H,
I contacted you at the end of last year re this debt and you advised to send a CCA letter.
I stupidly didn't send it.
My mother is terminally ill and with dealing with her illness, time has just ran away from me.
I have had to take out a small loan to buy a car to take my mum to hospital appointment
and think this could have prompted Lowell now to go with the heavy handed approach.
Two weeks ago I got a letter from BW Legal saying that they have now taken this debt over,
there are two different Lowell account numbers added together on to one BW Legal account number.
Then last week I received a letter from Walker Love
saying the were visiting my property on 1st April to serve a legal document.
The day after receiving this letter I sent the CCA to BW Legal recorded delivery,
they have until Monday 14th to reply and then I know I can sent a Failed CCA request if no contact made.
I have taken a print of the receiving signature from recorded delivery also.
Today Walker Love knocked my door, I didn't answer.
I then watched him go into neighbours gardens either side of my property
to see why the could not get in through my back gate (It's locked).
I was in a cold sweat that my neighbours would go out to him as he was right up to their doors.
I got a note through my front door asking me to contact them.
I was trying to put off accepting the papers until the 14 days had elapsed
but don't want Walker Love prowling round my home again
and through other threads see that Walker Love can act on behalf of Lowell/BW Legal
and accepting the papers can be just another threat from them.
Can you please advise me how to proceed. I have enough worry just now with my mum.
P.S. this originally was a debt with the Bank of Scotland for a loan and credit card.
I was a single mum with 3 kids and paying the minimal amount every month
and every month they upped my limit.
This debt will drop of my credit file next September with the bank.
Thanks.