Lowell threatening to pass disputed debt to collections department very debt

[Scouse0151]

Hi, and thank you in advance for any help and guidance on this matter.

 

I requested a cca from Lowell regarding a debt of £9000 (which consists of mainly interest charges) from very catalogue.

 

 

They eventually returned an in signed agreement that has discrepancies on.

There appears to be 2 different dates they state the account was opened,

one is 07/12/2008 and an alleged credit agreement with an electronic tick for my signature dated 29/06/2011

 

The total debt is for £9,000.38 Of which £6,434.63 is made up of interest.

 

I am wondering what my next step is,

do I contact shop direct about discrepancies or Lowell ( who are demanding full payment or they are sending the debt to the collections department).

 

I have a neurological disorder which hinders my thinking process and mobility and I have been classed as disabled because of it.

 

I find the constant texting and phone calls disturbing

( I had written asking for all correspondence to be delt with by way of letter when I asked for the cca as my speak is slurred )

 

As I am unable to work due to my disability

the funds would not be available to pay the disputed debt.

 

Would I need to request a sar at all?

They have placed the debt onto my credit score now as being in default.

 

Sorry for the long post (trust me this has taken far longer to type than it has for you to read it

Once again thank you in advance for any advice given

[unclebulgaria67]

SAR to Very catalogues to get hold of all information.

 

Had you actually spent over £2k on the account ?

 

Why so much interest ? Who added the interest ?

 

How much of the £9k are charges on the account ?

 

When did Very sell this account on ?

 

When did you last make a payment for the account ?

 

Did you ever contact Very about having problems paying the account ?

 

Is this your only outstanding debt ?

 

Do you own any assets such as a house ?

[Scouse0151]

Thank you for your speedy reply

 

Sadly they kept increasing my limit and I had foolishly took advantage of their buy now pay later offers,

I made regular payments until My Neurological disorder took a turn for the worse

 

No idea why the interest is so high, this was set by the catalogue company

 

£2,565.75. For purchases.

£6434.63 for interest

 

The debt was sold on the 15/02/2016

 

I'm unsure when the last payment was to them,

I would guess about 2 years ago

 

I did contact them about 5 years ago stating my mental health condition and ability to pay

 

I have credit card and store card debts too sadly

 

I have a mortgage on the house

 

Is it not strange that they have 2 different dates stating when the account was opened?

 

Thank you again

[unclebulgaria67]

Yes dates of account opening point to Lowell not having much information on the debt.

 

Very should have responded to you properly when you contacted them 5 years ago.

The lending was irresponsible and interest/charges added may not be valid.

 

Next action by you is to send a urgent SAR to Very, asking for copies of everything on file and also copies of all statements of account.

 

You should also send a written complaint to Very about them not responding to the health issues you raised with them and them increasing the account limit breaking rules on irresponsible lending practice, with interest/charges added that would be considered excessive.

 

Given that Lowell do quite often issue court claims,

you might also want to inform Lowell in writing that you are currently pursuing a complaint with Very about the account.

 

 

Mention the health issues to them, so they are aware.

[Scouse0151]

Thank you again for your help in this matter

I will get the wheels in motion and see what reply I get back.

Are Lowell allowed to show default on my credit score? They have recently added this debt on.

Thank you so much

[unclebulgaria67]

Yes, normally they are updating a default applied by the original creditors,

but if Very had forgotten to note the default,

then as the new debt owners,

i don't see why Lowell could not add the default,

providing the information was accurate.

[fkofilee]

Hi Scouse

 

Welcome to CAG. First off let me say that what Lowell are trying to grab from you is way more then I would expect for one of these accounts.

Normally we see these accounts in the rang of £1k - £4k so I was shocked that they are asking for £9k when I started reading the thread.

 

It appears that Lowell so far have played ball. But remember that these debts get sold on enmasse and on spreadsheets.

Very should have definitely responded 5 years ago when you informed them. Get a SAR sent off if you havent already to Very / Shop Direct

[Scouse0151]

Thank you for the reply,

I requested that shop direct stop the interest too but they never responded to my letters and continued sending out requests for monthly payments of over £1,000 per month

 

I will be following all advice given on here as the stress of such a debt made up of predominantly interest is not good

Once again thank you

[dx100uk]

I would suspect that the original creditor defaulted you years ago

or upon the debts sale to lowlife

 

so as long as lowlife has not changed that date, all is ok there

 

do you have past copies of your credit file?

did shop direct show on there before sale?

 

don't forget a dca is NOT A BAILIFF

they have no such legal powers..

 

never converse on the phone text or at your door

 

have you sent your other creditors a cca request too?

might be an idea....

[Scouse0151]

Hi, thanks for your reply

 

I got a message from clear score to say my credit score had changed,

upon looking at it I noticed Lowell had me down as defaulting on £9k

 

I will check on equifax to see if my original creditor had reported default and the date of the default,.

i shall report back once I've looked on my full credit score site with the dates etc

I've not requested cca from other creditors.

 

I had a previous account with shop direct that was with very and an account with additions that got passed to very too, very had me as a customer on two different accounts (is that allowed? )

 

 

I cca to the original very account and they could not provide it so the account was closed ,

I had forgotten about that.

Thank you for your help

[dx100uk]

the CCA request goes to whomever is chasing or whomever you are paying , so NOT always the OC.

 

 

additions/very are all the same company , shop direct,

[Scouse0151]

Thank you