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Lowell bought current JDW catalogue accounts


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I had a Marisota and Jacamo account. I have had them for about 6/7 years.

 

This last year I fell behind a bit but spoke to them at Christmas to get back on track.

 

At the time I agreed to £100 each per month but since then lots has changed and I have struggled.

 

I missed one payment to Jacamo awaiting some money I was owed.

 

The next month I paid both still awaiting my owed money, then nearly 3 weeks ago I got covid and although not hospitalised, I have been and remain pretty poorly.

 

I was going to ring them to explain when 2 letters from Lowells arrive. They have bought the alleged debts and I now have to pay them. 

 

But the thing is I didn't default on the Marisota repayments and the Jacamo says my arrears are £36.

 

Not been in this position before so I gather I can CCA Lowell?

 

They have not even said how much to pay in the letter.

 

They sent me a letter again a day later showing I had allegedly paid nothing on the Jacamo account for a year. Again not actually stating any payment plan just that I now have to pay them.

 

Yesterday Lowell text me and today they rang. So it begins.

 

So CCA a good idea? Or is this slightly different?

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When did you originally take out the Marisota and Jacamo accounts ?

 

Think you need to send an SAR to both Marisota and Jacamo, to get all the information from them.

 

How much are you owing on the accounts ?

 

Are  these the only two debts where you have not met the payments due ?

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Looking at the account print out they have sent, the Jacamo account they say was opened in 2014 so I guess Marisota was in 2012 I think. 

 

The Jacamo statement they provided, Lowell refer to it as "your Running account credit agreement". No idea what this is. 

 

They say this account has contractual arrears of £36.16. It's talking of minimum payments but not saying anything about this. 

 

And the Marisota letter does not mention I am in arrears.

 

Let me just post this and try to upload the written text.

 

I will have to upload tomorrow. My head isn't working straight tonight. 

 

Ok Marisota just over £800 and Jacamo just over £900 owing.

 

Yes. Well my arrangement on the Marisota account is met but not Jacamo as explained. I paid last month's money to my 2 accounts and it seems this money was given to Lowells without my knowledge.

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Send jdw an sar

Send Lowell 2*CCA Request

 

Block phone numbers

Report text to 7726 as spam.

 

Ignore lowell until/unless you ever get a letter of claim

 

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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  • dx100uk changed the title to Lowell bought current JDW catalogue accounts

capquest are not the lowell group, they are arrows.

 

so must be to do with another debt not these.

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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Posted (edited)

Don't have another debt DX unless it's that parking think which has not been heard from in ages.

 

Fishing?

Edited by LestahLass
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Nope not parking. Mainstream dcas don't touch them with a bargepole 

 

Must be a 3rd debt. Check the ref number to your old debts or credit file printouts 

 

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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