AJ's UE Diary

[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]

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.

[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.

[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

[Ostrich]

Thanks guys.

Roger I'm fairly sure it's Lowell Portfolio 1, but will double check my paperwork later.

Like Pat I am suspicious as to why they are offering such a big discount so soon... can't be a bad thing for me

I will continue to sit on my hands on this one!

[Roger]

Thanks guys.

Roger I'm fairly sure it's Lowell Portfolio 1, but will double check my paperwork later.

Like Pat I am suspicious as to why they are offering such a big discount so soon... can't be a bad thing for me

I will continue to sit on my hands on this one!

Just picking out the obvious from your Diary

The Debt is only £600 and they probably paid pennies in the Pound for the Account thats what £6.00
The 50% would still give them £300 for an outlay of £6.00 Its Not a Charity they are giving nothing away!
On a Cost basis to them its not worth their time really is it?


Lowell Portfolio 1 is mentioned here expressly
Lowell Portfolio - AAD Consumer Forum (all-about-debt.co.uk)

The Assignment Sep 2023 thats only what 4 months ago!

Now does this show on your CRA's reports?

Watch and wait see what comes next!

[Ostrich]

Type of account – Barclaycard Credit Card (2)
Date commenced - 2005
Approx balance - £7,300
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status - Default
Account owner - PRA.
Jul '21 - Default notice
Jan'21 - PRA write to advise various repayment options
Feb '21 - As above
May '22 - Account on hold for 30 days due to DSAR request for other PRA account
May ‘22 - Email to say account is no longer on hold and they look forward to finding a resolution. Next day, another email saying “further to our conversation” (never spoken to them, ever) that the account is being put on hold for 14 days…. Bizarre
Jul '22 - 10% discount available... ignored
Aug '22 - Same letter... 10% discount available. Hoping for 100%, thanks.
Sep ‘22 - 20% discount… filed
October’22 - 20% discount… filed
November ‘22- Account passed to litigation team. If we don’t hear from you by December … etc
Jan'23 - If I do not contact by Feb, they may issue proceedings... Filed.
Feb '23 - LBC received
Mar' 23 - Claim forms received. JCS instructed
Jan'24 - CLAIM STRUCK OUT!!!

JCS strikes again!

Delighted that this claim has been struck out, almost a year after the claim forms were issued.

5 of the 7 debts gone now, all thanks to AAD and JCS. Life looking a hell of a lot better as I approach my fourth year of this journey...

Thanks guys. I'm not sure where I'd be if I hadn't found this site.

[Sam Audley]

So glad that we could help!

Legal Disclaimer

I am a Litigation Assistant at Joanna Connolly Solicitors a firm which specialises in consumer credit. If you need to contact me you can send a message by clicking on my username or by emailing me at sam@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340. Our initial advice is always free.

Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk

[Still Waving]

That's great news. A lot of us owe huge gratitude to AAD, and some forum users to JCS also.

[Ostrich]

Type of account – Tesco Credit Card
Date commenced - 2016
Approx balance - £3,500
Date last paid – Jan 2021
Are you on arrangement or not paying – No contact made since last payment
Status – Default
Account owner – Tesco Bank.

Apr '21 - Default notice
May'21 - Passed to DCA (w€stcots)
Jul'21 - Confirmation of residency letter form Tesco (ignored)
Jan '22 - Letter from Tesco - passed to M00rcr0ft
Jan'22 - Letter from Mcroft confirming this - furhter letter asking to get in touch. Ignored
Feb '22 - Letter from Mcoft asking to get in touch
Feb '22 - Further letter from Mcroft asking to get in touch or may send collector to house. Ignored
Mar' 22 - Lots of calls from Mcroft... ignoring.
May '22 - Letter saying there 'might be' a significant discount available to clear the account. Filed
Aug '23 - 15 months of radio silence... but now - LC Asset 2 have been assigned the account (Link will chase).

Not a lot of anything to report for ages, but suddenly a Letter of Claim has dropped through my door.... I guess the downside to blocking phone numbers is you don't know how active the DC's are! LC Asset 2 are the owners, which I have previous with. Hopefully they disappear into the wilderness, but seems unlikely!

Will see what comes next, but based on my experience to date, I imagine I'll be getting a claim through in a few weeks. Better gets JCS back on speed dial.

[Dottir]

I am fully aware of the debates but have you ever even sent a cca request?

personally I would ask for the works especially as this is a relatively low amount but surely even a cca request would help.
If they have it you know, if not they may stop.

[Dottir]

This might help

It’s from debt camel aka Sara who has appeared on moneybox , it says how to reply to a letter of claim. I think you know the consequences of doing nothing.


https://debtcamel.co.uk/letter-before-claim-ccj/

[Ostrich]

Hi - No, I haven't ever asked for a CCA. The contact has gone from 0-100 very quickly and never had a need to request it before. Thanks for your suggestion, I will look at this further before doing anything.

[Joanna Connolly]

Yes send a s.78 CCA request with certificate of posting. Would also be good to send a GPDR (Subject Access) request to Tesco.
Tesco are in the process of transferring all their loan, credit card and banking portfolios to Barclays Bank in October. This may have triggered the sudden contact.

[Ostrich]

Thanks for the advice - I will action this now!

[Dottir]

It’s been a year since the account was sold and with all the work involved with Barclays acquisition of Tesco bank they might not be too bothered about looking for it.

As we know, debts are sold with little detail.
If they can’t produce the CCA then hopefully they won’t issue a claim so get it posted asap. I have always used Royal Mail signed for but that doesn’t always show up as delivered. Special delivery is of course expensive.

[Ostrich]

Being a bit dim, but presumably I send the CCA request to Link, or is it to LC Asset?... not the solicitor?