Thanks again. Will fire off the SAR to the OC. Kit.

Thank you all for the advice so far with regard to my Lowell predicament.I will SAR and CCA them. Do I send the SAR request to Lowell or the OC.? Regarding my own unemployment at the moment, how long is Lowell likely to accept £1 per month. I did read on another site that DCA's can get hacked off with us debtors and issue court papers to get it into court.

Hi. ...no I had no arrangement to pay. I spoke to them when they first started calling in late Jan and told them my circumstances. ..they refused the £1 and carried on sending letters asking me to pay the whole amount or asking me to call them. ..went silent for a few months and now the debt has been bought by Lowell Financial.. .and now they wish to converse with me via the 'electric telephone'.. ...just need to know how to proceed. ..is it best to now write to Lowell with PO for a £1 and carry on paying?

yes thats right.. ..I have not checked my file since May as credit expert has locked me out. .and Noddle can't verify that I exist I see what you mean.. .even though Lowell say they have bought the debt.. .it may be a lie. ..or is yet to be registered on my file ..in either case I am worried about Stat Demand when they get my letter offering a £1 a month until I get back on my feet.

its registered as a default in March 2012.. .its very frustrating I was paying £175 per month minimum payment for over 5 years and had not used it as the balance was over 5k. ...no probs when I was in a good job. ..as it was high interest. .originally a shell Visa I signed up to at a petrol Station in 2003.. .but morphed into an OPUS card with a very high interest and the balance never came down. ....I stopped paying in December 11. Kit.

Hi All, I have had a letter from Lowell Financial informing me they have BOUGHT the CC Debt from my original CC. The CC did write to me last week informing me they had done this and bizarrely also included a letter from Lowell on their letterhead that this was the case. Where do I go from here ...I assume they the OCC have done everything right. Or do I write to them asking for some other actual proof of assignment. ..obviously Lowell are sounding very approachable and want me to call their 0844 number to come to an 'arrangement' that is affordable. ..I am unemployed at the moment so skint.... PS...I am also dealing with Link on another debt of which I have posted on this excellent site. Hope somebody can advise.....Kit.

Thanks DX. Just tried Noddle and it cant verify me.Even though I have been at the same address and on the ER for the past 15 years...but thank you anyway DX. Regards, chrisofe

Much thanks CitizenB and up2meears, CitizenB - I will take your advice and look into this today.Your right, it is impossible to second guess. up2meears - Thank you for your advice. Yes the DCA's are all scumbags who will try and say anything to get us to payup what we cannot afford...I have no intention of EVER speaking to them on the phone. It's just so infuriating the way a person is treated...once your no longer able to pay because of circumstances beyond your control.

Thanks DX and Citizen B, The card was taken out in 2007 as a balance transfer. I never actually used it to purchase anything. The amount transferred was around £10.5k at the time: and the intention was to get it down.. .by paying above minimum payments and taking advantage of the first 18 months 0% etc all was going well and I carried on paying £170 per month. .but after the first year or two.. .hey presto the interest is increased on the balance so as a consequence I was being ripped off by stealth. ..in otherwords, blindly paying the monthly payment but in reality the amount was not really going down. .you don't realize this when your in a decent job earning good money. Its only when you end up jobless and in the proverbial that one starts to wake up to the fact that I have been basically mugged by the CC interest rates. I had to stop the payments in Dec 2011 until then I was paying every month on the nose like a good drone..until the cash ran out. So a SAR request needs to be requested ASAP before MBNA destroy the data,because they have sold/passed it to Link ?? Also.. as I am unemployed would Link take a ruthless approach and issue court papers and get me into court rather than mess about with £1 a month (which at the moment is all I could afford) from what I have gleaned so far they(Link) could just kick off and say my offer is simply too small. A county court judge may allow Link to force me into a corner with the threat of a charging order etc. ..I have read that the CC Judges can be a little 'biased' in favour of the financial institutions. Once again,many thanks for advice given.This is a wonderful site

Hi All, Can anyone advise me on what to expect initially from Link Financial ...I am still waiting for a letter from them after my MBNA CC debt was assigned to them. MBNA wrote to me on 8th August informing me they were no longer dealing with my account and I would hear from Link in due course.. .will they go straight to serving court papers for a CCJ or will they start with just a letter(s) demanding payment. I lost my job in January and could no longer pay anything. .wrote to MBNA informing them and heard nothing until end of march. I offered £1 per month and they wrote back asking me to fill in an income and expenditure. At first I refused and after a second letter I filled one in but heard nothing back. There is no PPI on the account and the balance is just shy of £6,700. Any advise would be great. I have read bad things about Link and want to just be prepared. I am happy to pay something but I want to arm myself with as much info as I can. Thanks all in advance.