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Hi there all of you good people. I am new on the forum and do need your help.

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  • #1

    Hi there all of you good people. I am new on the forum and do need your help.

    I had a capital one credit card and fell on hard times in 2010 after i had lost my job. I had never defaulted on my payments before then, interest accrued and could not afford to pay, let alone even my rent. I approached them to hold the debt, stop the interest payments on it so that it does not spiral out of control. At the time it was £1881, it was subsequently passed it on to various DMC and has now ended up with Lowell Financial Limited. I have just recieved Order for Production of statement of means. i can fill this one and send it back. My current circumstances is that i still unemployed, have exhausted all my savings, have applied to various roles and i have 3 interviews lined up already. I am willing to pay and will pay as soon as i start work. I am currently being assisted by relatives for daily survival.

    My question is - what next? Should i send an additional letter to court giving them all my circumstances on top of the statement?
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  • #2
    Re: Hi there all of you good people. I am new on the forum and do need your help.

    Hi Malkie and welcome to Legal Beagles I am going to move your post to a forum where it will get more response, save you type it all out again

    Comment

    • #3
      Re: Hi there all of you good people. I am new on the forum and do need your help.

      You can add a statement certainly, just be sure not to contradict anything you have stated in the statement proper.

      Have you ever requested a copy of the agreement for this card? (CCA Request)?
      Did you receive a " notice of assignment" from Lowell or the " previous owner" of the debt?

      Don't be tempted to make offers of payments in the future!!!
      • 1 thank

      Comment

      • #4
        Re: Hi there all of you good people. I am new on the forum and do need your help.

        No, i have not requested the CCA.....for the card.

        I have never received " notice of assignment" from Lowell or the " previous owner" of the debt?
        • 1 thank

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        • #5
          Re: Hi there all of you good people. I am new on the forum and do need your help.

          OK A CCA Request to Lowell £1 statutory fee payable (postal order for £1 marked clearly " for statutory fee only" Lowell have 12 + " working days to supply the agreement or a fully compliant " reconstituted" one.
          Check out your credit reference files for this alleged debt Noddle from Call Credit is Free.

          There is a template in the forum library for the request.

          When did payments actually stop?

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