Lowell and bryan carter

fatbelly

I wonder if you are looking at a credit report entry by the catalogue company, and BC are acting on behalf of whoever now owns the debt, like Lowell Financial.

It is likely that you will receive a claim form, and a s78 request would be a good tactic if you can get your request in ahead of their claim form.

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=32_catalogue_debts

The s78 (cca) letter is at the end of the factsheet

Taytay

Well the debt that is showing as satisfied is the debt with lowell which is the debt bryan carter is sending the letter in reference to.
Yes i took it out online.
Whats a cca letter? Sorry for sounding dumb ive just never had anything like this before

happy_bunny_2

A copy of your credit agreement.

You need to write to them asking for a copy of the agreement as entitled under the consumer credit act. Send them a postal order or cheque for £1.

Neil_948

Taytay wrote: »

Well the debt that is showing as satisfied is the debt with lowell which is the debt bryan carter is sending the letter in reference to.
Yes i took it out online.
Whats a cca letter? Sorry for sounding dumb ive just never had anything like this before

Some companies once a debt has been sold on wash there hands of the debt so will report it to your credit file as settled when all that they have done is passed it on.

Poppops

Taytay wrote: »

Today i have recieved a letter from bryan carter saying they have issued litigation proceedings in the county court. Ive looked on my credit file and the debt they are refering to states its satisfied in the boz where it says how much i owe, what does this mean? Im not very good with things like this but if its showing as satisfied not an owing amount can he actually start these proceedings?
Thanks in advance

Your credit file will show a debt as settled sometimes if your original creditor has sold the debt on. Then one pops up from the debt collection agency

Taytay

So today i recieved a claim form which i have 14 days to respond to, or 28 if i request, even though i have recieved this can i still send a letter requesting a cca?

Neil_948

Taytay wrote: »

So today i recieved a claim form which i have 14 days to respond to, or 28 if i request, even though i have recieved this can i still send a letter requesting a cca?

Yes you can still request the cca as the debt collector has to produce this in the county court to prove you do owe the funds.

fatbelly

Acknowledge service and give yourself 28 days to see if you can chance a defence. And get your cca request in fast. Some catalogue companies were lax on credit agreements till about 2006 so there's a possibility of a s127(3) defence.

Taytay

Ok i will get one sent off tomorrow and my acknowledge service form and see what i get back

fatbelly

If it's Northampton Court, you can (and should) acknowledge service online.