Lowell court threat on EEG debt been paying them for +5yrs

[Barnstaple]

Hi

 

I have recently in the last 4 weeks lost my job with no notice( was in probationary period),

due to this i had to cancel my regular £50 dd to lowell as i couldn't afford to pay priority bills.

 

Lowell have called me today and

stated unless i make up the payment within seven days court proceedings will apply,

 

i have been paying this religiously for the last 5 years and have never missed a payment before,

 

the default us no longer on my credit profile as the original debt to egg was over 8 years ago,

 

my profile is now clean and i really dont want a ccj affecting it after years of hard work to pay off all my debts,

 

How do i go about proceeding with this,

i have never once received a statement of my account with them

so am unsure as to what the remaining balance would be, the original default was for £8000,

 

Once back in employment i have no problem with paying

but now im really angry as at least i have been trying to stick to my arrangement,

 

i have no income whatsoever until i find new employment, and also have 3 children to support, please help!!!

[dx100uk]

have you eversent them a CCA request

 

to check they have the legal right to demand money?

 

stay off that phone

 

lowells are a DCA

 

they ARE NOT BAILIFFS

 

and have

NO SUCH LEGAL POWERS.

tell us the history of the debt please

 

is this on your credit file?

 

dx

[Barnstaple]

Thanks for reply

 

It was originally a loan with egg from 2004 that was defaulted in 2006 due to divorce,

 

Egg sold the debt to Lowell in 2008,

 

i arranged to an agreement with them at £50 per month by DD which i have been paying ever since,

unfortunately this month i had to cancel it as had no money to pay,

 

The default is no longer on my credit profile as it dropped off in 2012 my profile is now completely clean,

 

they did try and repost the default dated 2010 for the same loan

but i complained to experian who got them to amend as the same debt cant be defaulted twice apparently

 

What would a cca request do. If requested if i have admitted to the debt and been paying it regularly

[dx100uk]

you might be acking the debt by paying yes

 

but if they don't have an enforceable agreement

 

then all that does is keep resetting the sb date.

 

for a loan from 2004 they'll need a signed agreement

unless this was the online egg site you used.

 

though there are known issues with that method.

 

particularly automatic ppi sign up

 

you have checked you didn't have ppi by default have you?

 

dx