well guys, after a long break away from the computer and, a lot of letters from lowells stating they were still looking for the original credit agreement, I've just got a letter through the post reading: After liaising with Barclaycard in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from barclaycard Now, I know the amount owed is still there but, I was wondering what action, if any, should be taken? I also note that they have not returned the £1 sent for the credit agreement

The original debt was with barclaycard in the £800 range. Their reply letter was dated 5 Dec so, would that mean they have until 20th dec (business days)to supply the documents?

Hi there Not sure if this is the right section to post in but here goes. I've requested a copy of my CCA from lowells as they claim to have bought a previous debt of mine. they have sent a letter in response but, I am unable to post a link as I haven't made enough posts on this forum. It says: we are in receipt of your request for a copy of your credit agreement in accordance with section 78(1) of the consumer credit act 1974. We are requesting a copy of the agreement from the original lender with whom you originally entered into the agreement together with statements. Whilst we endevour to reply with the required information within the prescribed 12 day period under the consumer credit act you will appreciate this is dependent upon receipt of the information from the original creditor. We will advise you further if it will take longer than the prescribed period. When lowell purchases a debt from a client we issue a letter of assignment to the customer which fulfils our legal obligations under the law of property act 1925. This letter was sent to you on the 23rd April 2010 and we enclose a copy for your perusal and retention. We would not normally issue a specific deed of assignment unless the matter had progressed to court action. The copy of the letter that they claim to have previously sent was never received as, the address is my parents. Also the amount on it is the same then as it is now(surely they would have added costs over the course of 2 years??) The first letter I received from them was when I returned to the UK from living abroad. It contained a supposed letter from the original creditor on their headed paper but, as far as I can tell the letterhead is not an original and, it is marked page 1 of 2. Sorry if this is a long winded post but, could somebody out there let me know what the next course of action should be? I am in the process of requesting a copy of my credit file to see if they have added a default of their own as, the debt is nearly 6 years old. Thanks

Yes the date of transfer will be current. Do you know what the situation with tax owed would be? Would it be the straight £80 fine or would the road tax be back dated to the last valid tax disc issued?

I know this is off topic for this forum but I'm just after a little advice. My partner and I moved away from the UK in 07, taking with us our car. This was never declared for perm export with the DVLA so, as far as they're aware it's still driving round the UK with no tax etc. I am about to sell the car and would like to know about the ramifications of sending back the VC5. Can they refuse to change ownership of the vehicle due to outstanding taxes? Would the new owner be liable for any fines 'owed'? Any help on this would be appreciated.

Thanks for that Tony. Registering it here in Greece is a non starter due to their silly policy (that they're fined for by the EU) of having to pay through the roof import costs. I think on a 91 mr2 the cost would be something like 10,000€ Totally not worth it. Think we may just have to leave it here at my partners parents and just use it for holiday transport.

Hi Hopefully this is the right forum to post this question in. My partner and I moved from the UK to Greece some years back and, with all the current turbulance are wanting to move back. When we moved we took our car with us but, failed to notify the DVLA of its perm export. As it's now no longer taxed, insured or holding an up to date MOT, how would we go about bringing it back into the country. I understand it not being taxed all this time will pose a problem. Would it be possible to transfer the ownership to my name and avoid any fine for this this way?