CCJ Application/BW Legal/British Credit Trust

[Berniethebolt]

Re: CCJ Application/BW Legal/British Credit Trust

I am sure FP will agree, you are not being a pain at all

[FlamingParrot]

Re: CCJ Application/BW Legal/British Credit Trust

I am sure FP will agree, you are not being a pain at all

I do agree! :high5:

That's what we're here for, much better to ask questions than to do the wrong thing. :thumb:

[judgemental24]

Re: CCJ Application/BW Legal/British Credit Trust

I have been doing a bit of digging as to assignment issues. I cannot understand why Lowells have this. Capquest own all rights to British Credit Trust

http://www.insidermedia.com/insider/...-trust-assets/

[Berniethebolt]

Re: CCJ Application/BW Legal/British Credit Trust

Seems very odd I do agree
Either
1) It was sold prior to the purchase by Capquest in which case they shouldn't show on your credit file or
2) They sold it to lowells after their purchase of the company in which case the NOA should be from Capquest to Lowell and Capquest should show as settled on your credit file

Either way it would seem to me at first sight they are fooked but I am just an unqualified person

[Berniethebolt]

Re: CCJ Application/BW Legal/British Credit Trust

Looking at the dates, the assignment was a year before the sale to capquest so it seems that capquest have no right to record a default against you .

Is there no entry for Lowell on your credit file?

[lte69]

Re: CCJ Application/BW Legal/British Credit Trust

I have been doing a bit of digging as to assignment issues. I cannot understand why Lowells have this. Capquest own all rights to British Credit Trust

http://www.insidermedia.com/insider/...-trust-assets/

I am totally perplexed by all of it. On my credit file my balance is £3995....nothing like the amount Lowells are trying to claim.

- - - Updated - - -

Looking at the dates, the assignment was a year before the sale to capquest so it seems that capquest have no right to record a default against you .

Is there no entry for Lowell on your credit file?

Hi Bernie,

There isn't no entry from Lowells on my credit file. The account shows as "satisfied". I'm presuming this is because the debt was "bought"?

[Berniethebolt]

Re: CCJ Application/BW Legal/British Credit Trust

Hi. So there is no reference at all to lowells. Neither satisfied or otherwise?

[lte69]

Re: CCJ Application/BW Legal/British Credit Trust

Hi. So there is no reference at all to lowells. Neither satisfied or otherwise?

Hi Bernie. No there is no mention at all of Lowells. What does this actually mean??

[judgemental24]

Re: CCJ Application/BW Legal/British Credit Trust

Could it be Lowell never owned the debt and were simply trying to collect on commission??

[Berniethebolt]

Re: CCJ Application/BW Legal/British Credit Trust

Could it be Lowell never owned the debt and were simply trying to collect on commission??

If that is the case they have no right to issue a claim and would be in deep dodo

[nemesis45]

Re: CCJ Application/BW Legal/British Credit Trust

Could it be Lowell never owned the debt and were simply trying to collect on commission??

Highly unlikely.
Some of these BCT debts were in the hands of debt purchasers well before Capquests involvement.

[lte69]

Re: CCJ Application/BW Legal/British Credit Trust

Highly unlikely.
Some of these BCT debts were in the hands of debt purchasers well before Capquests involvement.

Shall I just went to hear back from the court now nem? I can't say I am looking to sitting in a court defending myself against these people. :tinysmile_cry_t:

[nemesis45]

Re: CCJ Application/BW Legal/British Credit Trust

Shall I just went to hear back from the court now nem? I can't say I am looking to sitting in a court defending myself against these people. :tinysmile_cry_t:

lte what exactly is on your credit file if anything?

nem

[lte69]

Re: CCJ Application/BW Legal/British Credit Trust

lte what exactly is on your credit file if anything?

nem

It shows as Capquest with the account showing as "satisfied". Nothing from Lowell on there related to British Credit Trust.

[nemesis45]

Re: CCJ Application/BW Legal/British Credit Trust

It shows as Capquest with the account showing as "satisfied". Nothing from Lowell on there related to British Credit Trust.

OK that clears it up I think Caquest has sold to Lowell and Lowell has failed to up date the CRA files, which agency are you checking?

nem