Debt Diary 2020

[adam92]

Last month (Sep) Lowell began offering 50% discount *update

[adam92]

My understanding is that when a debt is assigned, the only requirement for the notice of assignment is that it be in writing. There is no particular form it must take.

There are two types of assignment, Legal and Equitable. See this link for further info on the differences.
https://www.scotlanddebt.co.uk/artic...heir%20behalf.

Note that "If a Legal Assignment has been made, part of the purchasing company’s obligations are to inform you of the situation via an official Notice of Assignment, and let you know that payment should be made to themselves rather than your former creditor."

I was going to use this again for the above do I send it to ACI - Verify haven't actually contacted me yet

[adam92]

Updated Aqua/Intrum/ACI doorstep threat

[adam92]

Capquest I updated. Funny now that they are also sending me sms messages and haven’t for 2-3 years

[XX007]

Hopefully the right thing I complained. They kept doing it and doing it (I imagine clearly on purpose) and my neighbour was getting agitated

They confirmed my complaint and said it would take them 10 days to investigate over a month ago … have a good mind to contact the ICO t

Good luck hope it gets sorted.

[adam92]

What did you do in the end?

I'd be inclined to take copies and then mark them not at this address and return.

Hopefully the right thing I complained. They kept doing it and doing it (I imagine clearly on purpose) and my neighbour was getting agitated

They confirmed my complaint and said it would take them 10 days to investigate over a month ago … have a good mind to contact the ICO t

[XX007]

What did you do in the end?

I'd be inclined to take copies and then mark them not at this address and return.

[adam92]

Here's a question if there's any help,

I've had some letters sent to the wrong numbered address - I assume on purpose, as I've had a rather annoyed neighbour hand me these over the weekend.. now I assume this is to get me to contact as they've had no success so far.

What's the option here? Contacting without resetting a clock but also it feels wise to contact in some form to ensure the correct address in case they tried something sneaky and to prevent the neighbour being annoyed.

Or would simply "NOT AT THIS ADDRESS" and posting back be suffice?

[adam92]

Hi All,

Hope you had a lovely Christmas, just checking in with an update to the Lowell owned accounts IDEM/Halifax OD and the Capital One card. I've noticed Apple Mail tells me Lowell emails are coming from a subscription list (it's allowing me to unsubscribe) -wonder whether if I do - it will alert them to anything

[Roger]

My understanding is that when a debt is assigned, the only requirement for the notice of assignment is that it be in writing. There is no particular form it must take.

There are two types of assignment, Legal and Equitable. See this link for further info on the differences.
https://www.scotlanddebt.co.uk/artic...heir%20behalf.

Note that "If a Legal Assignment has been made, part of the purchasing company’s obligations are to inform you of the situation via an official Notice of Assignment, and let you know that payment should be made to themselves rather than your former creditor."

Thank you Still Waving
At this point simply record in your Diary!
Remember Assignment chains can create problems over Legal Rights

[Still Waving]

I've just received a letter confirming a similar email about a month ago. It does specifically state that the account has been 'recently transferred', perhaps someone more qualified than me could comment on whether that qualifies as a true assignment for debt chasing purposes?

My understanding is that when a debt is assigned, the only requirement for the notice of assignment is that it be in writing. There is no particular form it must take.

There are two types of assignment, Legal and Equitable. See this link for further info on the differences.
https://www.scotlanddebt.co.uk/artic...heir%20behalf.

Note that "If a Legal Assignment has been made, part of the purchasing company’s obligations are to inform you of the situation via an official Notice of Assignment, and let you know that payment should be made to themselves rather than your former creditor."

[Night Monkey]

I had that message too, it was in an email with no date of transfer, I'm not sure how that stands legally.

I've just received a letter confirming a similar email about a month ago. It does specifically state that the account has been 'recently transferred', perhaps someone more qualified than me could comment on whether that qualifies as a true assignment for debt chasing purposes?

[Sparkles]

I had that message too, it was in an email with no date of transfer, I'm not sure how that stands legally.

[Colin G Quinn]

Updated main post with PRA Group (Overdraft)

I may be wrong wasn’t a notice of assignment just a switch around by PRA internally? Included data protection act notices for each company and a statement

Hi,

It would be referring to an alleged new assignment and not just a corporate restructure. Both are different legal entities. Hope that helps.

Kind regards,

[Night Monkey]

I may be wrong wasn’t a notice of assignment just a switch around by PRA internally? Included data protection act notices for each company and a statement

Exactly what happened with my PRA account, file it and ignore.