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Lowell Capital One Card


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Posted (edited)

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 by gami
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who are freds stated client on their letter?

 

dx

 

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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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?

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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.

 

 

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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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. 

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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

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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No I don’t believe I have.

 

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

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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

 

please don't hit Quote...just type we know what we said earlier..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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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.

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

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  • 1 month later...

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 😒

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