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JD williams Fashion World Lowell Overdue Account

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Hello

 

This morning I received a letter titled "Overdue Account" from Lowell chasing a JD williams debt. I am not sure of any dates or information regarding this account. I believe my next step is to SAR JD Williams to get all information. It is possible that this defaulted in October 2011. If someone could someone give me a nudge in the right direction that would be amazing.

 

Thanks

 

DC

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Give JD a ring first and check last payment date...or if you had an on line facility check that.

 

 

Andy


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Looks like the last payment to JD was December 2010, i do remember a payment being made to Lowell over the phone around 2011 to Lowell of £15 as they were quite threatening on the phone to my partner.

 

Thanks

 

DC

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get proof of the payment to Lowells??? & no further payments??

 

 

your wifes account or yours?


:mad2::-x:jaw::sad:

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Looks like the last payment to JD was December 2010, i do remember a payment being made to Lowell over the phone around 2011 to Lowell of £15 as they were quite threatening on the phone to my partner.

 

Thanks

 

DC

 

So thats also statute barred


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Its my wife account, I'm currently on a mission to sort our finances out and deal with all these situations and debts head on, but i digress.

 

Ive just had a look through old bank statements and a payment was made to "Fredrickson Int" in June 2012 for £15 which i believe is in relation to this debt.

 

The original debt was with JD was stated as £199 and Lowell are now claiming £273

 

Thanks

 

DC

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Ive made a massive mistake everyone, unfortunately I have just found another account with JD Williams Fashion World which this letter relates to. The last payment on the account was made October 2014.

 

So sorry for the mix up and as always thank you everyone for your time and help.:-(

 

Thanks

 

DC

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So June 2012 not 2011...its still statute barred :wink:

 

Lowell cant amend the balance to £273..the agreement would have been terminated on assignment.


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Unfortunately it doesn't look like it is Andy, it looks like its a separate account to the one i was aware of. It was opened in SEP 2014 and looks like 1 payment was made in Oct 2014.

 

Thanks

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Send them A CCA request...that will keep them busy:wink:


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Just to clarify, I CCA JD Williams for the stated account number not Lowell and should i do this now or wait until Lowell get a bit more threatening?

 

Thanks

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No you send the request to LOweel Debt Collectors...they I assume are now the legal owners ?


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Check your credit file/s if you dont recall ever receiving a Notice of Assignment.


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I've just checked there is no entry from Lowell or JD Williams on my credit file under open or closed accounts:???:

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Send the CCA to the Debt Collector

 

Strange if the account was opened in SEP 2014?


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Is this the correct address for a CCA Request

 

Lowell Financial Ltd

Ellington House

9 Savannah Way,

Leeds Valley Park West

Leeds

West Yorkshire LS10 1AB

 

Thanks

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I assume so ...what address is on the letter re overdue account ?


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