Starting to deal with my debts!

[Gerfc]

Hi all, 

 

 I am hoping I could get some guidance regarding some debts I have, I currently have 5 defaults on my credit file and they are all with Lowell for recovery.

 

I am currently working but after all essentials are paid I have very little left over to offer any payment anyway

 

Basically, I have been burying my head in the sand, binning all letters etc.

I will detail the debt amounts below and default dates. 

 

Capital one £550, 

Default Jan 18.

 

Capital one £354, 

Default Jan 18.

 

JD Williams £2009,

 Default  May 19.

 

JD Williams £265,

Default  May 19.

 

Gratton plc £128,

Default Feb 19.

The letters I have been receiving have been civil enough but I suspect this is due to the pandemic and they will become more forceful in near future.

I have read on other threads that Lowell regularly take cases to court, so I’m thinking I’ll be one of these due to the fact they have 5 accounts they are chasing me for .

 

Anyway I want to look to the future and find out what would be the best way forward for me, I worry they will take me to court and get a decree which will stay on my file for another six years(??).

I hope I have posted this in correct area and that it makes sense lol.

 

Thanks in advance for any advice

[AndyOrch]

Hi and Welcome to the Forum.

 

If you could date the start of the agreements that would assist on the advice given and confirm if you have received default notices for all the above ?

 

Andy

[Gerfc]

Hi Andy thanks for the quick response.

regarding default notices for the debts I believe I did, but not certain. I had a bad habit of destroying all correspondence as soon as it arrived, sometimes not even reading, pathetic I know but I wasn’t in a great place at the time.

As for account start dates they are as follows

Capital One (£550).      October 2016

Capital One (354).        June 2016

JD Williams (£2009).   August 2015

JD Williams (£265).     Jan 2019

Gratton. Plc (£1128)    Aug 2014

[dx100uk]

you ofcourse took this credit out whilst resident in scotland and still remain in scotland?

 

it's worthy to note lowell don't do court cases in scotland too. 

pers i'd stop worrying 

sb is 5yrs in scotland then the debt totally vanishes and is extinguished.  

 

the defaults will keep the debts on your CRA file until their 6th birthday then each will vanish too.

 

when did you last pay anything?

and have you moved in scotland since taking the credits out and never informed the OC's or Lowells?

[Gerfc]

Hi dx thanks for your reply.

Yes all the credit was taking out in Scotland at my address I’m currently in.

The last payment on each account would be more or less the default dates, I tried to set up repayment plans initially but after about a month I stopped as I wasn’t managing as my wages where all over the place due to lack of work.

The Capital one debts I thought had defaulted at an earlier date but I’m just going with the dates that are on my credit file (clearscore +karma).

Do I just carry on as I am doing then? (Ignoring all correspondence) although I will start filing all paperwork I get.

thanks again for your time dx.

 

 

Edited June 22, 2021 by Gerfc

[AndyOrch]

Requesting copies of the agreements wouldn't harm and also put Loweel on notice this guy could be trouble.

[dx100uk]

yep fire a CCA request off for each one.

 

they have 12+2 working days to comply and if they fail or until they comply you ignore them totally.

if you do get a reply with paperwork, start a new thread in the forum named after the Original creditor, and follow our upload guide and scan it to one mass PDF. lets see the bogroll then we'll decide.

 

quite a few of your debts must close too if not already..SB'd then (5yrs since last payment) .

 

as for DCA's don't forget they are NOT bailiffs

and have 

ZERO legal powers on ANY debt no matter what its type.

 

 

[Gerfc]

Ok guys thanks for the info, il start on the CCA requests when I get home tonight. I will keep yous updated.

thanks