Lowell - OHs jdw catalogue account sold without warning

[Maudymumfuzz]

Hi

My husband has had an account with JD Williams for the past 6 years,

4 years ago we experienced difficulties and they accepted interest free payments of £20 per month which we have paid religiously ever since.

 

 

Last week he received a letter saying the account had been sold to Lowell and that all payments should now be made to them.

 

 

I have no issue doing that but they have now started calling our landline (my hubby works nights so we could do without that really!) and we don't want to start being harassed when everything's been fine for 4 years.

 

 

Is there anything we can/should do?

 

 

My son answered the phone and is now worried sick :-/

Many thanks

 

Maudy

[BankFodder]

The most important thing is to keep on making the agreed payments. Don't falter or else it could be taken as a sign that you have breached your agreement and that would allow them to start imposing a new regime.

 

Write to Lowell and put them on notice that you do not wish any telephone calls from them and that you will be logging everything that comes in. Read our customer services guide and implement the advice there. Keep a log of all calls coming in.

If you have any further problems with them after that then come back here. Be aware that they may well start to demand that the instalments are changed all that you provide further information. Let us know.

[dx100uk]

just remember lowells are not bailiffs

and have

no such legal powers

 

 

when was the account opened

[Maudymumfuzz]

Thank you BankFodder - much appreciated.

 

 

I will get a cheque off to them today as its almost due anyway.

 

 

As we have just simply paid each month i have never made any enquiries as to whether or not there are any penalty charges etc on the account and wasn't sure if this is possible now the debt has been sold.

 

 

The account i mentioned above is my husbands but i myself have one too with the same company, yet so far that one remains with JD Williams and doesnt appear to have been sold on. I cant work out why they have sold it when payments have been regularly maintained.

 

Many thanks

 

Maudy

[AndyOrch]

" I cant work out why they have sold it when payments have been regularly maintained."

 

Because you ran into financial difficulty and breached the agreement,

 

" 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month"

 

Regards

 

Andy

[Maudymumfuzz]

hi dx - the account (i think!!) was opened approx 5-6 years ago and we have one each yet hubbys is the one they have sold...

[Maudymumfuzz]

" I cant work out why they have sold it when payments have been regularly maintained."

 

Because you ran into financial difficulty and breached the agreement,

 

" 4 years ago we experienced difficulties and they accepted interest free payments of £20 per month"

 

Regards

 

Andy

 

Hi Andy

I understand we breached the agreement at the time but that was 4 years ago and we have paid JD Williams each month ever since as they agreed.

 

 

Then they sold the account 3 weeks ago without any warning or reason and we haven't fallen behind on the payments whatsoever.. hence my confusion.

 

Thanks

[AndyOrch]

Hi

 

Well they dont need a reason in all honesty its all in the small print of their T&Cs and what happens if you default on an agreement...your agreement/you are of no further use to them....

 

Anyway thats water under the bridge now...now you need to concentrate on Loweel

[Maudymumfuzz]

Thanks Andy - agreed

 

 

i was just puzzled i guess and i don't handle stress very well so probably over reacted a tad!

 

 

Lowells paperwok does suggest that but as i said as we hadn't missed any payments i was confused as to why.

 

 

Hopefully they will be reasonable in accepting the same repayment etc.

 

 

Hubby wondered if they might offer a discount for paying off in one go...

. (my mum had offered to help us out if we needed it but i dont know what the implications are if any)

 

Thanks again

 

Maudy

[AndyOrch]

Well you will have to give that some consideration...lets see how your new found financial relationship progresses first:wink:

[dx100uk]

sounds like you need to be sending a few CCA requests now these debts have been sold on ...rather than blindly paying all these debts.....

 

 

I also question the logic of using a cheque.

 

 

ofcourse we know a dca would never lift a signature onto a blank agreement........

[Maudymumfuzz]

Indeed - fingers crossed thanks again

[Maudymumfuzz]

sounds like you need to be sending a few CCA requests now these debts have been sold on ...rather than blindly paying all these debts.....

 

 

I also question the logic of using a cheque.

 

 

ofcourse we know a dca would never lift a signature onto a blank agreement........

 

 

Thanks dx... i did actually remember that we shouldn't be using a cheque so the letter i have typed up says that payment will be made via online banking. I will get the rest of the info off to them tomorrow..CCA etc and see if that throws anything up. Thanks again - as always very much appreciated

 

maudy