V10# & V14# in this case.

Note how this differs from the CCA in post #32. This CCA is on two seperate sheets of paper, the one in posts #30 & #32 was on both sides of same sheet. They've also sent two lots of T&C's which are different. There are no dates on the them.

A letter has just arrived from Lowell, I will scan it in asap.

After lots of checking past records etc it looks like CrapOne failed to comply with Mrs P's CCA request in 2009. They did send some "current" T&C's to her but the letter has no date on! These T&C'c are not the same as the ones on the agreement sent from Lowells. On a seperate letter from Aug 2009 they state "unfortunately the signature you have provided does not match the signature on our receords and under the Data Protection Act I cannot forward you any information regarding this account". Should I send a Non Compliance letter to Lowell?

To coop, carters or freds?

No.

letter removed- personal info left on.

I can't find anything about late fees on this "agreement".

The FOS would not rule in this instance as it was and still is concerning bank charges and the CO-OP selling us a loan to pay off an O/D made up completelt of bank charges and interest on those charges.

I am worried they will start legal action, really don't need the hassle. The CO-OP do owe us far more than we owe them and I firmly believe the loan was mis-sold and is something I am pursuing.

Should I write to them pointing this out?

This "agreement" is dated 2004.

Is it fraud when a DCA tries to collect money by using a made up agreement? Any advice folks?

Third time now with Freds! This I've adapted from the 1st letter I sent to Freds a few years ago, With regards the above accounts/reference numbers; This is now the third time you have harassed me concerning this alleged debt. 
Your client LOWELLS & THE CO-OPERATIVE BANK have been aware since early **** that this account was in dispute, and being investigated by FOS. In your letter of the ** *** ****, you enclosed copies of 6 statements of our current account with The Co-Operative bank. This data has been illegally processed by yourselves and the Bank as the account was closed on ** **** **** with a nil balance. We are in the process of taking action against the Co-Operative bank concerning this matter. 
 Despite clear written notification of such, your clients have shown a total disregard to both Consumer legislation and also matters under the Data Protection Act 1980 by its instructions to yourselves to further pursue collection whilst a dispute remains. 
I now put you on written notice to the fact that this matter has now been handed over to my solicitors to deal with. Therefore, you must now immediately cease sending any further collection correspondence to myself, refrain from any further attempts at collecting any payment with regards these accounts, and also immediately cease processing my personal data in respect of any alleged arrears or debt. Should your collection activity continue following being made aware of this: 1/ I shall immediately seek directions from the Court with a view to obtaining an injunction against your company, preventing your continued harassment. 2/ I shall also file formal complaints with the FCA with a view to urging a review of your suitability to retain your CCA74 & other regulatory licenses. 3/ All correspondence from yourselves will continue to be retained by myself, and may later be used as evidence in a future claim for damages. The FCA has recently issued stern warnings to those individuals and organisations who have initiated hostile actions (threats and secondary actions, addition of collection charges, and the sharing, passing or processing of personal data with third parties) whilst customers are seeking to enforce their Statutory and legal rights, and I strongly suggest you familiarise yourselves to these warnings. Since this is a formal complaint you are also required to send me a copy of your complaints procedure, as per guidance from the FCA. I look forward to receiving a copy of these, together with your written undertaking that your own attempts at further recoveries will now be suspended. Yours Faithfully Anything incorrect or that I should add please? Many thanks.

Part 2. I wonder how long it took them to make this? I would say this is not a copy of the original agreement.

Part 1

Didn't have time yesterday,will post asap.

Credit Agreement arrived today.

Cheers.

Is eon npower?

My eldest daughter has just sent me a message:- "Had ANOTHER bill from Npower dated Aug- Nov 2013 saying we still owe £35!!! This is despite them already giving us a final bill which showed us £90 in credit - which they sent us a cheque for!! Is there a rule about them asking for a bill to be paid that's over a year old?" Any advice greatly appreciated!!