act upon Lowell recommendations.

 

Those could be to ask Court to enforce the Ccj by

: attachment of earnings

- deduction from salary,

bailiffs vists or

charging order against property.

 

If they bought the debt from the reatailer, then that must have been a around £ 100 ,

which now amounted to thousand pounds, which I'm unable to pay.

 

The last payment of the debt would be in May 2009, so just over 5 years ago.

 

Can anyone advice please on what I can do?

 

I am also concerned that my ex husband could have left behind unpaid loan, which Lowell may have already details of.

 

Can I also say, that the letters are addressed to my current address but by married surname, which I don't use for the last 3 years.

 

Can anyone advice what I can do, would very much appreciate

 

any help as not necessary can afford legal advice at present.

[dx100uk]

go get your credit file

 

what shows?

 

dx

[Roses2014]

Well, Experian showing as Excellent with 963 points. No data of Lowell searches just yet ,although they claiming that they picked up my details from credit ref agency.

Any advice please ?

[dx100uk]

are all your old addresses showing

 

dx

[renegadeimp]

Sounds like theyre phishing. If there was a ccj and they could enforce it then theyd do so..

 

 

They wouldnt write silly letters saying if, may, might or theyll obtain a copy of your credit file.

[Roses2014]

Yes they are , all of them

[Roses2014]

Yes , lots of if, may might. Also i dont think credit will show as excelent , would it ?

[dx100uk]

if all your old addresses show, they are phishing.

 

whats the debt please.

 

tell us more of the story as your remember the debt

 

dx