HORRAY HORRAY LOWELLS HAVE ADMITTED DEFEATXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXX We had the letter today saying that the client did not have the cca and they would not be taking it any further. THANK YOU ALL FOR YOUR HELP ESPECIALLY ODC WHO HAS GIVEN ME GREAT ADVISE ALL THE WAY THROUGH. THANKS AGAIN LOWELL LOSERS

hi, everyone just a quick update into the lowell saga. Sent two letters to lowell in june asking for proof of cresit agreement this was middle of julne and had the letter back, saying there client was retreving it from the archives. Can anyone tell me how long they have got to come up with it, i can't remember. Second letter was again asking for proof of the alledged payment, heard nothink back about that except the predicted offer of paying just part of the balance before a certain time,have not replied to the letter. Still sitting tight

can anyone let me know how i get a breakdown of the amount they are chasing for and what the debt is for should i ask for a copy of the credit agreement

Also how can i get a breakdown of what the debt is for and what the amount is made up from. What i mean't was, there were three debts with the original creditor 2 loans one credit card. I have had one figure from lowells and it does not tally with any of the debts, so i would like to ask them what the amount is for and how it breaks down ie, debt plus interest and so on and so on, wondered if there was a special form. Regards

Hi had another letter from the usual saying that as for as they are concerned my comments had been noted and the proof that they sent regarding the alledged payment was satisfactory and as a payment was made within the six years the debt is not statute barred and therefore payment in full is required. Should i just ignore this letter as the last one i sent to them i told them i would have no further correspondence with them until they provided satusfactory proof that a payment had been made not a computer generated print of. OR Send them another letter riterating the above statement. I am sure that the print of if it went to court would not be satisfactory evidence. I do not at any time recall making this payment. Also how can i get a breakdown of what the debt is for and what the amount is made up from. Regards george

Thank you ODC your allways a great help, just for fun can you predict there next move Thanks

Thanks odc you obviously know what there like, has anyone got a template for the doorstep harrasment letter would like to sent that stating the case law

Hi just to let you know i sent the letter about the computer generated printout and sent it recorded. then today received two letters from lowell saying that because i have not contacted them they are sending the debt to guess who red collection if i have not replied within five days and also on the same day received the letter from red threatening a doorstep visit if i did not contact them and also the usual ccj judgement, attachement of earning jargon, was thinking of sending red the letter about the computer generated print off and also the one about doorstep harrasment any one have the template for that one and do you think what i am doing is the way forward. cheers to everyone

what is troubeling me is the debt is i think the mixtrue of a few debts rolled into one, becuase i can not imagine where they have the figures from and as there is no clear indication of what the payment was for i still dispute the alledged payment do you think i should send another recorded delivery letter

hi there, had a reply from lowells today regarding the proof of payment, what they have sent is a joke and does not prove that a payment was made can anyone advise on next step well was going to try to scan but could not do it well its on blank paper Debt Account no xxxxxxxxxxxxxx Client Ref xxxxxxxxxxxxxxxxxxxxxxxxxxName Posting category PAYPAYMENT There are 1 entries in this collection Posting due datevalue date Transaction type code Transaction type descriptionPosting amount Datexxxxxxxxxxx datexxxxxxx PAYMENT FROM DEBTOR -XXXXX AMOUNT That is all thats on the blank paper i have ommitted dates and amounts

Hi everyone, my very own update in the lowell saga. I sent them the letter asking them for proof of the alledged payment and a week or so after the letter was sent i received a letter saying they were obtaining the said proof and they could gaurantee that they would be able to retreive it and that i did not need to send anymore letters to them until they had retrieved it but again they stress they could gaurantee this would be obtained and if i need to contact there customer service by telephone i should not hesitate to do so. Question is do they need to provide this information within in a certain time frame. Regards to everyone

Thanks ODC for the advice sent the letter out yesterday registered we will see what they come back with. PS what did you mean about the token payment as above. Thanks

Hi sorry to be a bit of an idiot but what did you mean about the last statement about the token payment

What a quick reply from lowells. Yes i got the expected letter telling me that they had proof that i had made a payment of so and so amount on a date that comes under the six years. Can anyone recommend the next letter that i can send of to lowells to ask for the proof of the payment because i do not remember giving one. Many thanks to you all

Hi Everyone Thanks for the advice. Sent the statute barred letter recorded delivery, i think that by the advice given i should expect another letter making up the last payment date or correspondece date so i know whats coming but thanks to everyone i am saying come on lowells bring it on xxxxxxxx