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Jobyboy

Lowell/Shop Direct CCA Return is this enforceable

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Hi,

 

 

I've been corresponding with Lowell, who have bought a debt that I had with Shop Direct. They have sent me the following documents which I have uploaded as a PDF.

 

 

Is this enforceable?

 

 

Many thanks.

Edited DocPDF.pdf

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bit more history please

and how did a £300 credit limit get to +£900!!


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I would imagine that the credit limit was increased during the lifetime of the account

 

Unusual for Lowell to actually have so much detail!


Any advice given is done so on the assumption that recipients will also take professional advice where appropriate.

 

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So..... I've been burying my head in the sand about this since I first posted.

 

I've had a look through old documents and emails but can't find my own copies of statements etc so I'm unsure how much I actually borrowed.

 

Every month Lowell are marking a default on my credit file and I feel now is the time to deal with it.

They have not been in touch since the latter above.

 

Any advice, I have no idea what to do next?

 

I should add

- there was no real reason I stopped paying other than they kept increasing my limit, I missed a payment and the late fees and interest just started piling up and panicked.

Edited by dx100uk
merge

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matters not what the calendar section says...

the debt has a defaulted date and the whole thing will vanish from you file on its 6th birthday never to return.

doesn't mean it not owed mind.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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I've followed the advice on here before, once when a company chased a debt that was over 8 years old - that was very simple. And a second time when Moriarity swooped in at the last minute and lodged a court claim that they eventually lost - thanks in no small part to the advice of you and Andyorch!

 

However, in this instance I believe my last payment/acknowledgment of the debt was 2016 and I would really like to start improving my credit file. Is my only option then to pay in full?

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wont improve your score any if its defaulted


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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What would you advise me to do dx?

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Did you Sar shop direct?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Not yet, I'll do that now!

 

Thank you

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