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Hi just after some advice I had a account for currys which hfc bank were the loan provider this was opened on September 2007 lowell then brought the debt from hfc/HSBC IV put HSBC as this is the only bit of proof they have provided which as my account number and a new reference number which is lowell basically stateing they have sold the debt to them October 2013
iv had numerous letters from lowell to which I have not in any way contacted them they are now offering me 70% of my balance to pay in full settlement
my questions are
do I have to pay given length of time this debt was opened
can I get more of the settlement figure
do they have any power to enforce ccj bailiffs etc
also this debt is in a previous surname
I changed back to my original surname in 2010 which I'm still using to date
any help of what to do is gratefully appreciated
cactus
iv had numerous letters from lowell to which I have not in any way contacted them they are now offering me 70% of my balance to pay in full settlement
my questions are
do I have to pay given length of time this debt was opened
can I get more of the settlement figure
do they have any power to enforce ccj bailiffs etc
also this debt is in a previous surname
I changed back to my original surname in 2010 which I'm still using to date
any help of what to do is gratefully appreciated
cactus
