Help please - Lowell/ Newday/ Santander/ Debenhams Card

[nuttytart08]

Hi

 

Apologies if this is long winded but here goes:

 

17/11/13 - Purchased Gloves from Debenhams.com £22.50 using my Debenhams card (Santander)

 

No communication statement or anything from them.

 

02/12/14 - Letter from Lowell Group enclosing letter from New Day? advising that they had passed my account for collection to Lowell Group. £120.43

 

December 14 - Called Lowell Group as I had no knowledge of what they were chasing and I was informed it was Debenhams.

Advised the call handler that I had received no statements from Debenhams in this interim period.

 

Account was placed on hold at this point whilst they obtained the statements.

 

24/01/15 - Statements arrived and they were addressed to my old address which I had left in February 2012.

I advised them that I had sent a letter to all accounts including Santander/ Debenhams advising them of my address change.

Also there was a 12 month re-direct on mail and the new owner of the property was known to me

and had regularly passed on any post received (including junk mail) to me.

 

30/01/15 - Telephone call to Lowell advising that this was the 1st sight I had seen of these and why had my address change not been carried out,

I could send them a copy of the letter that was sent but as it was in word the date would probably update etc, this was not sufficient evidence.

They could reduce the debt to £60.00, call was ended at this point whilst I tried to garner more evidence.

 

Feb/ Mar - Mother In Law in Hospice and father receiving heart surgery 80 miles away, mother in law passed funeral etc......

 

Today 18/05/15 - Another letter from Lowell saying that they are passing the debt to a collection agent (me freaked out)

back on the phone,

gone back through the fact I had informed them of my address change and that statements provided had my previous address on.

Advised them that I had been offered a £60 reduced settlement (I was going to pay today)

to be told the offer was only valid for 30 days ( I was not told this) also that this would leave a partial settlement mark on my credit file for 6 years

(again I was not told this)

Asked to speak to someone more senior but got cut off.

 

Frustrated to say the least.....

 

So I searched my inbox and I have found the order confirmation for the gloves £22.50

and order update both displaying my billing address as my current address.

 

I have a copy of the agreement and cant see anything relating to third partys?

 

So where do I stand now????

 

Thanks for reading my post.

 

Nuttytart08

[dx100uk]

welcome along.

 

 

firstly.STOP talking to these fleecers on the phone

 

 

they are a DCA,

they ARE NOT BAILIFFS

and have

NO SUCH LEGAL POWERS.

 

 

written comms only

put the phone down.

 

 

now, a bit of history

99% of 'active' storecards wer sold by Santander to 'newday'

[basically anotherof the of Santander 'group', buts that immaterial.]

 

 

so for whatever reason, they didn't update you address

that again is immaterial in the scheme of things.

that's their problem, not yours.

 

 

have you from lowells, received a letter title 'notice of assignmnt'

in otherword

has the debt been 'sold' to lowlife

or

are they just 'collecting'?

 

 

you creit file will tell you the owner too if you go get that.

noddle listed below is free.

 

 

now, i'll assume you'll find you've a big fat default on the debt now

so, that will kill any credit from anywhere for 6yrs from its birth

[when it and the whole account will vanish from your file.]

[doesn't mean the debt is dead mind.

 

 

now the PENALTY charges [£12 fees late/over/failed DD/letter etc etc]

 

 

these can be reclaimed from satans bank at their int rate

that's prob why lowlife are offering a discount.

 

 

pers I would never ever pay a dca nything!

 

 

i'll let you digest that lot

 

 

and return with any questions.

 

 

dx

[nuttytart08]

Thank you.