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Cap1 card in NI - sold to Lowell pre legal assessment


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Hi there

 

I have had a credit card debt with Capital One of £621 that was sold to Lowell in Sept 15,

 

 

I have been receiving the standard letters from them,

however today they have sent me a Pre Legal assessment threatening court action.

Have yet to respond to any letters acknowledging the debit

 

I am living in N.Ireland, not sure if that makes a difference.

 

Any advise would be appreciated

 

Thanks

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Hello and Welcome,

 

Could you give us a bit of history regarding this card.

 

Thanks,

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I took a credit card out in 12/05/2010 with a credit Limit of £500,

defaulted on this 11/09/2014 when I Lost my Job.

 

 

This has been passed to a few different DCA before being sent back to C O in the summer last year,

and then again sold to Lowell in Sept

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just a silly willy waving letter

pre school assessment

 

 

got all the statements?

 

 

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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You have to laugh at Lowlifes 'Pre department' this and 'Pre department' that, incredibly immature.

 

I used to send them my 'Pre getting off my backside and giving a damn' letter......

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Guys thanks for the replies so far.

 

I have no statements any longer. What do you reckon I do at the moment, hold tight ? Wait for another "threat" to be sent ?

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Do you know if they levied any fees/charges on the account at all?

 

Has it definitely been sold to lowlifes or are they just the gophers?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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yea fees and PPI I bet is why they sold it on.

 

 

might pay you to get an sar running to cap1

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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  • 2 weeks later...

PDF please

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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Is that a begging letter from Lowlifes?

 

Can't really make it out without the header and footer?

 

IMO ignore it, it is a standard computer generated missive they spit out, with all the usual threats that they have carried out a credit file check

who cares if you own your own home and have other credit that you're servicing?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Is that a begging letter from Lowlifes?

 

Can't really make it out without the header and footer?

 

IMO ignore it, it is a standard computer generated missive they spit out, with all the usual threats that they have carried out a credit file check

who cares if you own your own home and have other credit that you're servicing?

 

The thing is I am not even a home owner lol

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PDF is portable digital format, something that your uploads need to be converted into in order for them to be viewed.

 

However I managed to view it OK, albeit sideways.

 

If you don't own your own home then that should tell you just how much notice you need to take of their computer generated threat letter..........NONE!

 

It is purely psychological, once you realise this then their letters cease to have any effect or credibility.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

the important word here is the 'could' end of 1st para

 

 

and the either or 'one at a time'

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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I'm also intrigued by the term ''Letter 'before' claim''??

 

Now is that another tactic to exploit a debtors lack of knowledge?

 

A ''Letter before action'' I have heard of and is common place, as it means exactly what it says, but a LBC I'm thinking is another of these foolish clowns play on words and a direct attempt at appearing to make out legal action is imminent, a bit like issuing SD's as a debt collection method, or fabricating letters to look like they were court a summons?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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claim of what..that you owe a debt

bogroll!!

 

 

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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Oh no I know it's bog roll, but I'm just suspicious of the use of that sentence 'Letter before claim'.

 

It is IMO a deliberate attempt at exploiting a debtors lack of knowledge.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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