Lowell Pre legal Assessment letter - Asda Creation CC debt of £9554

[beepy01]

Hi, I am busy putting together a DMP and wrote to one of the credit cards making an offer of payment, instead of hearing back from them I heard from a DCA thanking me for my offer and giving me bank details. I am not really sure what to do.

[AndyOrch]

Which DCA and who is the credit card with ?

[beepy01]

It is an asda card so creation is the lender and the DCA is Moorcroft.

[AndyOrch]

Ignore Moorcroft...deal direct with Creation only...if they wish to keep passing it to a DCA ignore Creation also.

[beepy01]

ok thank you very much. Why do you ask about which DCA are some worse than others?

[AndyOrch]

ok thank you very much. Why do you ask about which DCA are some worse than others?

 

We know which will do what

[beepy01]

Thank you x

[dx100uk]

I hope you've sent a CCA request to all these people you are think of blindly paying via your DMP?

 

who are listed as moorcrofts client on their letters

[beepy01]

creation financial service

[dx100uk]

so when did you take this card out?

and have you sent a CCA request on all the other debts you are thinking of paying through this DMP?

and I hope its with a free provider that doesn't charge a fee?

[beepy01]

Hi 

I have just received a letter from Lowells entitled 'pre legal assessment'.

They now own a Creation CC debt of £9554.  

A default notice was sent on 7 Sept 2017 by Creation.  

After that date I have ignored all communication.  

 

I believe the account was opened in 2012 (I thought it was earlier).  

I want to start taking things in hand.  

Am I correct in thinking the first thing I should do is send Lowell a CCA request?

Thanks in advance 

[dx100uk]

old and new topics merged

 

yes we told you to sent a CCA request nov 2017

see post 10

 

dx

 

[beepy01]

Thank you dx, I am sorry to mess you around like I said head, sand etc but am going to deal with it now.   Thanks again, I will let you know what happens.