AJ's UE Diary

[Roger]

Letter today offering a 50% discount, which is nice. Filed for now. Tbh, if they offered 75% I'd be very tempted to do it just to tick another one off the list.

This is your Natwest CC
Date commenced - 2002
Approx balance - £600
Sep '23 - Sold to Lowell Financial Ltd (LFL)

You haven't sent a CCA S.78 yet!
As this is pre 2007 this could be difficult for Lowell to say the least!

Which Company in the Lowell Group was assigned the Account from Nat-West.

In the meantime SILENCE

[Pat]

Ho Ostrich

While it is no guarantee, if they are offering big discounts it may be because they think they can not win in court.

Requesting a CCA is relatively risky- if for example they do not have one but then get one they might just go of it but as you say it might be easier to settle.

Looking back I can see it was only sold a few months ago- I would hold off in sending a ccc request just yet - some deeds only allow for OC help for a fixed period maybe 6 months maybe a year.

[Ostrich]

L0well have started getting a bit more regular with their threatograms about one of the debts (entry #8).

It's my smallest debt - around £600. If it comes to it, I suspect it will be more expensive to defend than to pay off, but a the same time I really don't want to give these DCA's a penny. I appreciate tactics have changed, but I suspect this debt to be unenforceable (mainly due to the age). Is it worth requesting the CCA in this instance or would you recommend radio silence?

TIA

Letter today offering a 50% discount, which is nice. Filed for now. Tbh, if they offered 75% I'd be very tempted to do it just to tick another one off the list.

[SteveB]

At the moment maybe keep quiet. Certainly if they were to send you a letter of claim then send off a CCA request. The object here would be to keep it out of court.

[Ostrich]

Apologies - Updated. Yes - account has been sold the Lowell Financial Ltd (LFL)

[Still Waving]

Hi

It would be useful if you could update the diary at #8, as the last entry is
"Aug '22 - Passed to Wetcloths to handle. Filed."

Has this account been SOLD to Lowell? If so, to which Lowell company, and which Lowell company is chasing you?

[Ostrich]

Hi all - Been a pretty quiet few months, which has been lovely. Interestingly, nothing at all from L1nk since they took on the Tesco debt (#6)

L0well have started getting a bit more regular with their threatograms about one of the debts (entry #8).

It's my smallest debt - around £600. If it comes to it, I suspect it will be more expensive to defend than to pay off, but a the same time I really don't want to give these DCA's a penny. I appreciate tactics have changed, but I suspect this debt to be unenforceable (mainly due to the age). Is it worth requesting the CCA in this instance or would you recommend radio silence?

TIA

[Roger]

Ok thanks - I thought i'd blocked the number, so will do that now and hope they get bored.

From what I have seen of LINK they will continue to send statements and ask! They can its true Ask!
Refuse telephone Calls, SMS and emails. The cost of postage has gone up again and for each letter/statement thats a cost for them without any income!
May it long stay that way!

[Ostrich]

Ok thanks - I thought i'd blocked the number, so will do that now and hope they get bored.

[Still Waving]

I've looked a bit further into this - The reference number they have quoted in their text message relates is the same as the reference number for their discontinued claim.

I guess the reference number could just be a customer number.... If not, presumably they are still chasing for the claim they discontinued. Are they allowed to do this once they've discontinued the claim?

There have been no searches from them on my credit file.

I'm continuing to ignore for now.

Yes, they can. They discontinued, not had a court rule against them. Remember too, that even if an account is unenforceable, it still exists and they are allowed to ask you for payment.

[Ostrich]

I've looked a bit further into this - The reference number they have quoted in their text message relates is the same as the reference number for their discontinued claim.

I guess the reference number could just be a customer number.... If not, presumably they are still chasing for the claim they discontinued. Are they allowed to do this once they've discontinued the claim?

There have been no searches from them on my credit file.

I'm continuing to ignore for now.

[Roger]

Find out first whatever you can from the CRA's because of this sudden surge from LINK
Who knows what the Current Law is and especially CASE Law but there is existing CASE Law for NOT reporting on UE whilst it is UE and if need arises talk to JCS
AGREED Dont poke the hornets nest!

[Ostrich]

Thanks very much for the advice. Not a good idea to poke the hornets nest!

[Still Waving]

I think it should be mentioned that there is a distinction between a discontinued claim, and a debt which a court has ruled to be irredeemably unenforceable.

[Night Monkey]

So, if a case is discontinued/struck out (ie unenforceable), the claimant should not be reporting the debt to CRA's? Had no idea. I just assumed it would disappear from the file 6 years after.

I joined a thread a while ago when the above was news to me, & it seemed then that the general consensus was to leave things as they are and keep your head down while heading for UE. The option is to fight the DCAs & CRAs, potentially failing to get the entries removed while acknowledging the debt in the process.