Old Halifax CC now bought by Lowells

[Tim-S]

Long story short

 

 

i had an old Halifax CC opened in 2006.

 

 

The CC is in my name, but the debt was not run up by me,

but.....by my old man who then refused to pay it, but i think thats by the by. And no, he's won't cough up to pay it.

 

I received 2 letters before xmas,

one from Halifax saying the debt had been sold to Lowells in 2014!

And the other from Lowell saying they'd bought the debt back in 2014.

 

Now, its not SB as the last payment, of a pound! was made in 2011.

 

Second letter was a nicely nicely letter than i got yesterday telling me i won't have to pay what i can't afford.

We struggle to pay our own bills, let alone anything extra.

 

For now, i think my best bet is to ignore the letters? Or do i start the "3 letter process"?

 

Many thanks

[dx100uk]

there is no such thing as the three letter process

that [i hope its not] smack of freeman of the land rubbish

please don't follow that route

it'll get you in even more bother.

 

 

you could send them a CCA request

but pers i'd let it run.

 

 

is the card registered to your current address ??

in otherwords, if they do issue a claimform

you'd know about it?

[Tim-S]

there is no such thing as the three letter process

that [i hope its not] smack of freeman of the land rubbish

please don't follow that route

it'll get you in even more bother.

 

you could send them a CCA request

but pers i'd let it run.

 

is the card registered to your current address ??

in otherwords, if they do issue a claimform

you'd know about it?

 

Its passed the anniversary of the default do its no longer on my credit file.

I printed off my entire credit file before the defaults started to drop off last year.

But no, the address isn't registered a my new address.

But both Lowell and Halifax know where i am as they both started writing to me 2/3 weeks ago.

[dx100uk]

the owner might well be writing to your new address

but that doesn't stop them issuing a claim at the old one if they don't officially know where you are now,

last registered address with the oc.

[Bazooka Boo]

Is your address up to date on your credit file, and does your last address show?

 

This is for a petty CC debt which will be full of reclaimable charges, so if Lowlifes rock the boat too much, then you can reclaim them and they won't get their grubby paws on as much dirty money as they had hoped.

 

As it's a 06 agreement then they better hope they have the original at hand to enforce, but that's all par for the course, exactly when in 2011 did you make the last token payment? Beginning? Middle or end?

[Tim-S]

Is your address up to date on your credit file, and does your last address show?

 

This is for a petty CC debt which will be full of reclaimable charges, so if Lowlifes rock the boat too much, then you can reclaim them and they won't get their grubby paws on as much dirty money as they had hoped.

 

As it's a 06 agreement then they better hope they have the original at hand to enforce, but that's all par for the course, exactly when in 2011 did you make the last token payment? Beginning? Middle or end?

The address on my actual credit file is out of date from when i opened the Noddle account. The address that showed on the Halifax debt is about 4 addresses ago. But Halifax themselves wrote to me stating they'd sold the debt to Lowells. Last Payment was made in May.

[Bazooka Boo]

If it's out of date then you need to update it, and all of the other addresses also, otherwise you'll leave yourself wide open for getting a CCJ by default.