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Lowell/Shop Direct


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I have an old catalogue account with Littlewoods.

 

According to my credit report, it was opened in March 2007 and defaulted in November 2009.

 

Now the debt is with Lowell who have been chasing me for a couple of years.

 

I've had the usual letters saying they may pursue legal action against me etc etc

 

I requested the CCA and received the attached document back. It was signed in April 2007.

 

I have ignored all recent letters and have just received several offering various discounts of 30/40/50%

and they will update my credit file to show partially satisfied.

 

Does the attached CCA look like it could be enforceable?

I see no point in agreeing a discounted payment now as it will do my credit file no good anyway

when it is due to drop off in November but I don't want a CCJ either.

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poss get an SAR running to shop direct and get all the statements

if theres a discount flying around

I bet theres more to be had.

 

 

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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poss get an SAR running to shop direct and get all the statements

if theres a discount flying around

I bet theres more to be had.

 

 

dx

Thanks dx100uk for your advice, but I'm specifically asking whether anyone has an opinion regarding the attached CCA.

I've had chasing letters from Lowell for the last 2 years and they've not taken any action. It's coming fairly close to being SB now.

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Lowell would have done court already if they could get money from you. The fact that they've offered multiple discounts shows that they know they can't do anything. Sar the oc and get reclaiming.

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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where the rest of the T&C's??

 

 

not enforceable.

 

 

but don't tell them that

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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