Hoist now lowells - old card debt been paying for ages.

[London1971]

You shouldn't have started to pay them in the first place,  that's how they string out the statute barred thread to infinity.

 

1. Send a CCA , you can find the template on this site, after 12 days, when they haven't replied, then cancel your payments.

 

2. Ignore all begging letters until they have complied with the CCA request.

 

3. At some point if they actually manage to comply with the CCA. Send them a letter stating you are ill, listing everything, medications and a note from your GP / consultant. They will drop it like a hot cake anyway.

 

Question for you? have you moved home since taking out the original debt?

 

Remember, All communication to be in Writing by Royal Mail. NEVER answer an Email from them, NEVER answer a call or text from them.

 

 

[London1971]

The CCA will give them 12 plus 2 days to find the relevant documentation, it won't happen, they will put the account on hold and you can stop paying, it won't be enforceable. Don't worry about whether they will comply with the CCA or not, until it happens. 

 

The fact that they are writing to you at your current address means nothing, they would be perfectly within their rights to send a Claim Form to your old address they have on file, and one day you'd have a CCJ out of the blue. That is the only way it would go to court.

 

Along with the CCA send another letter, simply informing them of your current address

[London1971]

But for goodness sake write to them with your current address. Lowell's MO is to seek out people who haven't correctly kept their contact details updated, and to send claim forms to their old address. This has happened to me twice.

[London1971]

1 hour ago, Yorky55 said:

@London1971 Ref address, they do have my new address well its years old now. That is why Hoist are able to send letters. and That is why Lowells have written to me here, Hoist gave or passed contact address to them.

 

@dx100uk

 

 

They make a an educated guess by looking at the electoral role, last known address etc, in other words phishing letters. However if you don't actively confirm your latest address, in writing, you have zero redress if you end up with an default judgement, that you never saw because it went to your old address. Lowell in particular, actively search these out.

[London1971]

Yup to above and the health issues, my wife has had stuff wiped off because of that with Lowells. 

 

Plus , Lowells tend to back off when challenged, eg CCA etc, or simply you confirming current address.  That's because they make a huge amount of money from backdoor CCJ's., easy pickings for them.

 

I think there was one example on here a few years ago on here where a foreign bank sent out hundreds of 'Letter before Claim' letters, not one person who actually replied, actually went on to receive a claim form. They were only phishing for the one's who didn't reply. That's where the easy money is.