In reference to Thread found here: http://www.consumeractiongroup.co.uk/forum/showthread.php?342500-Shop-Direct&p=3759254&viewfull=1#post3759254

This thread relates to the Lowell Account with a Balance of £1080.

Attached are copies of the Notice Of Default Sums & Notice of Sum in Arrears

[ATTACH=CONFIG]42185[/ATTACH]

[ATTACH=CONFIG]42182[/ATTACH]

Summary of account provided by Lowell (Did ask for statements but got sent a summary)

[ATTACH]42195[/ATTACH]

Attached are copies of the Credit reports.

The Experian file shows the Entries under Shop Direct as of April'12 and Lowell March'13

[ATTACH=CONFIG]42200[/ATTACH]

[ATTACH=CONFIG]42201[/ATTACH]

ok

now make two spreadsheets using :

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Or for a PENALTY charges Reclaim. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

FosCISheet v101.xls

one listing every PENALTY CHARGE

one listing every warranty or insurance/PPI payment.

use their APR.

dx

[ATTACH]42217[/ATTACH] £506.50

From the SAR. the ref used for charges is 174G ADMINISTRATION there does'nt seem to be anyway to distiguish if its a Late/Miss Payment or Letter charge.

so the 197k int is that solely for the PPI/warranty payments?

dx

Sorry, I've deleted the "197K interest" as that's whole account interest.

[ATTACH]42220[/ATTACH] £2148.18

REclaims far outweigh balance

by the time of the first marker

the PPI was already worth more than the balance

That's why I've said to them I owe nothing across all three accounts.

I worked it out that he totals of all three charges etc cones to nearly 1.5k more than the combined balances

yea we know that

but the idea here is to try and PROVE the markers [neg data on the CRA files]

was due to THEIR errors rather than yours.

thus get some of them removed.

once that happens

we came then bring in the whole picture

dx

[ATTACH=CONFIG]42684[/ATTACH]

I recieved the attacged letter yesterday, from Lowell in relation to this account nothing recieved or mentioned about the others. (not too sure what I'm surprised about, the fact its dated the 14th or the fact we got post)

I'm persuming its a reply to my last email I sent them in Feb stating that they keep send me through summary's and not the actual statements. - I notice how they say they will call to discuss to seek a resolution... errm no you won't.

I have to admit, I am yet to send anything for all the accounts to SD or Lowell/CapQuest, as basically I really dont know what to say to them.

we atleasrt they are takig notice

you could send the account in despute letter

stating each one is an issue because of the false balance re charges/ppi etc

but i'd PERS not bother

dx

Letter recieved yesterday from Lowell (dated 5th April)

Just states:

Following on from our previous letter in acknowledgement of your complaint, we are writing again to advise we are still investigating the details of your concerns.

Unfortunately we have not yet completed the investigation that will allow us to respond full

goes on to say apologies for delay, will write again asap but no later than 8 weeks from the date we recieved your complaint.

Again the letter does not mention any other account accept this one.

Still have not recieved anything from CapQuest.

*Update*

Lowell has written off the debt. Of which I do have confirmation (see main Shop Direct thread of mine)

It has been removed from all credit reports.

Now atttempting to claim back PPI & Charages

hey great result!!

two to go!