Lloyds/Lowell credit card

[bearing]

Hi there, not been on here for a long while.

 

Have had a letter out of the blue from Lowell on a Lloyds credit card account that was defaulted in October 2010.

Obviously this is about to drop off my history but obviously as they've renewed their interest in me I'm wondering my next move.

 

Their reason for contacting me was to offer me a discount of 75%,

now this obviously smells to me of them not having a prescribed agreement (the card was taken out pre 2007).

 

I've had a look through my papers and it seems that for some reason I have never claimed charges on this account.

 

Now I can obviously type up a CCA to see what they have,

as I said it has been a while so on top of the actual signed agreement

what else should I expect?

 

With regards to sending a SAR am I still able to claim charges this far back?

 

Any links to templates would be gratefully received! (I'm a bit rusty in here)

 

Thanks in advance...

[dx100uk]

when did you last pay anyone anything?

 

dx

[bearing]

when did you last pay anyone anything?

 

dx

 

Less than six years ago so it's not SB

[dx100uk]

ok ta

charges are still sometimes getting refunded

but if they are offering 75% yes this smells

 

if you do the FOSCISHEET

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

that should give you an idea of if the discount is related to the charges issue

 

i'd let it run

prob just chancing their arm as SB is approaching?

[bearing]

Just had a look back and my last payment to Lowell was two years ago.

[bearing]

Cheers dx, I've never SARd them so have no copies of statements and can't find my originals. Is it better to pursue the charges via SAR and then decide whether to find out if they have a prescribed application after dealing with that?

[dx100uk]

Just had a look back and my last payment to Lowell was two years ago.

 

 

tell us more of the history please

why were you paying lowellls

cant find any old threads

 

 

puzzled as to what has gone on in the past

 

 

full history please

[bearing]

Apologies, have been out of the loop so not been able to get on here.

 

I had been paying as part of a debt management plan that I had agreed with several creditors,

 

I stopped paying as I changed bank accounts and hadn't setup new direct debits.

 

I did get letters for a while but due to financial reasons I couldn't really afford to continue paying anyway.

 

I also realised that their letters seemed to be more sabre rattling than actual threats so had forgotten about them.

[dx100uk]

When was the card taken out?

[bearing]

Taken out in the late 90s

[dx100uk]

CCA will be very hard for the OC and thus the DCA to now find

that's gonna be the reason for the 75% discount

 

 

lemon debt

ignore them.

 

 

unless/until you get a claimform