Barclaycard/Lowell/Carter

[Number 9]

Bryan Carter have written to me saying they have been instructed by Fredrickson (acting on behalf of Lowell re. an old pre-2006 Barclaycard account)

to issue court proceedings in a few days if payment is not made.

 

I dispute this account and wanted to check what I need to do.

 

Presumably I need to

a) inform Lowell the account is in dispute in writing (I have only done this by telephone a couple of years ago)

b) CCA Lowell and

c) inform Carter of the account being in dispute?

 

Is this course of action correct?

Any advice would be appreciated.

 

Also, I can't find the Lowell letters - is there a particular address I need to use?

[dx100uk]

so you paid/used it in the last 6yrs?

 

is it on your Credit File?

[Number 9]

Had life-changing medical situation 3 years ago and haven't worked since.

 

Used about 3 years ago but I refused to be bullied when trying to come to a workable arrangement (all by telephone).

 

Don't know if on my credit file.

[slick132]

Hi No9 and welcome to CAG

 

Re your options, I agree that you should send Lowells a CCA request and confirm you consider the matter to be in dispute.

 

And then tell Carter the a/c is in dispute and you're awaiting a response to a s78 CCA1974 request.

 

Send BC an SAR if you do not have statements for the period when the a/c was active, so you can check for penalty charges and PPI. These can be reclaimed to reduce the balance.

 

We have heard numerous times that folk have tried to do the right thing and come to an arrangement to pay what they can afford, but BC and Mercers refuse to play fair.

 

[Number 9]

Hi,

 

many thanks for the help/advice. I'm getting the CCA Request out today and will report this to Carters.