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Crazy Clearance {JDW} cat debt now with lowells - irresponsible lending?

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Hey guys,

 

I had a Crazy Clearance (JD Williams) catalogue, back in 2015.

It defaulted in 2016 and is now with Lowell.

 

Looking back,

I kinda cannot believe how month after month my credit line was going up automatically,

even though my credit history back in 2015 was rather rubbish!

 

 

I was thinking if there's any point of complaining or trying to raise this issue as irresponsible lending with OC.

Not really sure how or what good could it do now tbh.

 

The history of the account (credit used/credit limit):

2015

APR 101/125

MAY 89/225

JUN 218/325

JUL 367/500

AUG 440/700

SEP 704/1000

OCT 747/1000

 

and so on until it got out of hand and eventually defaulted... Apr-Sep +£875 credit increase.

 

is there any chance to try the irresponsible lending route?

And if yes, then how do I go about it?

 

As always, any help is greatly appreciated :)


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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doubt it.

are you paying this

or when did you stop?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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It defaulted May 2016 and went to Lowell and I haven't made any payments since Nov 2015


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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how old is the account when did you take it out?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hey dx,

The account started Apr 2015, defaulted May 2016 and been with Lowell since default.


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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blimey that's quick to chuck it to a DCA.

must be something wrong with

 

 

get an SAR running to Shop direct

and a CCA request to lowells


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Well I kinda stopped paying and avoided contact since Nov 2015, when it all got out of hand and I ended up in a dark place (again)...

So May '16 seems quite expected for a default i suppose?

 

Sorry to ask dx but what good will it do me to CCA and SAR?

 

 

Only asking because the debt is mine,

I went stupid and overspending and tbh it's £11 that I'd rather spend on rent or food :p

the place I am in now 11 quid is my fortnightly food shopping on a budget... :(

 

Ohhh I'm just so fed up with it all,

it's just one default after another

and sometimes I just think what's going on,

what the bloody hell is wrong with me to keep repeating same old mistakes.

I don't think my CR could get any worse atm, it's really bad...


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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my files been 1 for 6yrs now don't worry.

 

 

now CCa will force the fleecers to prove they hold the required legal paperwork to chase you

[i take it they are hence your thread?]

 

 

an SAR will give you all the statement and account comms history

that might prove useful too.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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They are indeed, not as persistent as they used to though.

 

 

I have now 3 separate accounts with Lowlife.

I might actually start a thread listing all my accounts.

 

 

I think I need to see the bigger picture because I honestly do not know where I'm going with all this.

Do you think that's a good idea, dx?

 

I've been struggling with bipolar for years now,

sometimes I just shut down for months and I don't work, don't pay, avoid the contact with the whole world.

It all just seems too overwhelming atm...


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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hey no sweat

yes p'haps a thread for each one

then we can keep their histories/letter/info separate

 

 

as you resident at the address where you took all this credit out at in the first place?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I moved a couple of times but my address is updated with all three CRAs. So all letters eventually find me :)

I'm also 'on top' of my monthly credit reports from noddle and clearscore.

 

A thread for EACH one? That'll be a good 'few' threads :/


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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ok well start one about all with a list them

if you've not update each one with your correct address

and all you've been getting is phishing letters and not replied

you are in danger of a backdoor CCJ which wont show on your file till its too late!!

 

 

CCA request seems a matter of priority now IMHO


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Okay, dx - let's go!

 

Sorry it took me so long to reply to this thread, as I said sometimes, due to my mental health, I just shut off and rather not deal with my finances, as it triggers really low moods.

So my current credit history is as follows:

 

WAGEDAY - £159

payday loan, default date 08/04/2016

currently paying £1 per month towards it

 

WONGA - £326

defaulted 28/06/2017

currently refereed to BPO for collection I think

 

Elevate - £161, £314 and £154

Sunny payday loan x3, defaulted 07/03/2016

Probably with DCA by now

 

Orange - £330

Defaulted 10/12/2011

Coming off my credit report this year

 

Natwest - £1746

Overdraft, defaulted 22/12/2011

Balance changed both in 2013 and 2014, for a few quid, even though I made no payments at all!

 

Lowell - £1238

This was JDW catalogue, defaulted 02/06/2016

 

lowell - £153

Not sure what this is, telecom supplier,

defaulted 01/08/2016

 

Lowell - £467

Old provident loan, defaulted 04/02/2013

 

Next - £133

Current catalogue, minimal payment is £7/month

All payments up to date

 

Very - £360

Current catalogue, second late payment recorded

 

Cap1 - £164

Defaulted 04/05/2016

Currently £1 a month payment

 

.....................................................................................................................................................

Closed accounts but still defaulted

.....................................................................................................................................................

 

3 (telecom)

Default £66 registered on 13/04/2016 (satified)

 

T-Mobile

Default 10/08/2013 for £31 (satisfied)

 

That's all I can read from my CR.

 

Also there is a payday loan, sold to PRAC (got all paperwork) being chased by BWLegal.

I sent CCA to PRAC but they haven't cashed PO and no reply, and now BWLegal are chasing me.


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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Okay, dx - let's go!

 

Sorry it took me so long to reply to this thread, as I said sometimes, due to my mental health, I just shut off and rather not deal with my finances, as it triggers really low moods.

So my current credit history is as follows:

 

WAGEDAY - £159

payday loan, default date 08/04/2016

currently paying £1 per month towards it

 

WONGA - £326

defaulted 28/06/2017

currently refereed to BPO for collection I think

 

Elevate - £161, £314 and £154

Sunny payday loan x3, defaulted 07/03/2016

Probably with DCA by now

 

Orange - £330

Defaulted 10/12/2011

Coming off my credit report this year

 

Natwest - £1746

Overdraft, defaulted 22/12/2011

Balance changed both in 2013 and 2014, for a few quid, even though I made no payments at all!

 

Lowell - £1238

This was JDW catalogue, defaulted 02/06/2016 CCA request

lowell - £153

Not sure what this is, telecom supplier,

defaulted 01/08/2016

 

Lowell - £467

Old provident loan, defaulted 04/02/2013

 

Next - £133

Current catalogue, minimal payment is £7/month

All payments up to date

 

Very - £360

Current catalogue, second late payment recorded

 

Cap1 - £164

Defaulted 04/05/2016

Currently £1 a month payment

 

.....................................................................................................................................................

Closed accounts but still defaulted

.....................................................................................................................................................

 

3 (telecom)

Default £66 registered on 13/04/2016 (satified)

 

T-Mobile

Default 10/08/2013 for £31 (satisfied)

 

That's all I can read from my CR.

 

Also there is a payday loan, sold to PRAC (got all paperwork) being chased by BWLegal.

 

I sent CCA to PRAC but they haven't cashed PO and no reply, and now BW Legal are chasing me.

 

write to orange updating your address and to NatWest.

id be stating a thread in the PDL section re irresponsible lending claims


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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How do I write to Orange and NatWest? Just update with the new address?

Or SAR?

 

edit: sorry just read your post properly, but if I write to them updating them, will they not start taking care in my account? And refresh their memory about the account? It's coming off my CR soon, I'm just thinking, do I want to go round stirring things or do I just wait it out?

 

Thanks


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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You need to prevent backdoor ccjs when they sell then on

OC's don't do court

DCA's will as soon as they spot you've not upDated the OC's


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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I can't find old Natwest acc number nor client number.

Same goes for Orange.

 

Not sure how to write to them now as I changed my address and my name since, how do I identify myself to them?

Just by old name and old address?

 

And as for Next and Very, they are current catalogue accounts but Very is already 2 payments behind...

Should I just offer both £1 token payment and inform them of being in hardship?


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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I can't find old Natwest acc number nor client number.

Same goes for Orange. - ring and get the details.

 

Not sure how to write to them now as I changed my address and my name since, how do I identify myself to them?

Just by old name and old address? - poss inc a CTAX bill copy?

 

And as for Next and Very, they are current catalogue accounts but Very is already 2 payments behind...

Should I just offer both £1 token payment and inform them of being in hardship?

i'd use the £XXPCM letter first.- the one that asks for charges/interest frozen, if they don't then the £1PCM letter as they've failed to assist you as they should.

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Okay,

With Orange I have to email credit report queries department and they will be able to change the address for me.

With Natwest I need to pop in to any branch with my ID and they will also be able to change the address.

That's in my books for tomorrow.

 

I will also inform Next and Very re: hardship and offer £xx pcm

 

What do i do about the rest of the debts?

Do I fire CCA to Lowell x2?


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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are Lowell chasing the vanquis card then?

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Not Vanquis,

 

I (apparently) have three accounts with Lowell

1. Provident

2. Crazy Clearance

3. Some communication supplier

 

They're sending occasional letters, notices of default, and annual statements


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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they cant send NOD's they are not the original creditor.

probably NOSIA 'notice of sums in arrears?

 

 

it might be better to just send the CCA request for

provi loan [they are vanquis [card] by name too]

and CC

they will serve as advise of new address for the other they hold- [let the comms debt with them run for now]

so no backdoor CCJ's possible


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Okay, got a response from Orange (EE).

 

Dear Mr Xyz,

 

Thank you for your email. I have located the Orange account xxx for you.

 

We would not normally be able to conduct any change to your credit record after it is closed, the date of default shows as 10/12/11 and therefore as credit records expire after 6 years this will no longer be visible on your credit report after December 2017 regardless.

 

To allow us to review your query in the meantime however, as I appreciate you are contacting us to resolve this imminently, if you could provide a copy of the documentation of the name change we can give you a definitive answer on the next steps for the credit record as we will be able to review your query regarding the name on the account.

 

Yours Sincerely,

Credit Referral Underwriter

So do I now have to forward a copy of my deed poll or should that have been sufficient to update my address?

 

 

Also sent 2 CCAs to lowell (Provi and JDW)

1 CCA to BWLegal

1 CCA to MMF for three Sunny loans


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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you certainly need to prove who you are now

if the account was open in a differing name.

 

BW are solicitors not debt buyers


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Okay, so got response from EE (Orange). Didn't really tell me much but I take it my details have now been updated:

Dear Mr XYZ,

 

Thank you for providing the information regarding the Deedpoll change you instigated. Unfortunately this correspondence does not allow us to change the name on a closed credit record so it will remain at its current status.

 

As I confirmed to you in our last interaction however the record will only be visible for you until December 2017. Information regarding this account is held on your credit file for a period of 6 years from the date of default which was 10/12/11. This is the standard period of time the credit reference agencies hold information relating to closed accounts. This is set by the credit reference agencies themselves and not Orange.

 

I must also confirm the account has an unpaid balance of £330.04 which remains outstanding which is the balance the default status relates to.

 

I appreciate this is not the response you were hoping for however I trust I have brought clarity to the matter.

 

Also got a response to my two CCA requests from Lowell, I hope the pdf file got attached correctly.

All it says it's that they need more time to locate Credit Agreement, standard response I suppose.

Lowell_CCA.pdf


I have received great help from CAG on several occasions and contribiuted a bit. Did you? :ban::boink::madgrin:

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

I don't give any advice as I am not at all qualified! I only express my views and ideas. :loco:

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