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Bryan Carter vs. Lowell
foxyroxy21
Posts: 3 Newbie
IM IN NEED OF SOME MAJOR ADVICE
I went through a period in my life where I thought it'd be good to get a credit card. Made a number of payments but then had issues at home, forgot about my credit card payments & ignored this. My own fault, I know.
Anyway, the account balance was £491.
This was then passed onto Lowell which was then passed on to Bryan Carter where the outstanding balance, after receiving court papers, was upped to £681. After sending court papers, it panicked me & I sent in details of my incoming & outgoing money and offered to pay £25 a month. Have been doing this for a number of months now.
Having checked my credit report though, it still shows at Lowell Financial and the outstanding balance hasn't gone down since payments began to be made. I check this on a regular basis but over the past few months, the balance has not gone down.
Now, my question is: should I be paying Bryan Carter or should I be making payments to Lowell?! I don't want to continue making payments to the wrong company! Need to get this sorted & want to look at getting the balance cleared.
Any advice would be greatly appreciated, thank you!
I went through a period in my life where I thought it'd be good to get a credit card. Made a number of payments but then had issues at home, forgot about my credit card payments & ignored this. My own fault, I know.
Anyway, the account balance was £491.
This was then passed onto Lowell which was then passed on to Bryan Carter where the outstanding balance, after receiving court papers, was upped to £681. After sending court papers, it panicked me & I sent in details of my incoming & outgoing money and offered to pay £25 a month. Have been doing this for a number of months now.
Having checked my credit report though, it still shows at Lowell Financial and the outstanding balance hasn't gone down since payments began to be made. I check this on a regular basis but over the past few months, the balance has not gone down.
Now, my question is: should I be paying Bryan Carter or should I be making payments to Lowell?! I don't want to continue making payments to the wrong company! Need to get this sorted & want to look at getting the balance cleared.
Any advice would be greatly appreciated, thank you!
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Comments
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They are solicitors working for Lowells/lowlifes. As Lowells who the payments should be going through and demand your credit file balances are correct to show it reducing.Still rolling rolling rolling......
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SIGNATURE - Not part of post0 -
Lowell have many different "trading names", Brian Carter are there tame solicitor, so it makes little difference really.
Credit files are supposed to reflect an accurate record of how you have run your accounts, and should be updated monthly, this doesn't always happen, so a written reminder won't hurt.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
sourcrates wrote: »so a written reminder won't hurt.
Ok, so would I just send this to Lowell?
And would it be best via email or recorded delivery on a letter?!0 -
foxyroxy21 wrote: »Ok, so would I just send this to Lowell?
And would it be best via email or recorded delivery on a letter?!
Good old fashioned snail mail to Lowell.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
Include a CCA request as well.
That is a document they have to have from the credit card form to collect the debt.
If they dont, you do not have to pay.I do Contracts, all day every day.0 -
Marktheshark wrote: »Include a CCA request as well.
That is a document they have to have from the credit card form to collect the debt.
If they dont, you do not have to pay.
Does this count if I've already started paying the debt back?0 -
Marktheshark wrote: »That is a document they have to have from the credit card form to collect the debt.
If they dont, you do not have to pay.
They dont need it to 'collect' the debt. That is a myth propagated a few years ago by the dimmer types on CAG and a few other places.
They may need it to enforce the debt in court in some circumstances
* IF the debt is pre-2007 AND they cant show on that balance of probability in another way that one would have been signed
* or they dont have the information to reconstitute one under s78 request
Even then they can still collect. they can still ask you to pay.Still rolling rolling rolling...... <
SIGNATURE - Not part of post0 -
did you receive a CCJ or did not receive one due to agreeing a repayment plan?By gambling we lose both our time and treasure:
two things most precious to the life of man.
Original Debt total £28591.50 :mad:
Current Debt total £24646.80 :T0 -
It sounds like there is already a ccj on this so a bit late for cca arguments0
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