carol01 UE Diary

[carol01]

Re: carol01 UE Diary

hi all just an update
i have today recieved a letter from wescot ref my natwest credit card
its a bog standard wescot letter say they have been instructed by their client to collect the above outstanding balance on their behalf.
quick recap niddy says its UE blass up of and application and would hold no legal weight in court
shall ignore for now
thanks carol01

[Deepie]

Re: carol01 UE Diary

hi all
i have recieved a letter from red ref my argos store card it says..
lowell financial ltd has passed your account to us so we can collect the money you owe on their behalf.you must pay us now £2016.57.
we are speacialists in assessing accounts for litigation. so we will be obtaining a copy of your credit file in order to review your financial circumstances and information within it will help us determine the best way to recover what you owe.
if we are sucessful in obtaining a ccj and you still do not reply, depending on the amount you owe and your circumstances,we could then apply to secure the debt against your property,or deduct amounts directly from your earnings.we may ask a court bailiff to remove goods from your house to the value of the debt.
alternatively, instead of applying for a ccj we could (if your account meets certain criteria) serve a statutory demand upon you and where you do not then repay petition for your bankruptcy. if you were to be made banckrupt you could lose rights or benefits in relation to the property you own.
yours....
quick recap
defaulted feb 2010
moorcroft have sent letter confirming no cca apr 2010
passed to several dca's
lowell portfolio bought account nov 2011
and this is latest letter
thanks inadvance carol01

Send this with a copy of the letter you got from Moorcroft > CCA Query - Letter Previously Confirming No CCA

[carol01]

Re: carol01 UE Diary

hi all
i have recieved a letter from red ref my argos store card it says..
lowell financial ltd has passed your account to us so we can collect the money you owe on their behalf.you must pay us now £2016.57.
we are speacialists in assessing accounts for litigation. so we will be obtaining a copy of your credit file in order to review your financial circumstances and information within it will help us determine the best way to recover what you owe.
if we are sucessful in obtaining a ccj and you still do not reply, depending on the amount you owe and your circumstances,we could then apply to secure the debt against your property,or deduct amounts directly from your earnings.we may ask a court bailiff to remove goods from your house to the value of the debt.
alternatively, instead of applying for a ccj we could (if your account meets certain criteria) serve a statutory demand upon you and where you do not then repay petition for your bankruptcy. if you were to be made banckrupt you could lose rights or benefits in relation to the property you own.
yours....
quick recap
defaulted feb 2010
moorcroft have sent letter confirming no cca apr 2010
passed to several dca's
lowell portfolio bought account nov 2011
and this is latest letter
thanks inadvance carol01

[Deepie]

Re: carol01 UE Diary

hi all
update only
recieved all my statements from MKRR for my barclay card???
i have not heard or sent anything since sept and have not spoken to them either, the letter says further to your recent communication with our collections department, please find enclosed a copy or your statement as requested.
we request you contact us on xxxxx to discuss means of repayment. are office opening hours are ......
maybe they have me mixed up with someone else
shall ignore for now

Yes see what they send next...........

[carol01]

Re: carol01 UE Diary

Just ignore this for now

hi all
update only
recieved all my statements from MKRR for my barclay card???
i have not heard or sent anything since sept and have not spoken to them either, the letter says further to your recent communication with our collections department, please find enclosed a copy or your statement as requested.
we request you contact us on xxxxx to discuss means of repayment. are office opening hours are ......
maybe they have me mixed up with someone else
shall ignore for now

[Never-In-Doubt]

Re: carol01 UE Diary

Hi - that was a nice present for you then! Hope 2012 is better all round

[carol01]

Re: carol01 UE Diary

hi all
no cheeky d.c.a letters before christmas this year yay!! so may i wish you all a merry christmas and a d.c.a free new year xx

[Never-In-Doubt]

Re: carol01 UE Diary

^^^^^^

Good thing about this means we can get a bloody good deal done out of it if you ever decide to settle..... think 15p in the pound top end of the scale....

[garlok]

Re: carol01 UE Diary

Hi carol,

I2D is riight. That is a letter giving you proper Notice of Assignment. That ensures that we know who "owns" the alleged debt. They have therefore purchased all the duties and obligations of as well, not just the profit (LOL) making bit.

However as we said its better to sit and wait to see where they go next.

regards
Garlok

[Deepie]

Re: carol01 UE Diary

hiya the letter from argos says
your account with argos - home retail group with a balance due for payment of 2016.57 was sold to lowell portfolio ltd by us on the 3/11/2011 and this letter is give you notice of the asssignment of the debt.
we have not been made aware of any reasons why this debt should not be paid and as lowell portfolio are now the legal owners of the debt any payments you make should be made to them and not us or any of our previous appointed agents.
if you have a query, want to discuss the debt or repay what you are contractually obliged to please call number below. any further communication and payments must be addressed to lowell portfolio.

i also have a letter attached to this from lowell intoducing themselves and how i need to pay and if the do not hear from me they will instruct their recovery specialists to contact me about paying
and thats it thanks carol01

See what they send next ....that is just a letter of asignment.....

[carol01]

Re: carol01 UE Diary

Agree with you mate, but can you just clarify Carol please? What did the letter say actually say about Lowells? They are better known as debt purchasers and the letter should be clear that the debt HAS BEEN assigned to Lowells. I would wait and see what they come up with but it may make a little difference later as to how things are worded with them.

regards
Garlok

hiya the letter from argos says
your account with argos - home retail group with a balance due for payment of 2016.57 was sold to lowell portfolio ltd by us on the 3/11/2011 and this letter is give you notice of the asssignment of the debt.
we have not been made aware of any reasons why this debt should not be paid and as lowell portfolio are now the legal owners of the debt any payments you make should be made to them and not us or any of our previous appointed agents.
if you have a query, want to discuss the debt or repay what you are contractually obliged to please call number below. any further communication and payments must be addressed to lowell portfolio.

i also have a letter attached to this from lowell intoducing themselves and how i need to pay and if the do not hear from me they will instruct their recovery specialists to contact me about paying
and thats it thanks carol01

[garlok]

Re: carol01 UE Diary

Agree with you mate, but can you just clarify Carol please? What did the letter say actually say about Lowells? They are better known as debt purchasers and the letter should be clear that the debt HAS BEEN assigned to Lowells. I would wait and see what they come up with but it may make a little difference later as to how things are worded with them.

regards
Garlok

[Never-In-Doubt]

Re: carol01 UE Diary

hiya all update only
recieved a letter from argos ref my store card to let me know they has assigned lowell portfolio to the deal with the account
quick recap i have a letter from moorcroft stating they cannot locate the cca so shall ignore for the moment as see what happens

Yep, wait and see what happens next

[Never-In-Doubt]

Re: carol01 UE Diary

hiya all
recieved a letter from moorcroft ref my natwest credit card
it says...

do you think i should respond or just ignore for now

Ignore it for now.....

[MrsD]

Re: carol01 UE Diary

good plan for the moment Carol!