[Thanks DX and Andy you have both been most helpful. I suspect that my daughter will still get more correspondents from these people. Regards IJ

Is there a letter template in the library Andy, I know their used to be. I must say you are very helpful in these matters.

Hi Andy, the CCA request was sent to Lowell's back in April (5th) and my daughter heard nothing from them until recently. So what now? I have also noticed that they have dated their reply 26th April.

Yet another letter from Lowell re JD Williams debt. Please contact us with your repayment proposals. Your documents. You previously requested documents under sections 77/78 of the cca 1974. JD Williams have provided o copy of the documentation, which we will send under separate cover. This fulfils our obligations under the cca 1974. DX, I thought that when requesting a cca they had 14 days to respond to the request, has this now changed?

I will have to ask my daughter about what may be missing, is that important DX? If she has anything I will send a copy.

What I have sent is exactly what my stepdaughter received. The details DX are exactly as she received them, a child could have written that in. There is no rest of it, a covering letter and the so called agreement .that is it.

Hi Andy, I hope you manage to get the files ok. return.pdf

I have 2 pics, how do I insert them please.

Hi DX, I am not able to scan the agreement. I will have to try and take a photo.

Sorry Andy but I am unable to do as you suggested.

No sorry DX I am not able to scan the agreement.

It was opened in March 2012.

Hi DX, guess what!!!! after sending a CCA in April they have just decided to send the awaited agreement only 3 months late. The so called agreement they have sent has been completed by someone else and there is no customer signature on the so called agreement. I have noticed a paragraph in their letter, please find enclosed a reconstituted ''True Copy'' of your credit agreement along with the current terms and conditions applicable to your account, to which you agreed. When responding to a section 78 request, a lender does not have to provide a photocopy or other literal copy of the executed agreement not provided a copy bearing or some other proof of the customers actual signature. Does my stepdaughter just ignore this letter.

Thanks DX, she will no doubt get more letters from them.

It is a catalogue (JD Williams). As they are now in default of the CCA request should a follow up letter be sent to BPO as they now have the debt?

Hi all, on or about the 9th March my stepdaughter sent a CCA request to lowells it appears that on the 18th March the debt was passed on to bpo collections, are they allowed to do that? when a request for a CCA has been made. Regards Concorde

The date of judgement was 02-MAR-2016 so she still has time to get a free redetermination, how does she go about that Andy?

My daughter was told on the phone by Northampton that she will receive an income & expenditure form to fill in and then make an offer of what she can afford to pay, I assume that is the (n245) All this has come about with making contact with Credit Fix a so called debt management company Andy. I would like to thank you and dx for your help. I will keep you up to date as to what is happening.

She has been receiving a lot of DCA mailings since she made contact with a debt management company called Credit Fix, they sent a courier to her home to collect mailings that she had received. Since then she has been at her wits end. I cannot say if she had moved since taking out the cap1 card. What will happen re the CCA sent to Cabot? My step daughter rang Northampton this morning regarding a CCJ having been sent out and was told that the CCJ was served on 10th Feb 2016. The court said that they will send out a copy and details of what to do, as she cannot afford a £50 a month payment as a single mum with 3 children.

She has never made an admission, it looks like it came from the court just the N30 and nothing else came with it. The CCA was sent to Cabot last week. The only other letter she has received in the past week was from Restons giving her 16 days to respond, they did not give her any time at all when she received the N30.

She has never received a claim pack from Northampton CCBC. The date on the N30 IS 02-MAR-2016. The first payment to reach claimant by 01-APR-2016. What happens regarding the CCA request sent to Cabot?

The letter that my step daughter received looks like a plain piece of printed paper containing the following: Judgement for Claimant (in default). I thought that she had received an N30!!!? Do you need any other info?

I cannot answer that question until I see her tomorrow, then I can give you an update.

Does my daughter need to send the CCA request to Restons or to Cabot.