Hi,
1st time post on here after reading from afar,
i had a debt sold from Egg to Lowell which i have been paying back at reduced payment every month,
i never knew balance after reading on here sent a cca request.
They sent two letters stating they have requested the request from their client and are awaiting a response.
They have sent a further letter now stating:
Dear.......
Your credit agreement
We refer to your recent request for a copy of the original credit agreement for this account.
After liaising with Egg in an effort to obtain this document we have been advised that it is no longer available
due to the length of time since the account was opened with you.
We are closing your account
At this time we have closed our file and will not make any further contact with you concerning payment
against this account unless the copy of the agreement is received at some point in the future from Egg.
This was from an account taken out in 2004,
i need to know is what happens now,
i have a DD set up with them for £50 per month,
do i now cancel this?
The default is no longer on my credit profile as dropped off after the 6yr timescale,
can they default me again for the same loan?
My profile is clean now and i want to apply for a mortgage,
i dont want to trash my credit profile by stopping the DD,
not really sure what to do,
any advice would be welcome!!