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Lowell Portfolio
andy_welsh101
Posts: 18 Forumite
Hi All
I had a credit card from egg in 2005 and when my now ex partner moved in with her 2 kids i could not live on what i was earning and needed a little help with things so she asked my to get a card for her to help out till she went back to work as she could not get credit at the time.( me daft) and in 2008 we split up and i could not afford to pay this card back so i went to citizens advice and they made me a plan and contacted egg to see if they would except the offer but they said no. so me been me i was not going to pay 4000 for a dept i never used as it was for her and her kids car and so on. ( yes again very daft) so i just stoped paying as they would not help me. and i have moved house about two times since then and now they found me 2011/12 I am getting letter first from Lowell Portfolio and now Red dept collection. i have not phoned them or sent any letters as of yet as i would like some advice as i have two kids of my own now and still cant aford to pay. the letter i have just had off REd says there going to pass this onto Hamptons Legal ?
Thanks for your Help
Andy
I had a credit card from egg in 2005 and when my now ex partner moved in with her 2 kids i could not live on what i was earning and needed a little help with things so she asked my to get a card for her to help out till she went back to work as she could not get credit at the time.( me daft) and in 2008 we split up and i could not afford to pay this card back so i went to citizens advice and they made me a plan and contacted egg to see if they would except the offer but they said no. so me been me i was not going to pay 4000 for a dept i never used as it was for her and her kids car and so on. ( yes again very daft) so i just stoped paying as they would not help me. and i have moved house about two times since then and now they found me 2011/12 I am getting letter first from Lowell Portfolio and now Red dept collection. i have not phoned them or sent any letters as of yet as i would like some advice as i have two kids of my own now and still cant aford to pay. the letter i have just had off REd says there going to pass this onto Hamptons Legal ?
Thanks for your Help
Andy
0
Comments
-
Hamptons legal are just yet another trading name of Loweell and red debt collection. Can you remember when you last made a payment on the card because if it was more than 6 years ago then the debt is now statute barred and although they can ask you to pay they cannot enfore this through the courts etc.
There is a statute barred letter on here that you can use. Put everything in writing to them and do not acknowledge the debt.
Dave0 -
Problem in 2008 he went to the CAB and they offered for him to make payment via a plan, although egg turned it down.Don't put your trust into an Experian score - it is not a number any bank will ever use & it is generally a waste of money to purchase it. They are also selling you insurance you dont need.0
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