3 credit card debts claimed by lowell from capital one, lloyds and hbos

[w1n3pd]

2 YEARS AGO I STARTED PAYING THE FOLLOWING DEBTS WHICH ARE CLAIMED BY LOWELL.

 

HBOS

CAPITAL ONE

LLOYDS

 

I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CCA file. Which I shall do as soon as my printer is fixed.

 

A new development is that none of these appear on my equifax credit file anymore. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past.

 

What should I be doing meanwhile, apart from the CCA file? And while I am asking for CCA file, should I keep paying? And also shoudl I ask for one CCA file for all of them or separate? In the past they have sent me letters with all three debts mentioned on one letter.

 

Thanking you in anticipation.

Edited July 2, 2013 by w1n3pd

[dx100uk]

let be clear here

 

you get your cra file from those listed at the bottom of my post

 

you need to make a thread for each debt

 

not a thread for each dca that manages several debts of yours

 

dx

[w1n3pd]

Sorry making separate threads now.

 

i ALREADY HAVE GOT THE CRA FILE, THESE GUYS DO NOT APPEAR ON THEM HOWEVER, THESE GUYS HAVE BEEN CARRYING OUT TRACE SEARCHES ON MY FILE UNDER THE NAME OF MCKENZIE HALL, AND THE LAST ONE WAS APRIL LAST YEAR.