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Hitachi credit Loan sold to lowells

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Hello,

 

If a debt is passed from a credit card to a collections agency.

 

Can the agency take you to court for a debt that was not accrued with them?

 

I seem to remember there is some kind of loop hole wit this but I may be wrong.

 

Does someone know?

 

Many Thanks

 

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Only if the debt has been legally assigned to them....IE they now own the debt.

 

Andy


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I see. How do I find out if this has happened?

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You should have received a Notice of Assignment from either the original creditor or the DCA  (Assignor = Assignee)

 

Check your credit files and see if the debt is listed from the OC or the DCA or both.

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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so have you received a letter recently and if so who from and what does it say?

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Start naming names then it will be easy to advise, some DCA's act as tame gophers, others buy debts.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If it's Lowell or Cabot they are quite litigious, and might  send a claimform first and ask questions later, especially if someone has moved in the meantime.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Sorry for the late reply. This is what I have received. It does not seem to have anything official as such. Thank you for your help guys

DOC163.PDF

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OK Great, thank you.

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so how old is the debt and what was it originally?

lowells will have bought the debt as part of a bundle but they wont have any supporting papwerwork to go with it so you will be able to run rings around them when they start to write to you to demand the money.

have you had annual statemetns regrading the balance etc until now?

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thread title updated for clarity.

 

lets have all the history please

 

dx

 


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Hello Again,

 

I have had a notice of arrears for the past couple of years but no demands for monies.

 

When they start asking me for monies what documentation should I be asking for?

 

Many Thanks

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come on full history please...

last payment date?

when you take this out?

what was it for?

 

 


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

spreadsheets 

 

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