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Threatening letter?
traceydc49
Posts: 92 Forumite
Hi everyone, I have received a letter from Lowell this morning which has informed me they have requested my request for my CCA. They have requested these from the original creditor Creation. They have informed me once they have them, they want full settlement of my debt, although I pay them through my DMC, can they do this? I'm worried the other creditors will follow suit. This debt is very small, but I feel very intimidated by them any advice much appreciated thanks
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Standard computer generated letter Tracy, don't be intimidated by it.
It won't take into account how you are repaying the debt at present.
Also, if they can't provide your copy agreement, you can tell them to get stuffed !!!!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 -
Thank you sourcrates, you really are a star!!!! Tracey0
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As said, standard template response.Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB
IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed0 -
traceydc49 wrote: »Thank you sourcrates, you really are a star!!!! Tracey
Not a problem, if you have any other questions or worrys concerning your CCA requests, or replys to them, feel free to PM me, and I'll be glad to help you out.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 -
Very much appreciated, thanks again Tracey0
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All they are doing is trying to scare you off before YOU get heavy with THEM as the probably know that they have no hope of enforcing the debt. Every single threat I've had from any of these firms has been as empty as my piggy bank.0
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when was the creation debt taken out / what was is as they have not been doing it for long...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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Chanz it was taken out 2000, was an Adams shop account, they have long since closed down. The debt is actually only £40, my worry was are the other creditors going to follow suit, I'm only paying token payments to them all at mo, the other debts are a lot higher. I know everyone must b thinking just pay it off, but right now it might as well b 400, 40 is a weeks shopping right now0
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when was the creation debt taken out / what was is as they have not been doing it for long...
nice try but they have been going under one name or another from 1997traceydc49 wrote: »Chanz it was taken out 2000,
Sit tight. Fair chance they wont be able to get a CCA from then on those accountsStill rolling rolling rolling......
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