lowell and 2 JDW CAT debts - Default about to reach 6yrs - do i still keep paying??

[moving on..]

Good Afternoon,
I am just seeking some advice as to payment to a DCA after the default has dropped from my credit file after 6 years.
Account is for a catalogue and opened in 2009, defaulted in 2014.

 

I have been paying the DCA a nominal monthly amount.

Do I continue to pay?

can the DCA get a CCJ after a default has run its course if I stop paying?. 
Many thanks in Advance
MO

[dx100uk]

Why are you blindly paying a DCA?

 

Who says the debt is even enforceable??

Have you ever sent the fleecers a CCA request??

 

Dx

[moving on..]

Many thanks for your early reply.

I have not requested a CCA as I read somewhere that laws changed in 2009 and even if a reconstituted  CCA agreement is produced  a CCJ could still be obtained.?

Historically I have dealt with other  alleged debts and DCA 's and those unable to produce a  CCA I promptly stopped paying.

I am loath to continue to pay this DCA .

I was caring for my son who had a brain tumour and this particular DCA

I  just did not have the strength to deal with during those tragic times.

If I can be assured they will not be able to obtain a CCJ  if I stop paying, then I will begin the CCA process.
Kindest 
MO

[dx100uk]

Well you read wrong.

 

send them a cca request asap

stop being a cash cow.

 

 

[moving on..]

Will Do .
I will return with, what, if they provide
Many thanks once again

[dx100uk]

who's the DCA and who was the CAT debt with?

let ne guess not lowell's par chance?

 

dx

 

[moving on..]

You are correct!
Lowell. J D Williams two accounts.

[dx100uk]

So two cca request s then.

 

give us a bit of history please

when taken out

Defaulted?

Owing now?

any dispute s??

 

DX

[moving on..]

Yes have written 2 requests.
Accounts opened Feb 2009 and Oct. 2009
Balances as of today £1082 and £975
Default date was 2014 ( both fallen off last month )

[dx100uk]

BNPL stuff too?

 

dx

 

[moving on..]

I do not think so 

[dx100uk]

ok 

lets await the CCA returns

they have 12+2 WORKING days

should they fail to comply within that period

you are quite within your rights to cease all payments until they comply

 

might pay you to get you duck inline and get an SAR running to JDW

 

and also read a few lowell CAT debt

threads

use our search top right

 

dx

 

 

 

[moving on..]

Received a letter from Lowell dated (10/11/20) stating they are requesting documentation from JD Williams. They say they aim to provide within 12 working days.
Lowell have asked I send them various ID details via email so they can respond with attached documentation from J D Williams as they 'cannot send anything via Royal Mail until government restrictions are lifted.' If I do not want information sent via email they will send as soon after restrictions are lifted. (but they managed to write to me today!?)
Meanwhile they have put account on hold and if they do not hear anything from J D Williams after 40 days they will send an update.

[Andyorch]

No government restrictions in place with regards to post hence your letter of today...Lowell exercise to gather email and personal data.

 

Ignore let them post it out

 

Andy

[moving on..]

Good Afternoon All,
Just to say I received notification today from Lowell stating that they cannot supply the information requested, so have decided not to pursue the accounts. Thank you all for your help,
Particular thanks to dx100UK for giving me the confidence to take action.
with much gratitude
Moving on
 

 

Edited February 8, 2021 by moving on..

[dx100uk]

you mean closed their accounts...

oh how unusual ...shame they scammed you like 100'000 of others out of money when they had no proof at all that you ever owed it.....