Cheers you’ve put my mind at ease for her now. She’s not been very organised and I’ve stressed she’s got to keep all mail and pass it to me. 
 

Lowell are sending emails at present 

Do I need to write to debt collectors to try and bat them off at all 

No last years water gone to debt collectors. I’ve been paying this years direct to water company. But I’ve been told as soon. As she pays 6 months paying there’s a fund that will clear half of the arrears and after another 6 months of payments clear the rest. 

No she’s lived at same address for about 10 years.

There are debts to a water company too but I’m sorting them out. 
 

Facts are her and her partner have spilt he’s left her right in it. 
 

Shes working part time and now claiming uc. So things are getting there. She’s buried her head for the last year. I’ve aimed to clear the things that haven’t defaulted first. And are making more than the minimum repayment to those. So at least I can repair some of her credit rating it’s only 284 at the moment. But once her 2 credit cards are clear then I will be having her to spend a limited amount on 1 monthly and pay that straight off. 
 

I honestly thought I could make a small payment towards the shop direct so it wouldn’t end up in hands of debt collectors but that’s not to be. Plus that will now be on her file for 6 more years 

Hi all trying to help my cousin after her break up and trying to sort out her finances..

She has a barclaycard debt  Default Balance £3,619.00 

Account started 24/07/2015

Default Date 05/07/2019

Last payment made 38 months ago.

In the hands of link for around 18 months 

She has a vanquis debt Default Balance £3,372.00 

Account started 24/07/2015 

Default Date 31/01/2020

Last payment made 30 months ago.
In the hands of lowell   
 

SHOP DIRECT FINANCE COMPANY LTD Default Balance  £1,054.00  

Account started   11/11/2016

Default Balance  £1,054.00  

Default Date 30/03/2023

Last payment made 14 months ago.

Now in hands of lowell. Annoying 2 days after I tried to make a small payment in hope to stop it going to debt collectors.

My plan originally was to make a small payment to shop direct going forward monthly however now it’s gone to lowell. They have sent an email with both the vanquis and shop direct balance on. And I’m concerned if I try to pay the 1 they will take money off both and start the default date at a newer date on the older debt. 

The first 2 will be off credit report 2025/2026 but the newest one will be 2029. How would you advise I should I proceed? 
 

in the process of clearing 3 credit cards with a low balance which have not been defaulted as well and this should be finished and clear within 3 months 
 

Thought it was the case just wanted to check back in. Took them a few years to send someone to the house. Just gutted I was in work today when they did come 

Cheers. Little update here.

I have a letters requesting money every month since last post to write off balance amount changes all the time goes up and down. Ive ignored as advised. 

last week received  a letter from resolve call and today received a doorstep call and a calling card  left will enclose last 4 letters 

docs1a.pdf

thank you 

2 newest letters just over 2 weeks apart guess you were right Dx 

Intrum 27th jan.pdf Intrum 7th feb.pdf

I take that’s a don’t panic and sit and wait

Just got this. Didn’t realise I was meant to reply to the letter they sent on 6th Dec?? 

Intrum 6 jan.pdf

I did notice it wasn’t from the actual Solictors who sent the pap form

Had a reply that was quick l. But they haven’t enclosed the rest of that letter dated 6 aug it’s on here post 26

Intrum 6th Dec _1.pdf

All sorted and sent!! I managed the rest...go me

Another £1 to be enclosed too?? 

Do I request another  cca? 

I am about to fill in this for on what grounds am I disputing the debt 

I have sent a Cca request before 

Thank you 

I’ve just had stuff for solictor too I’ve emailed you as couldn’t upload it here 

can you let me know if you’ve recieved it please  

j and p_1.pdf

1BC92219-C1FD-4732-AA22-8E3B53045E13_1.pdf

i think I’ve managed to compress them 

Been quiet for a bit just received   this 

Intrum 15th Nov .pdf

Just received a call they’ve left a voicemail  saying it’s intrums legal department   and to call them back quoting ref blah blah 

It didn’t look to kosher or serious to me but thought I’d check 

Just received this 

Intrum 23 sept .pdf

Not the court ringing my house them threatening court 

yes on credit file but never my mobile 

this debt ain’t been on my file for years. Even when I was paying Tesco a small amount per month