Hi all,
I fell into debt with British Credit Trust car finance after losing my job. I informed them I wouldn't be able to keep up the repayments on the finance and asked them to collect the car, in which they did. Obviously I was aware that I still had a debt with BCT and started paying them £50 a month to pay off the remaining debt (£5587.27).
After a few months I got letter to say they had sold my debt to Lowell. After numerous letters, I didn't reply to any of them, I have now had a "Pre-Legal Assessment" letter from Lowell threatening court action and CCJ.
On my credit file that debt is showing as satisfied. Can somebody please advise me on what I should be doing next please?
The default date on my file is 30/03/2010..
Thank you advance,
Jay
I fell into debt with British Credit Trust car finance after losing my job. I informed them I wouldn't be able to keep up the repayments on the finance and asked them to collect the car, in which they did. Obviously I was aware that I still had a debt with BCT and started paying them £50 a month to pay off the remaining debt (£5587.27).
After a few months I got letter to say they had sold my debt to Lowell. After numerous letters, I didn't reply to any of them, I have now had a "Pre-Legal Assessment" letter from Lowell threatening court action and CCJ.
On my credit file that debt is showing as satisfied. Can somebody please advise me on what I should be doing next please?
The default date on my file is 30/03/2010..
Thank you advance,
Jay
Lowell - British Credit Trust
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