Thanks Andy

Thanks for your help dx it is much appreciated.

ok sorry yeah will do. I have trouble retaining info. Thanks again.

Sorry for being a bit stupid, so do I send SAR to HSBC not capquest? Thanks x

Ok thanks, that makes me feel a little better I have just had a thought, anything I send to them (going to post out letters recorded on Friday) if I sign them, I can sign them in my maiden name as I have changed names and send them a copy of my marriage cert, decree absolute and birth cert to verify me, do you think this is ok. Many thanks

Yes I will do, can I just say it is a care of address, what I don't want is if I was to get a CCJ for it to be linked to their address. thanks

With parents sadly as a temp measure, don't want any "bad debt" moving there with me though It is only temporary though. I will be redirecting my post, so maybe just leave it as where i am?

will be out of current address by end june

possibly merged, how would i know as I have never heard from them? yes now a capquest account.

Also, sorry to be a pain, but I will be moving from my current address soon, can I provide them with a care of address?

HSBC wrote to me on 02/05/17 to say they have sold it on - when i have read the letter from capquest, it says that they took over from 28/04/17. hmmm

Ok just got the letter out from HSBC and it is telling me that the account has been sold on to Capquest. So the SAR goes to them or do I wait for them to be in touch as they haven't yet. Scratch that yes they have, they wrote out the same day as HSBC did!

Thank you for this, much appreciated. I have done MCOL. I am now printing off the CCA and CPR 31.14 to send.

Thanks for that dx. I knew I had asked here about it at the time and did start action. but got nowhere with them.

Just realise I said Shop Direct and it is JD Williams, I thought it was shop direct.

Will do, I am getting the letter together now - the thing is, they didnt respond last time, well they said they sent my info to a local branch and when i went to collect it, it wasn;t there! I can't pursue this now as it was years ago I was originally going to go after bank charges as when I looked it up i had racked up about 6ks worth! No wonder they didn't respond eh, thing is had health probs and divorce in this time so never got back on top of things, Thanks for your help.

Name of the Claimant ? Lowell Portfolio I Ltd Date of issue – 19 May 2017 What is the claim for – the reason they have issued the claim? Particulares of Claim: 1) the defendant entered into a Consumer Credit Act 1974 regulated with JD Williams under account reference XXXXXX (‘the Agreement) 2) The defendant failed to maintain the required payments and a default notice was served and not complied with 3) The Agreement was later assigned to the Claimant on 31/03/2014 and notice given to the defendant 4) Despite repeated requests for payment, the sum of £846.65 remains due and outstanding And the Claimant claims a) The said sum of £846.65 b) Interestpursuant to s69 County Courts Act 1984 at the rate of 8% per annum from the date of assignment to the date of issue, accruing at a daily rate of £0.186, but limited to one year, being £67.73 c) Costs What is the value of the claim? £1044.38 Is the claim for a current (Overdraft) or credit card /loan or catalogue or mobile phone account? Catalogue When did you enter into the original agreement before or after 2007? 06/11/2011 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DCA Were you aware the account had been assigned – did you receive a Notice of Assignment? Don’t remember notice of assignment Did you receive a Default Notice from the original creditor? Can’t remember Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? No Why did you cease payments? Payment difficulties – asked for credit agreement etc and either no response or they sent me minimal info – was some time ago (over 4 years) What was the date of your last payment? Probably 2013 Was there a dispute with the original creditor that remains unresolved? Yes Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan ? yes

Hi all, I have recently been in contact with HSBC (don't bank with them now) about information I requested a long time ago and never received, they came back and just said tough. I think I have opened a can of worms because since I asked this they have sent me a letter saying that I owe them £4574. I was shocked to say the least. I had no idea where this had come from. I have just checked equifax and it states: Default : May 2014 Default / Delinquent balance: £1204 Current Balance £4574 They updated this on 17/05/17 Again, I have no idea why this is so high... .they have never been in touch with me regarding this, until couple of weeks ago and I was just shocked, I read it and filed it as I could not get my head round it. I have asked them to look into fees I paid for a bank account, I think this has rattled them so they are now chasing me for money. Any ideas as to what I should do? Thanks

Hello, I have this morning received a Claim Form, it is from Lowells. i am confused, I am pretty sure I took this up with Shop Direct at the time and asked for documents etc but to no avail. This account was defaulted on 29/10/2013 and has been with lowell for a while. They have tried to ask me for the money back but I did not respond. The debt on the letter from solicitors 2 weeks ago states i owed 846.65 but this claim form says 914.38 then fees on top of that bringing it to 1044.38. My question is, do I fight this or do I offer them some payment scheme if they will allow at this point as I have had no communication with them. Any help would be greatly appreciated.

Sorted the address thanks. all sent off. I double checked what I had put on there as per advice, and am pretty sure it is correct. I am sure they will let us know if there is an error as I presume they will still do their own calculation Thanks again for all your help Oh, they don't do internet, but have said they will give me a little "something" for my help, which in turn I will donate

Hi, thank you for all the help, I have worked everything out and used the calculator so I am now just going to draft a letter to ask for refund, can anyone tell me which address to post it to please? Have had a look and can't find the right one? Many thanks

That's what I put eg 21/08/2001 48.17 21/09/2001 48.17 and so on until 2011 And thank you will take a look. Thanks so much Dx

have I done this right then, the first spreadsheet, I have gone from the date first premium paid (21/08/2001) and the amount of that upto and including final payment (21/07/2011) ? I don't want to get this wrong as by the looks of it, they are owed quite a bit! Thanks for all your help ALso, just another question, he also got a personal loan and instead of a monthly premium, his insurance was added to the loan total.. .including charge for credit for taking the insurance! I presume as also missold, that this can be claimed back? He was charged Insurance of 829.83 and then charged 142.53 for the privilege! and this was all added to the loan, so a £5k loan turned into a £6831.36 loan - of which only 859 was actually the interested on the 5k, hope I have made sense! So in effect he was charge more in insurance than he was in charges for the loan itself.

Thank you, will have a look at that tonight

Great, thank you citizen and thank you rebel. Is there a template I can use or just write a letter? I am not sure he would just phone them Thanks