Hitachi capital finance / Lowell

[dx100uk]

CAG  spell checker here I expect poked its nose it..

well without a default notice Lowell wont be going any whare near a court then...

 

as already explained if you read your thread from post 1 again

they don't have to default the debt upon sale or earlier but typically do

probably appear once lowells entry pops up there soon I expect.

 

[AndyOrch]

The agreement has been assigned and the amount wrote to zero therefore the account has been terminated.The fact that they have not registered a default is in your favour in one way.,the lack of default notice and more so the lack of Notice of sums in Arrears prevents the creditor from charging any interest or even enforcing the debt through court,  but it does not mean they have not defaulted you internally on their own systems...only D SAR could reveal this information.

 

Section 11 of the CCA 2006 amends the CCA 1974 - 86D - that sets out the consequences for a creditor if he fails to notify as required by sections 86B or 86C.

If the creditor fails to provide a notice when required to do so, then throughout the period of his failure (i.e. from the date that it was required to be given until the end of the day on which it is eventually provided), he is not entitled to enforce the agreement.

In addition, the debtor or hirer is not liable to pay any interest that relates to the period of the creditor or owner’s failure,

 

Andy

[dx100uk]

issue here is the continued AP markers......

[AndyOrch]

Even bigger issue is when Lowell submit the claim form...better to be prepared.

[yesilgozlerim]

There’s no AP markers since my last payment back in December 2018.

 

what is a DSAR?

 

Is it worth sending a SAR to Hitachi to find out what they have on me or is it likely that Lowell will have everything now ?

[AndyOrch]

Click the word SAR

[dx100uk]

dsar is an sar<< clickme

 

lowells wont have anything bar a single line in a spreadsheet.

 

good theres no AP then

stopping payment sorted that issue then.

 

 

 

[yesilgozlerim]

Yes DX, but my whole aim was to get Hitachi to default me , because once i set up payment arrangements after default , AP markers won’t be recorded.

 

They just record the payments on the CRA and reduce the balance each month ( the same that Cabot have done with me for the last two years with another debt ) 

[dx100uk]

if ap markers are not being reported you don't want nor need a default.

the only benefit of a default is to eventually get the AP markers removed when it hits its 6th birthday or get the defaulted date moved to the third AP marker as some do.

 

start another thread for the cabot debt.

 

[yesilgozlerim]

what is saying is ...once i set up a payment plan with lowell then AP markers will be recorded whereas if it was defaulted prior by Hitachi  then they won’t show when I set up a DMP with Lowell .. are you with me ?

[dx100uk]

who says you have to pay lowells anything?

 

I doubt they'd mark it as AP anyhow.

[yesilgozlerim]

i’ve a £4333 debt so i will have to pay it off somehow 

[dx100uk]

who says!! throw the morality card out the window

why did hitachi sell the debt on for 10p=£1

why didn't they take you to court and crush you??

something is wrong..

 

have you had a letter of claim from lowells solicitors yet?

have you sent a CCA request? [if not don't yet]

 

 

[London1971]

30 minutes ago, yesilgozlerim said:

i’ve a £4333 debt so i will have to pay it off somehow 

Er more than likely probably not,

 

Of my 50 k of unsecured consumer debt, that I completely ignored, 45 k went statute barred years ago and long gone from my credit files. 5 K that I had to repay were back door CCJ's that if I'd have paid attention to this forum, I never would have had to pay back either.

[yesilgozlerim]

They only brought the debt at the end of June.

I haven’t made any payments to Lowell.

 

This letter i received yesterday from lowell was a ‘ Pre Legal Assessment ‘ stating that they may take legal action to recover the debt if i do not contact them to arrange a repayment plan!

and no CCA request yet 

[dx100uk]

good well sit on your hands then!!

 

 

[London1971]

I just shredded a ream of DCA letters from the last 10 years saying they 'may' take legal action, and never did.

[yesilgozlerim]

Hello,

I haven't posted for a while and can't find my old posts.

I had debt with Hitachi Capital Finance that they never defaulted and never marked my credit files with a default.

 

They sold it to Lowell who threatened me with a CCJ but I haven't heard a single thing from Lowell or Anyone else since December. It's now May!

 

I think that Lowell passed it back to Hitachi as they knew they couldn't get a CCJ from an undefaulted  account  

 

I'm now  at the stage where I want to know what's happening but if i send SAR to both Lowell, and Hitachi, will it wake either of them up ?

 

To clarify, i'm wanting to set up a dmp but i didn't hear from anyone after the CCJ threat . 

 

What should I do ?

[yesilgozlerim]

August not december.

Not contact since CCJ threat August 2019.

Edited May 6, 2020 by yesilgozlerim

[yesilgozlerim]

i found my old post but it didn't let me comment there for some reason 

[dx100uk]

merged your thread again like last time.

 

I suggest you go re -read your thread now from post 1 now.

not sure why you keep wanting to give a DCA free money mind?

 

 

 

[brassnecked]

Best not to prod Lowlifes at the moment, they might have left it alone as they could unstuck with a defended claim for whatever reason.

[henny]

 

Hi, have you got an update about Hitachi,

 

Im in the same position were they wont default my account but they haven't sold it on yet.