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    • i will guess this is:   a debt buyer dca cannot register a default notice    if the original creditor registered a default notice then get a copy of that  staple it to a letter to PRA and demand the account is removed from your credit file forthwith or a serious complaint will be registered with the ICO and financial compensation will be sought.   give them 14 days 
    • Good Evening,    Please may I ask for some information re default markers on Credit Report ?    I had a CC with a Bank default around Jan 2014. Nothing was registered on my Credit Report The debt was later sold on a few times. Eventually to PRA in 2017 where it is unenforceable.   On my Clearscore report that I have recently downloaded it says “ In default PRA GRoup 5th April 2017”. when I click onto this it shows no markings on any month from 2014. so my question is can PRA register the default from 2017. I’m unsure if it drops off from The bank in 2014 or after PRA registered in 2017.    thanks for any advice you can give   
    • there you go all done i thought i could see you'ed left your reg number and their PCN number in your pictures.   there are quite a few threads here on this only allowed 30mins on certain esso forecourts total rubbish ofcourse  and none haver gone anywhere so far FWIW.   dx      
    • Highly likely providing you were the first private buyer to purchase the car with HP or conditional sale outstanding the solicitors will conclude that you have good title and act accordingly  As dx says let consumer law deal with this, keep the vehicle well hidden just in case but if you turn up at the sellers work and cause problems and the Police become involved  its highly likely you will be the one with big problems 
    • Seven years ago today this topic started 🤗
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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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.

We could do with some help from you.

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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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  • 1 month later...

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.

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