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Lowells debt - been repaying for years, but don't know what it is for -what should I do?


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Good afternoon everyone.

 

This is going to sound pretty silly but I have been paying Lowells £5.00 per month for nearly 3 years now, but I have no idea what it is I am paying for.

 

Some of you have been helping me with an actual claim, so know the state my life was in a few years ago, so I won't go into that all again.

 

Anyway - I think (but am not certain) that the debt was an old littlewoods catalogue. I have not missed a payment ever in the nearly 3 years it's been going on for - but my credit file just shows default every single month, so I am getting no benefit by paying it back.

 

I'm rambling (as always) sorry; I just wanted some information on how I can find out what this is for. I am loathe to call them as they've lately been writing to me about an old mobile phone contract, and I'm nervous that getting in touch with them may open another can of worms. My credit score page just says Lowell, and nobody else so I don't have a clue what this is for.

 

I imagine most will think it insane that I've been paying them all this time without knowing what it's for - but I just agreed a small amount to get the off my back at the time, and being homeless I have lost any paperwork they might have sent me long ago.

 

Many thanks people.

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who has ever said anything on cag about ever ringing a DCA???

no one you never ring them

they are NOT BAILIFFS.

 

 

send them a CCA request

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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If youd ont know what its for, you can stop paying and wait for a letter from them to come. Dont worry about court, as theres a whole lengthy procedure they have to do before they even file any paperwork

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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I'd certainly be stopping paying, which will give lowlifes a kick up the backside to send you one of their missives.

 

If they've not been sending you a statement of account each year, then why the hell are you throwing £60 a year down the drain??

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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For sure they should have been sending you statements each year - have you not received these?

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Ensure you tell the bank that they cancel ANY CPA that Lowlifes 'may' have added to your account, AND, under no circumstances are they allowed access to your account again, with out your express permission.

 

If lowlifes have been taking this DD every month without good reason, then I'd be claiming it all back! With interest!!

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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go invoke the DD guarantee by phoning your bank.

get all the payments back

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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