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Help! Being chased for old credit card debt

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  • #1

    Help! Being chased for old credit card debt

    I am currently unemployed after my part time job ended, and I have only just claimed benefits. I therefore have no assets or earning to be able to pay anyone anything at all. Today out of the blue I get a letter about an old disputed CC debt, the letter is from Lowells and they are saying they've bought the debt from bank of Scotland.

    The bank of scotland letter came in the same envelope as the statement. The BOS letter was printed on lowell's office printer, the envelope has a different return address PO Box 189 and letters all have different addresses. So I'm a bit confused whether the bank has written to me or is it just the DCA. So has the debt now been sold on and the dca own it in full? Does this mean they will take me to court?
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  • #2
    Re: Help! Being chased for old credit card debt

    Help is coming soon on here be patient,from my own experience this is the start of a long line of threatograms I never respond whether you do is your decision in my case they wont tale me to court cos I have nothing>hang in there don't worry youll get help and advice on here
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    • #3
      Re: Help! Being chased for old credit card debt

      Thank you. I have had a number of DCA persuing me for this but I've only been able to secure part time temporary work. Anyway, this has been desputed by sending template letters and they passed it on, but now more concerned that it's been sold and the bank may no longer be the creditors. I'm terrified by the prospect of a ccj, and them taking my wages once i find work again. I'm worried!
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      • #4
        Re: Help! Being chased for old credit card debt

        I am not the best one to advise you but the main thing is don't worry Sleep well tonight its not worth losing sleep over this
        • 1 thank

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        • #5
          Re: Help! Being chased for old credit card debt

          Hiya Spike

          On what grounds was the credit card disputed? Did you ever send a s.78 request to Bank of Scotland?
          "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

          I am proud to have co-founded LegalBeagles in 2007

          If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
          If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
          • 2 likes

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          • #6
            Re: Help! Being chased for old credit card debt

            Spike Celestine is one of the best
            • 5 likes

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            • #7
              Re: Help! Being chased for old credit card debt



              ....
              "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

              I am proud to have co-founded LegalBeagles in 2007

              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
              If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
              • 2 likes

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              • #8
                Re: Help! Being chased for old credit card debt

                I originally sent a cca request letter 5 years ago and heard nothing and left it at that. They were in serious default of this. They then sent a big application form, and lots of statements going back to 2005. Anyway, I did receive what looked to be a credit agreement a few years ago but it was illegible. I just kept sending letters saying it was in dispute so return to oc (all template letters) so 5 years on is the DCA the creditor now? What's my next step?
                • 2 likes

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                • #9
                  Re: Help! Being chased for old credit card debt

                  Yes, Lowell are a Debt Purchaser and are now your creditor. They have bought it as part of a bulk package of debts from BOS. The letters you received are the assignment notices. They probably paid between 5-20% of the debts actual value. BOS have now written off your debt....against tax

                  Do you, by any chance have a copy of your original s.78 request?

                  Can you scan an anonymised copy of the agreement up for us to check for enforceability.

                  What year did you open the account? Do you own your own home? When did you last make a payment toward the debt?

                  Sorry for all the Q's but it will help me predict what Lowell will do next.:tinysmile_kiss_t4:
                  "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

                  I am proud to have co-founded LegalBeagles in 2007

                  If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
                  If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
                  • 2 likes

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                  • #10
                    Re: Help! Being chased for old credit card debt

                    I'll try to find the copy and upload it. I live with parents in rented accommodation, I opened the account at the end of 2005 last payment was made in Aug 2008. Should I expect to receive a series of standard letters now? What do you predict they'll do?
                    • 2 likes

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                    • #11
                      Re: Help! Being chased for old credit card debt

                      OK, they will probably just send you LOTS of annoying and threatening letters. Its all just spewed out by a computer. File them away carefully.
                      Given that you are not a homeowner, they probably wont bother risking any legal action against you, but don't take that as 100% certain. They're a pretty ruthless outfit and they often act illogically. They issued three statutory demands against a client of mine for the SAME debt!

                      How much is the debt btw?

                      OK, so a year to go before the debt becomes time barred under the Limitation Act 1980 (unless you live in Scotland where its 5 yrs)

                      I'll predict Lowell will send you in excess of 50 letters threatening attachment of earnings, CCJ etc etc. But filing a court claim costs them money and fees. So they only usually proceed that far if they know they have a nice fixed target, like a house.

                      I'll be able to advise how to respond to them once I've seen a copy of the documents you received in response to your s.78 request, because that brings the whole issue of enforceability into play.
                      "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

                      I am proud to have co-founded LegalBeagles in 2007

                      If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
                      If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
                      • 3 likes

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                      • #12
                        Re: Help! Being chased for old credit card debt

                        [IMG][/IMG]
                        • 2 likes

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                        • #13
                          Re: Help! Being chased for old credit card debt

                          Sorry that's the best I can do for now, it was saved on my pen drive, it's a poor copy sent from the bank. I'll find the letter and rescan it.

                          The amount is under 2k. How would they know if I was a house owner or not? Also wouldn't I have to pay all the costs if it went to court?

                          I really appreciate your time in responding, thanks for oyur help. I'll try to find the agreement tomorrow and upload a copy, but as i said it's fairly illegible.

                          Thanks again!
                          • 2 likes

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                          • #14
                            Re: Help! Being chased for old credit card debt

                            Found it despite the broken link

                            Yes, that looks very illegible.

                            Have a read of this great article on s.78 enforceability and legibility.
                            http://paulatwatsonssolicitors.wordp...er-credit-act/
                            "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

                            I am proud to have co-founded LegalBeagles in 2007

                            If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
                            If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
                            • 3 likes

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                            • #15
                              Re: Help! Being chased for old credit card debt

                              They will be checking your credit reference file to find out if you own property etc. As the debt is so low, I seriously doubt they will do anything, so personally I would ignore them for now but keep the letters safely filed in case.

                              Was that the only document you got in response to your s.78. You mentioned a 'big application form' earlier?
                              "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

                              I am proud to have co-founded LegalBeagles in 2007

                              If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page
                              If you wish to book an appointment with me to discuss your credit agreement, please email kate@legalbeaglesgroup. com
                              • 3 likes

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