HSBC sell debt onto lowells

[reloaderdan]

Afternoon all some help needed.

 

I took a loan out in approximately 2000

 

I was injured at work and could not afford to pay my amount so

 

after a while restons became involved and

 

when I was back in work sent an attachment of earnings and I was paying about 100 a month direct from wages,

 

I was then made redundant and did not hear anymore this was about 4 years ago.

 

Today I recived a letter from HSBC saying they had sold my debt to lowells.

 

How do I go from here I don't know what to do any help would be most helpful.

[BRIGADIER2JCS]

Hi, wait for the contact from Lowell don't do anything yet.

 

What type of account is this?

[reloaderdan]

Hi there thanks for the quick reply it was for an unsecured loan.

[silverfox1961]

Hi,

You say Restons applied an attachment to earnings? Has this gone to court?

[BRIGADIER2JCS]

Hi there thanks for the quick reply it was for an unsecured loan.

 

Ok a CCA request to Lowell to see if there is a valid agreement.

#Address to the Compliance Department

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

Use the template from the CAG Library for this: There is a £1.00 statutory fee to pay use a cheque or postal order marked clearly

'For Statutory Fee Only'

 

They have 12 + 2 working days to reply.

 

Send as soon as Lowell contact you.

[reloaderdan]

Hi there I think it did go to court as distinctly rember the county court stamp on the paper work.

I will print a ccc a request tonight thanks again folks

[silverfox1961]

Any debt that has been to court and transferred to some other company needs to be officially done through the court.

 

As this debt is now subject to a County Court Judgement, I don't believe a CCA request will make any difference as a CCJ overrides the CCA

[reloaderdan]

I rember that I had an attachment of earnings order but apart from that I don't rember ever receiving any information about a ccj

[BRIGADIER2JCS]

As SF said a CCA request is no good now.

 

Check trustonline or your credit files for the CCJ.

[dx100uk]

bet this is an old hfc loan?

 

hsbc have just dumped 1000's old loans off their books to lowells.

 

tell use the full history please

 

whwn did you take this loan out

its purpose

and what is on your cra file...

 

if it was an HFCloan

 

9/10 was crap before it ever went to court via PPI/PENALY charges.

 

dx