hi all any comments on the above please:-)

bump

hi all i sent them a copy off proove that the above as been settled he goes what i have had back a big read:-) dear xxx Re complaint 1st credit ref xxxx further to the above and your letter of the xxxxx,(copy of the proove that this debt had been settled) i am dissapointed to read that you felt you had cause to complain. Acopy of our complaints procedure has been sent under separate cover (in the same envelope) I understand your complaint is in summary, you do not acknowledge any debt to 1st credit finance ltd as you consider the debt settled on the xxxxxx with the bank of scotland therefore, you require us to cease processing your data. ihave investigated the matter and find 1st credit ltd servicing the debt for CAI Finance ltd and this account relates to a bank of scotland account ref xxxxx Although we note you are disputing this outstanding balance we consider we are acting in good faith on the information provided. AS you claimed (yes proove in front of you) to have settled this account with B O S prior to the account being passed to 1st credit finance ltd under the financial services Associations DISP 1.7.1, A copy of your complaint has been forward to the BOS who will issue you with a final response in this matter Regarding your comments about the permission to process your personal date we would refer you to part 1 of schedule 2, paragrah 6 (1) of the data protection act 1998 schedule 1, part 1 to the data protection act 1998 the DPA sets out the first data protection principle 1 personal data shall be procced fairly and lawfully and in particular, shall not be processed unless a at least one of the conditions in schedule 2 is met and b in case of sensitive personal data at least one of the conditions in schedule 3 is also met schedule 2, paragraph 6 of the data protection act 1998. 1 the processing is necessary for the purpose of legitimate interests pursued by the data controller or by third partyies to whom the data are disclosed, except where the processing is unwarranted in any particular case by reason of prejudice to rights and freedoms or legitimate interests of thedata subject We consider the interest of debt recovery a legitimate interest and 1st credit ltd being third party to whom the data as been disclosed As a result your data will remain on our system and will continue to processed lawfully in accordance with your request your telephone number will be removed off the account but has been retaind for use should postal correspondence fail to maintain sufficent contect with you. IN VEIW OF MY FINDINGS I DO NOT CONSIDER YOUR COMPLAINT TO BE JUSTIFIED AND HOPE THAT MY EXPLAINATION HAS BEEN HELFUL IN SETTING OUT CLEARLY WHY I HAVE TAKEN THIS VEIW (although you have proove:-)) Your account will remain on hold in the meantime and we will contact you again in due course our aim is to resolve all complaints internally and we hope that this matter has been resolved to your satisfaction. However in the event you remain dissatisfied with our response you may refer the matter to FOS with in 6months of this letter a copy of the leflet is enclosed you may also contact our trade association the credit services association well all what you think:-)

thank you both could you please point me in the direction has i have never made a complaint to oft before

yes they have taken the £1.00 of the total

hi Donkey B well received a letter a few weeks ago from drydens saying they were getting in touch with there clients have,nt heard anything, just checked my file it seem that lowell have started to update my file and used the £1.00 i sent drydens for a copy off the cca lowell have,nt updated for a few years:roll:

hi andy i have received the copy off the agreement:-) and just been looking through the SAR i received this account was settled way back in 201:-)

mine,s on its way sending my condolences

hi all just checked the track and trace to see weather they have received my letter it was supposed to be garenteed for yesterday its been delivered this morning here goes:lol: your item refxxxx was delivered befor xxxx as this item was redirected, it will have taken longer then usual please ensure the correct address is used for future mailings (the address i used was that on top off the letter) here goes:-) were has it been directed to unfortunaly we are not able to give you this information customer confidentiality means that we cannot pass on the forwarding address of our customers:-) so were am i supposed to be sending these letters if there address does,nt exsist:?:

already done this morning garenteed to get there tomorrow:-)

drydens fairfax saying there client lowell will except 20% discount one last chance:roll:

another letter today offering me a 20% discount for settlement orther wise we will commence legal action:roll:

thanks briggs:wink:

thanks:-)

hi brig thanks for your reply it was way back in 2008 when i requested a copy of the cca from cap one, which they sent me a copy that said application form do you think i should request another one? thanks

bump:-)

this is the generated letter here goes:| sorry scanner not working i will post drydensfairfax solicitors Dear Madam our client lowell financial ltd account number xxxxxxxxxx original creditor capital one We have been instructed by our client, lowell financial ltd too seek repayment of xxxxx from you. Payment can be made by various methhods details which are provided on the reverse of this letter if you are unable to make payment xxxx to clear this debt please call so we can agree an affordabe repayment arrangement with you to conclude this matter please note if this payment is not received by xxxx we have instructions from our client to commence legal proceedings against you for the recovery of this debt If legal action is started then costs and interest will be claimed in addition to the value of this debt it is there most important that you make payment or contact us as requested yours faithfully drydensfairfax solicitors anyone have any comments:| please

hi all i have received another generated letter:roll: this time from drydensfairfax solicitors giving me till the 11th and they are commencing legal proceedings instructed by lowell:roll:

what u make off the letter briggs

another generated letter arived today dated the 4th jan here goes Dear mrs xxxx We are now preparing to insruct a solicitor ----------------------------------------------- We have tried to resolve this matter with you without sucess. We have now reveiwed the information contained in your credit file and based on the way you are conducting your orther finances, we beleive that you may be in a potition to start repaying this account As you have failed to repay this debt or provide a genuine reason why it should not or canot be paid, we are now peparing to instruct Drydensfairfax solicitors a law firm that specialises in recovering unpaid debts to manage your case 14days to pay us or agree a repayment plan -------------------------------------------------- to avoid your account being passed for legal action you must repay the debt in full or call us to agree an affordable repayment plan with in 14days of the date of this letter you may pefer to do this by visiting www.lowell.co.uk What will legal action mean? --------------------------------- A claim for the outstanding balance will be issued against you by the court and if you still do not pay, an application will be made to obtain a county court judgement ccj for payment by you of the debt and additional legal costs. if a ccj remains unpaid for longer then 30days this would be reported on your credit file for up to 6years and may prevent you from obtaining furture credit such as loan, mortgage, mobile phone contract, or even renting a home, if you still do not pay the ccj can be enforced by submitting an application for Acharging order secureing the debt against your home if you own your own property and/or An Attachment of Earnings an order from the court instructing your employer to deduct money from your earnings or A warrent of Executions meaning a court baliff would visit your property and could remove goods to the value of the outstanding debt to repay what you owe Help us find a better solution today ---------------------------------------- Taking legal action is not how we wish to progress this matter we would still prefer to work with you to agree a repayment plan we will not ask you to repay more than you can afford please call with in 14days from the date of this letter on to set up an affordable repayment plan and prevent legal action being taken yours sincerly andrew bartle cheif operations officer