BW Legal/Lowell threatening to take me to court

[SXGuy]

Re: BW Legal/Lowell threatening to take me to court

no, for now you leave it alone. You only reply if they contact you.

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

Will do. Thank you.

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

Update: hello everyone - thought I would give an update after all your kind and helpful input/advice. So far despite sending the second letter as advised by Andrew BW Legal have not responded in any way. So, I guess they are still searching for the 'agreement'. It would have been nice if they had sent me a letter agreeing the debt is unenforceable but I guess I'm not going to get anything like that from them in a hurry. If I do hear from them in the negative will be back for more advice.
Once again thanks to all.

22nd April 2014: one quick question - never heard back from BW since my last letter to them. Nor have they sent back my postal order. Should I still leave well alone or write and ask them for my PO back if they are not intending to use it.

[Sharmaine62]

Cheeky B&amp legal

Hi there. Quick background info: in Jan 2014 I took AAD advice and sent a letter dated 4.2.14 in response to BWlegal asking them to formally provide me with a copy of my consumer credit agreement. Sent £1 PO recorded delivery. They had 12+2 days to respond. On 13 February 2014 they wrote to say they had received my request and that their client, Lowell, may have to refer to original creditor lloyds TSB and they would seek to get the documentation to me in 12 days. I never heard a word until today in the post a letter arrived to say my account is on hold until the 'documentation you have requested has been provided which will be forwarded to you upon receipt of same'. They have enclosed a letter addressed to me - not even on headed paper - dated 10 July 2010 saying my account with Creation had been sold to Lowell. Oh and I had not paid anything towards the debt since end of 2008 and it defaulted July 2009 so would by now be SB? What should I do? Ignore or send SB letter? Please help.

[PlanB]

Re: Cheeky B&amp legal

in Jan 2014 I took AAD advice and sent a letter dated 4.2.14 in response to BWlegal asking them to formally provide me with a copy of my consumer credit agreement. Sent £1 PO recorded delivery. They had 12+2 days to respond. On 13 February 2014 they wrote to say they had received my request and that their client, Lowell, may have to refer to original creditor lloyds TSB and they would seek to get the documentation to me in 12 days. I never heard a word until today in the post a letter arrived to say my account is on hold until the 'documentation you have requested has been provided which will be forwarded to you upon receipt of same'. They have enclosed a letter addressed to me - not even on headed paper - dated 10 July 2010 saying my account with Creation had been sold to Lowell. Oh and I had not paid anything towards the debt since end of 2008 and it defaulted July 2009 so would by now be SB? What should I do? Ignore or send SB letter?.

^^^^ Is this all in connection with your previous thread here http://forums.all-about-debt.co.uk/s...l=1#post370448


In which case we can merge the two threads and then help you to get this situation sorted

Plan B x

[Sharmaine62]

Re: Cheeky B&amp legal

Hi there. I can't access the link? But if it's a post that I did Feb 2014 then is likely the same
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[Undercover Elsa]

Re: BW Legal/Lowell threatening to take me to court

Threads merged

So, this latest letter just said the account was on hold and enclosed old correspondence saying the account had been sold to Lowell?

If there was no demand for payment or threat of Legal action I would just wait and see what they send next if it was me.

In the meantime double check your dates on default/termination and last payment so you're sure of your ground when you do send the SB letter.

Elsa x

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

Thanks Elsa. Yes that's right, just old correspondence enclosed saying the account had been sold to Lowells, not on headed paper or anything. So they could have been 'typed' at any time. I am very clear that the default date was 14 July 2009 that's what is on the CRA file.
So - what should i do now Elsa? ignore their correspondence or perhaps write back enclosing copies of my previous correspondence for their information?

[MrsD]

Re: BW Legal/Lowell threatening to take me to court

I would just wait as Elsa says, no need to poke them if you don't need to

[Sharmaine62]

Re: BW Legal/Lowell threatening to take me to court

I would just wait as Elsa says, no need to poke them if you don't need to

That sounds like a good idea, thank you very much.

This is such a helpful site, you're all brilliant.

[Undercover Elsa]

Re: BW Legal/Lowell threatening to take me to court

You're most welcome Sharmaine