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Hi,

My wife recently complained to Shop Direct (Very) about unaffordable lending which after a while they refunded interest, charges etc.

She also referred it to the FOS in the time it took for Shop Direct to come to the final decision, she is still waiting for a FOS agent to get in touch though they have acknowledged the complaint.

 

Shop Direct have now sold the debt to Lowell and are refusing to look at the complaint that she has sent to them as even though she has received refunds the unaffordable lending has left her with a higher outstanding balance than there would have been if they hadn’t increased the credit limit.

 

She has in her latest complaint to Shop Direct asked them to close the account and write off the debt as she was unaware that they had sold the debt to Lowell.


We have no way to pay the amount outstanding nor do we wish to engage with Lowell as she still has a complaint against the original creditor sand I would expect that they still need to accept the complaint.

 

Can anyone advise please.

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don't enter into silly letter tennis with lowells...ignore them they are NOT BAILIFFS

 

if/when they ever issue a letter of claim.

 

comeback here.

 

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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  • 1 month later...

read it properly..doesn't say will anything

is not entitled letter of claim

as post 2

 

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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Lowell's MO is to issue court claims for people who can't defend , such as those who have moved without informing them of their new address. AKA a back door CCJ. Providing they have these details it's unlikely they will do any more than send a few begging letters.  The worst thing you could possibly do right now is to enter into a payment arrangement with them. If a Letter before action does arrive, and it's a big if, then that's a different thing. However that may never happen.

We could do with some help from you.

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  • 3 weeks later...
  • 4 weeks later...

Hi again,

 

Another letter received with “Pre legal assessment” across the top.

Goes on to say that they may take legal action but can offer a 20% discount if the account is settled now .

 

Do we ignore this letter too ?

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oh no not the pre school letter in pretty crayons...

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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Yet another “Pre-Legal Assesment” letter received today...

First line of letter reads “We may instruct solicitors” then it says if you don’t get in touch by “date” solicitors may be instructed to take legal action to recover this debt....

 

I take it we just ignore this letter also?

 

thanks for any advice

 

 

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as post 2 back in august.....

until or unless you get a letter of claim

you ignore everything

we don't need to know about pointless pre school rubbish

get reading up.

 

 

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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