Tweet
Hello- I’m really hoping someone can advise me on this
in 2010 when I seperated from my husband I was left with debts I simply couldn’t pay and set up a debt management plan .
By 2018 all but an outstanding loan and seperate overdraft with Lloyds TSB had been paid off , however during the whole time I was on the DMP Lloyds and their subsequent DCA,s hounded me mercilessly to get me to pay the full balance owed , it was very stressful as I was never in the position to do so .
In Jan 2018 I made my last payment via the DMP and contacted Robinson Way who had aquired the debt and asked to set up a payment plan which was refused
Shortly afterwards my little girl was diagnosed with bone cancer and everything else was forgotten for 18 months while we lived in hospital and went through treatments and major surgeries , during which time I also had to move house
In 2020 I sat down and sent a CCA to Hoist finance who had now aquired the debt and in early 2021 received a letter from them confirming that as they were unable to provide this , the account was marked unenforceable and was closed
I assumed that was the end of the matter but in Jan this year I started getting letters from Lowell saying they had taken over the debt and they wanted full settlement .
Since then I’m getting two letters a week , daily phone calls and texts and I’m really not sure how to proceed .
Im currently my daughters carer and live on a low income .
My understanding is that if the debt is marked unenforceable Would Lowell have been passed this information or do I need to resend a CCA request ?
I did call them without accepting liability and asked why they were contacting me as A CCA request had been made with hoist and hadn’t been provided .
They wrote afterwards informing me that I was liable for the date , still using my old married name and said that
I’d opened the account in 1987under my married name with an outstanding amount of £1000- in 1987 I was 15 ! I opened the bank account at 15 as a basic teen account in my maiden name
They also said that I’d opened the account at my previous address , again not correct
I didn’t acknowledge the letter but the constant harassment is making me ill - where do I go from here ? A prove it letter or another CCA request ?
I would add it’s £2000 in total and if I had it I’d pay it but I currently have a very minimal income and am only just getting by
in 2010 when I seperated from my husband I was left with debts I simply couldn’t pay and set up a debt management plan .
By 2018 all but an outstanding loan and seperate overdraft with Lloyds TSB had been paid off , however during the whole time I was on the DMP Lloyds and their subsequent DCA,s hounded me mercilessly to get me to pay the full balance owed , it was very stressful as I was never in the position to do so .
In Jan 2018 I made my last payment via the DMP and contacted Robinson Way who had aquired the debt and asked to set up a payment plan which was refused
Shortly afterwards my little girl was diagnosed with bone cancer and everything else was forgotten for 18 months while we lived in hospital and went through treatments and major surgeries , during which time I also had to move house
In 2020 I sat down and sent a CCA to Hoist finance who had now aquired the debt and in early 2021 received a letter from them confirming that as they were unable to provide this , the account was marked unenforceable and was closed
I assumed that was the end of the matter but in Jan this year I started getting letters from Lowell saying they had taken over the debt and they wanted full settlement .
Since then I’m getting two letters a week , daily phone calls and texts and I’m really not sure how to proceed .
Im currently my daughters carer and live on a low income .
My understanding is that if the debt is marked unenforceable Would Lowell have been passed this information or do I need to resend a CCA request ?
I did call them without accepting liability and asked why they were contacting me as A CCA request had been made with hoist and hadn’t been provided .
They wrote afterwards informing me that I was liable for the date , still using my old married name and said that
I’d opened the account in 1987under my married name with an outstanding amount of £1000- in 1987 I was 15 ! I opened the bank account at 15 as a basic teen account in my maiden name
They also said that I’d opened the account at my previous address , again not correct
I didn’t acknowledge the letter but the constant harassment is making me ill - where do I go from here ? A prove it letter or another CCA request ?
I would add it’s £2000 in total and if I had it I’d pay it but I currently have a very minimal income and am only just getting by
Comment