IMO there are decent staff but they are rarities Seems like more and more the nasty ones are the ones you see and they don't care about ahh laws or sense of proffessionalism I do appreciate DWP staff who are on this or any site whom are willing and trying to help so thank-you

Your life and family come first - well before the needs of Lowell. Do not enter any discussion at this stage and certainly do NOT phone them. This is a standard threatogram. Can you give us more history? When was the card taken out and when did you stop paying? Have you paid anything during that time or have you acknowledged in writing whilst in default that you accept responsibility for the debt? Personally I would wait for now and see what happens next. Most probably there will be a series of further letters, maybe offering a discount, but I would still hold off until you get a Letter Before Claim. That is the time to CCA Lowell to see whether they are even able to enforce the debt.

When did you take out this Cap1 account originally ? When did you stop paying it ? Do you have other debts ? What is the total of the debts you have ? Do you have a debt management arrangement to pay other debts ? Lowell don't normally issue court claims themselves. It gets farmed out to legal debt collection firms who write out to people before issuing claims. Can you answer the above and we might be able to offer some advice.

It is likely that you will not get a response from either the court or from Marston Group given that you are not the person named on the warrant. A statutory declaration is possible but firstly you will need to establish the reason why your daughter did not know about the court fine. Regrettably, I have been receiving quite a few enquiries recently where the magistrates refused to allow a statutory declaration. Unfortunately, many people consider that if they had not received a summons that this is sufficient grounds in which to submit a Statutory Declaration and that if accepted, the fine will be cancelled and with it...bailiff fees. In fact, a statutory declaration may only be accepted in cases where the individual had not known of the court fine. In such cases, the individual has just 21 days from the date of finding out about the fine to approach the court for an appointment. Did your daughter receive any of the following documents: The summons A Notice of Fine /Collection Order from the court outlining the amount of the fine imposed A Further Steps Notice (this is the final document from the court advising that a warrant would be issued if payment is not received) A Notice of Enforcement from Marston Group. As your daughter has two court fines, Marston Group would have had to issue two Notices of Enforcement. One for each fine.

I very much doubt the bailiffs are collecting both fines together they will probably be dealt with separately There is indeed forced entry for court fines Sounds like letters been ignored until now

if Plink have it you can bet your bottom dollar the balance is 90% PPI or all manner of £12 penalty charges all can be reclaimed and we'll help doing that.

For a SAR or a CCA request just click on the links (words) or look in the library top left in green and it will take you to the templates. You really should get a copy of your credit file and see what is going on. Try Noddle its free for life https://www.noddle.co.uk/ Link have a habit of messing people around. Don't call them if they call you say in writing only then hang up. If you have a smart phone then block the number..

Hello and welcome to CAG. Firstly, EVERYTHING must be done in writing ONLY. Never EVER discuss this over the phone with any of the fleecing DCA's. If you're paying by DD then cancel it, and pay by standing order, so you control what you pay, this stops them from emptying your account when they realise you know your rights. As this is a 'non-priority' debt you can reduce that amount, to a more realistic and manageable amount that YOU decide! As for I&E forms, there is NO requirement to fill these in, and especially not one from a fleecing DCA, again YOU are in control, so YOU tell them what tune they dance too. When did you take out the card with sharklaycard? Pre or post 2007? I'd be sending Link a CCA request, costs £1, if/when they fail to produce it in 12+2 (working) days you can stop payment until such time they do. If you don't have all of the statements right from the start of the account opening, then you should send sharklaycard a SAR (£10) they then have 40 calender days in which to send you ALL of the details/statements from your account, which you can then go through and find all of the charges/fees and any PPI they have levied on the account and reclaim them, reducing the total amount owed. Keep a diary of events, get all of the paperwork together, and NEVER discuss this over the phone.