Lowell Capital One Card

[gami]

Hello, looking for advice how to proceed.

 

I had a Capital One Card that defaulted more than 6 years ago and I was paying £1 a month, and stopped this recently. 

 

The last contact I have from Lowell who I believe own the debt now after Frederickson was in December offering a 50% discount offer if I paid in 6 months. 

 

In 2014 it was for £650 and the balance is now about £460

 

Edited June 20, 2020 by gami
Update Info

[dx100uk]

who are freds stated client on their letter?

 

dx

 

[gami]

It moved to Lowell I believe, and Frederickson no longer have it, I may be incorrect but I think I've had a letter in the past from them stating they couldn't take payments so I'm thinking they may of been a reassignment letter?

[dx100uk]

that's not what I asked.

you need to ensure that either the original creditor or the subsequent debts buyer are aware of your correct address to prevent backdoor CCJ's If you've ever moved. since takeout.

 

 

[gami]

Hey DX

 

I thought you asked me who the stated client was? 

 

And from what I'm aware it's Lowells- on the most recent letter there's no client listed at all. It only states the offer, and in the corner has "original creditor, original account number - being Capital One"

 

This is to my address so it's the right address. 

[dx100uk]

good so sold to lowells.

it might have come to the right address...

but have YOU in writing to either the OC or any DCA since taking this card out told them of this if you have moved since takout..?

 

you need to at the very minimum protect against backdoor CCJ's

[gami]

No I don’t believe I have.

 

What’s the best way to do this just a generic letter to the OC?

[dx100uk]

you need to send Lowell a CCA request. nothing to do with the OC now

this will kill 2 birds

tell them your correct address

and put them to strict proof 

 

bar OD's and mobile debts are there any other debts from the old thread that are the same situation?

 

dx

 

[London1971]

I learnt the hard way with Lowell’s , Twice!! They always go for a back door CCJ! You need to make it crystal clear in writing, with proof of postage, what your current address is.
 

On the flip side, when challenged, it’s rare they can come up with any proof of anything. They are chancers who buy rubbish debts for a few pence in the pound, knowing they can make all their money from undefended backdoor CCJ’s.

[gami]

Thanks guys I’ll send the CCA 

 

DX no more thankfully

[gami]

Hello.

 

Just to update. I sent my request, I have proof of postage along with this & a copy of said request.

 

I’ve received no acknowledgement letter, & last month they pulled my credit report for an affordability check..

 

Looking around the forum I just leave this now? They’ve become extra annoying in sending letters chasing - but not anything to do with my request 

[London1971]

Yup. No CCA = ignore

[gami]

I’ve had no response to my CCA, another soft search & now they’ve started letting my previous address.

 

Ive read I’m not supposed to follow up the CCA but I cannot for the life of me find my proof of postage now. Should I be concerned of a back door CCJ or legal action? They seem persistent at the moment.