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Lowell and old Vanquis card debt


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Hi

Based in scotland and being constantly harassed by Lowell ie calls and letters. 

They are chasing me for £1150 credit card debt.

I am at my wits end on how to approach and deal with them.

I took early retirement 2 years ago because of severe mental health issues which were affecting my daily work routine. 

I am 60 years old and a homeowner without a mortgage

any help would be greatly appreciated. 

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Hi

Based in scotland and being constantly harassed by Lowell ie calls and letters.  They are chasing me for £1150 credit card debt. I am at my wits end on how to approach and deal with them. I took early retirement 2 years ago because of severe mental health issues which were affecting my daily work routine.  I am 60 years old and a homeowner without a mortgage,  any help would be greatly appreciated. 

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Someone will be here to advise but in the meantime please add more information.

Was the debt actually yours?

When did you contract it?

When was the last time you made a payment against it (if any) ?

Whilst I'm sorry to hear about your Mental health, it probably won't be a factor in this, not at first. Stick to numbers and dates for now.

you will also want to have a read on the many pinned threads in this forum, like this:

 

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Unfortunately Lowell won't give a toss about your mental health and wellbeing.

You should ignore them *totally* until you get a letter of claim (this will usually come from Overdales, who are the same people just in a different part of the building). Then come back here and we'll deal with it.

I do hope you're able to make some small steps towards a more positive outcome re: your mental health though.
 

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We could do with some help from you.

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@the priest

slow down and stop contacting them. never ever ever use the phone or email. writing ONLY.

you say this was a credit card?

who was the original creditor please?

and have you moved since taking this card out and never informed the OC?

a DCa is NOT A BAILIFF

and have 

ZERO legal powers on ANY debt - no matter WHAT it's type.

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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As Lowell are now the owner of the debt you should write to Lowell informing them of your new address.

Can be as simple as "Please note that my current address is xx"

Quote your reference number at the top.

Protects you from backdoor CCJs, as they're quite legally entitled to send a court form to your old address if that's the last one they officially have on file. Grabbing your current address off a credit report is just them getting lucky to have reached you normally :)

Edited by lolerz
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  • dx100uk changed the title to Lowell and old Vanquis card debt

retitled and moved to the provident forum

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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4 hours ago, the priest said:

What or where is the provident forum ?

The creditor was for Vanquis - whom are owned by provident

yes I have moved but I don't think I told them ? - never run from debt.!

Why does that matter ?

 

because...

8 hours ago, lolerz said:

As Lowell are now the owner of the debt you should write to Lowell informing them of your new address.

Can be as simple as "Please note that my current address is xx" Quote their reference number at the top.

Protects you from backdoor CCJs, as they're quite legally entitled to send a court form to your old address if that's the last one they officially have on file. 

you must must write.

and do the same to any other debt owners of any old debts you last used or paid within say 7 yrs.

you are in danger of backdoor CCJ's that you might not know anything about until court bailiffs appear at your door 

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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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