Lowell bought current JDW catalogue accounts

[LestahLass]

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?

[unclebulgaria67]

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 ?

[LestahLass]

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.

[dx100uk]

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

[LestahLass]

Thank you DX

[LestahLass]

Just to update that CapQuest sent me a text asking to speak to me today  about an urgent matter.

 

Reported to 7726

[dx100uk]

capquest are not the lowell group, they are arrows.

 

so must be to do with another debt not these.

[LestahLass]

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

 

Fishing?

Edited March 26, 2022 by LestahLass

[dx100uk]

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