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dbs12

lowell and halifax OD £12k Balance almost SBd how likely is court?

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lowell dca help

 

Im hoping for some advice on an old 5 year defauted overdraft debt that lowell purchased some years ago total £!2k.

 

I had my home repossesed at the time and never gave my new address to either original lender or the dca.

 

Ive never had any contact from either but im aware they can still apply for a ccj at the old address they hold.

 

My dilemma is do i contact the dca with my new address and try to deal with it or hope it slips past six years.

 

They have never credit checked me to get my new address.

 

So really i want to know do they usually wait till last minute for court action also are debts over 10k dealt with differently by courts than debts under 10k ?

 

 

thanks in advance

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yes will be fast track and worth their while

esp if they can file to an old address

and yes they will leave it till the very last minute but often get it wrong.

 

tell us more please

who's the OC and

 

so when was you last payment or usage?


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HI

 

oc was haifax account closed mid may 2013 .. its marked with payment arrangements throughout but closed mid may 2013

 

no activivity after mid may 13

Edited by dbs12

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is there a defaulted date in the summary?

so you don't actually know your last transaction that YOU made?

It could well be months ever years before.

 

that's the SB clock start date.


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i was thinkin maybe best to SAR original creditor as im not sure with it bieng an overdraft

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ofcourse you can

and its now free

click SAR


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Right thats what ill do not much to lose at this stage ,thanks again ,ill post back results

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I've updated your thread tittle to better reflect your issue

 

dx


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Can anyone advise the timescale allowed for a SAR request to be sent by halifax please.

 

Recieved a letter from them stating it will take longer than normal to provide the SAR request and that the ICO guidlines allow a further 60 days to complete a complex request such as mine and that they have 90 days to produce my SAR .

 

Can anyone tell me if this is indeed allowed ?

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why not ring them and ask last payment date?

 

not sure on this 60days extension though I cant see it running that far anyway..

 

have lowlife pestered you yet?

 

I would expect you would get a phishing letter to your present address first and a PAP letter [which they must send.elsewhere..]


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Yes pal last payment date mid march 2013 so not SB .

 

lowlifes have been in touch i replied vaguely to one of their emails stating i knew nothing about them ,providing current address (to ensure no backdoor) stating that i was concerned they had any kind of details about me and i knew nothing of them .

 

They then wrote stating the details of the account and they treated my response as a complaint.

 

Acount on hold 30 days.

Edited by dbs12

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ok well you seriously need tro never ever email ring talk to any dca

the only contact ever is by royal mail

however in this one instance

you've told them your correct address [keep proof of the email]

that's it email comms over.

block/bounce emails

 

not long to go to sb then.


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

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

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

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks dx yes it was and is a one off email reply to ensure i can see exactly what they are up too.

 

 

Seems to easy for them with these backdoor ccjs as it also seems (from what i gather) that once theyve obtained these its extremely hard to fight them.

 

 

 

Their move !

 

 

thanks again.

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