My catalogue of DCA letters

[Night Monkey]

Some time ago I left a post on a diary listing the catalogue of letters I’d received from Lowell’s after they bought a couple of alleged HSBC debts. While it was done half in jest at the time with the suggestion that they could be used for a game of ‘DCA Bingo’, it was also done with the thought that it may be useful for some forum members to see where they might be in the threat process.

I can no longer find that post, so in case people do find it useful I’ve listed them below.

Your set might be different, but finding out is half the fun.

I've had 30 variants from Lowell between May '23 and April '24, so proceedings might not be as urgent as they'd like us to believe. I may add more DCAs if the mood takes me.

Feel free to add your own collection - Gotta catch ‘em all…

[Night Monkey]

Lowell (overdraft)

• Your account(s) have been sold to Lowell
• Please arrange to pay your outstanding accounts
• What you need to do
• You have not contacted us
• We’re considering further recovery action
• What further recovery action means
• We have made every effort to contact you
• You need to call us
• Kick-start your payments with a 50% reduction
• Don't miss out on a 50% reduction
• An interest-free payment plan - tailored for you
• Kick-start your payments with a 60% reduction
• Don't miss out on a 60% reduction
• Avoid further recovery action
• You have not responded to our attempts to contact you
• The benefits of contacting us
• Kick-start your payments with a 70% reduction
• Don't miss out on a 70% reduction
• Your outstanding accounts - 'It's now important that you get in touch to agree how you'll repay...'

[Night Monkey]

Lowell (credit card)

• Your account(s) have been sold to Lowell
• You have not responded to our attempts to contact you
• We do things differently
• We need you to take action
• Please don’t ignore this letter
• We’re considering legal action
• What legal action means
• Take action today
• What you need to do
• We’re considering our next steps
• We’ve passed your account to Overdales Legal Limited

[Dottir]

It’s interesting how, over the years the language has changed. Looking back they used to say we will xxx to now it is we may. Not sure why that is but I suspect the FOS or someone has made changes.

[Night Monkey]

Moorcroft Debt Recovery

• Your details have been passed to us
• We are sorry hat you did not respond to our previous letter
• Monthly instalment offer
• You could be free of this debt
• Discount offer
• We note that we have been unable to agree an affordable repayment plan

[Night Monkey]

Wescot Credit Services

• Wescot are a specialist debt collection agency
• Important reminder (payslip format)
• Our enquiries have indicated that you are resident at the address above
• 40% reduced settlement offer
• An opportunity to take control of this outstanding balance in a way that suits you

[Kenny91]

Here are mine from Lowell regarding an alleged M&S debt they took over in early 2023 (these all came via email, and often tangible copies via snail mail too).

Listed with the oldest first.

Lowell (Credit card)

• Your account has been sold to Lowell
• What happens when I call you?
• Take the first steps today
• We need you to take action
• Please don’t ignore this letter
• We’re considering legal action
• What legal action means
• We know dealing with debt can be stressful
• Need some breathing space (missing the "?")
• It not now then when?
• How can we help you
• We’ve been trying to connect with you

Edited to add that I recognise several headings from Night Monkey's OD letter bingo in Post 2, but have either deleted the emails or the paper versions are safely tucked away in a draw upstairs.

[Night Monkey]

I can see a few I haven't got, I feel neglected :-(