Thank you

I didn’t type the whole bit out as I thought it was a given that I understood the how, why and what after the clarification you gave me last week. .. you said give them 14 days and if they do nothing go to ICO as will be stated in accompanying letter.. . I meant sit back and do nothing with regard to the fact that the cheque reinforces that their purchased ‘debt’ is worth less than nothing

So, just send them the default as advised before, say nothing about the ‘compensation’ and then sit back and do nothing?

Sending the default notice on your advice above because OC defaulted the account on 02/04/14 (which doesn’t appear on credit report) and then Lowells defaulted it on 14/01/16 which is the day they bought the ‘debt’ (this appears on the credit report). Not sure what to do now... We will bank the cheque

We received a refund cheque from N Brown Group today, along with a letter stating it is because they have recently completed an internal review with the FCA and concluded the PPP insurance sold ‘contained flaws’. The amount is £426.19; worked out as premiums £219.19, and interest £207.00); Lowells are trying to claim £984.16 as an alleged debt... (the rest is the charges and interest we tried to claim back). How does this affect the default on the account (if it does), and where do we go from here? I haven’t yet send the default notice. Mum is too scared to bank the cheque! Thanks in advance

Just so I am sure, we send Lowells a copy of the original default notice? Sorry if I am being stupid, this all feels like walking through a maze.

I will, thank you

I didn’t know that, thank you. So, as the default date has changed, what action, if any, should we take?

The original default was 02/04/14 and there is no trace of it on the credit report. The Lowell one is on the credit report and states that it entered default on 14/01/16 which was the day they bought the debt from JDW according to their “Hello, we now own your soul so be afraid” threatogram. JDW/AW have refused to do anything about the unfair charges/interest, and the amount they allege we owe is made up of that so we are at stalemate. I am not sure what I have misread or misunderstood...

Found it. Lowell put it into default the day they purchased the debt from JDW.

LENDER Lowell UPDATED 18/05/2018 STATUS Default Date of default 14/01/2016

Resurrecting a zombie thread: I checked mum’s credit report and Lowell’s have this listed on there as a default... can or should I try and get this removed? Thanks

We did... today they offered us a discount... we only have to pay £500 odd to make it go away

They have sent a threatogram today stating that, as they cannot contact us, they will be sending the account to their collections department or one of their approved debt collection agencies who will be instructed to contact us to discuss the debt and seek to recover the outstanding balance through the appropriate means. .. and that they can offer a 30% discount if we contact them... ��

They've written - we're still radio silent

They started calling again today... they are blocked but for some reason the number does show up on the hall phone even though it doesn't ring

Thanks dx; we will wait and see what crawls out from under the rock next

Hi Dx, thank you. So should I rattle JDW's cage again or just go radio silent completely?

I said that to mum. Do I need to respond or just ignore them? Also, if JDW sold the debt to L, why should I go back to them about anything???

Thank you for your recent correspondence. We understand that you dispute the balance and believe that the interest charges applied by JD Williams are unjust. However, we must advise that upon signing your contract with JD Williams, you consequently agree to the Terms and Conditions of the account wherein it states that customers must maintain regular, minimum payments in order to avoid charges. In the event that the customer does not pay the minimum amount required by JD Williams, interest is applied. No further interest or charges will be applied to this debt while it remains in our possession, unless the matter escalates to litigation. We would like to advise you that any claim, dispute or complaint in relation [to] Payment Protection Insurance (PPI) needs to be queried with the original creditor JD Williams. Should you wish to settle this account in a one-off payment, we are able to offer a 15% discount on the outstanding balance, enabling you to clear this debt with a payment of £836.54. If you do not wish to take advantage of this offer, please provide us with your own offer of settlement for our review. Alternatively, please contact one of our experienced advisors on xxxx xxx xxxx to organise a weekly, fortnightly or monthly repayment plan on this debt. Please note that the offer of discount will not apply if you establish an instalment arrangement on this account. We trust this now resolves your query and look forward to hearing from you to discuss repayment. We will cease any collections activity for a period of 30 days to receive your response and provide time for you to contact JD Williams regarding your PPI claim. Please respond within the timeframe provided to avoid any additional collections activity taking place. We hope this clarifies the situation and look forward to hearing from you.

Thank you

Hi Does this sound okay: I do not acknowledge any debt that might exist to you or any of your group of companies Dear XXX Re: Lowell Reference Number xxxxxxxxxxx I am in receipt of your letter dated the 4th February 2016 with regard to the above. The content of which is duly noted. The above amount balance entirely consists of Unlawful penalty charges, unknown and unwanted PPI and their associated interest. I enclose relevant spreadsheets for further clarification regarding this. I will therefore will not be contacting you to arrange any payments. Should you wish to progress this further, I politely suggest you approach the original creditor should you progress this toward a court claim, I shall vigorously defend the claim with regard to the above. Yours sincerely

I have all the paperwork for this and there is no CCA or PPI agreement in existence. They can create what they want but I know there is nothing signed Thanks for your help, it is, as always, much appreciated

Should I still ask for the CCA or just send them the letters and spreadsheets while trying not to laugh?

CISheet v101.xls This is the up-to-date penalty charges spreadsheet 18/02/11 - Purchase Protection Plus = £0.00 16/03/11 - Purchase Protection Plus = £0.00 13/04/11 - Purchase Protection Plus = £0.00 03/08/11 - Purchase Protection Plus = £3.92 31/08/11 - Purchase Protection Plus = £5.55 28/09/11 - Purchase Protection Plus = £5.45 26/10/11 - Purchase Protection Plus = £3.25 23/11/11 - Purchase Protection Plus = £4.12 19/12/11 - Purchase Protection Plus = £5.43 18/01/12 - Purchase Protection Plus = £11.13 15/02/12 - Purchase Protection Plus = £8.62 11/04/12 - Purchase Protection Plus = £7.63 09/05/12 - Purchase Protection Plus = £9.71 06/06/12 - Purchase Protection Plus = £9.91 04/07/12 - Purchase Protection Plus = £9.03 01/08/12 - Purchase Protection Plus = £8.90 29/08/12 - Purchase Protection Plus = £8.76 26/09/12 - Purchase Protection Plus = £8.61 24/10/12 - Purchase Protection Plus = £8.46 21/11/12 - Purchase Protection Plus = £8.30 18/12/12 - Purchase Protection Plus = £8.88 16/01/13 - Purchase Protection Plus = £9.49 13/02/13 - Purchase Protection Plus = £9.03 14/03/13 - Purchase Protection Plus = £7.75 10/04/13 - Purchase Protection Plus = £9.18 13/03/13 - Purchase Protection Plus = £9.65 08/05/13 - Purchase Protection Plus = £9.60 06/06/13 - Purchase Protection Plus = £10.65 04/07/13 - Purchase Protection Plus = £11.13 Full amount JDW say owing is £984.16