Sorry don't understand your reply, can't see why what?

Good morning everybody Hope you are all well and your usual fabulous selves In May 2011 I purchased a suite from CSL and it has ripped at the back of the chair, underneath the place where you put your back so its hidden, i rang the Castelan people and they sent out an assessor who said it was manufacturing fault, I contact CSL and they sent out an service manager who has said it is not a manufacturing fault but its accidental damage. Please note I have no idea how the damaged happened, because you can't see it!!! SO - I have a letter from CSL and another from Castelan both saying the exact opposite!!!! What to do? Its confused me!!!!

Ok thought I would pass on a happy update Sent SAR to Welcome, and at the same time a letter to Lowell pointing out missing prescribed terms. The paperwork came back from Welcome with incorrect date of birth and just before I had a chance to deal with them I got a letter back from Lowells saying they are really sorry but they had got the wrong person, they are removing me from data base and are very sorry for any inconvenience. So that's the end of that then thanks for help and time folks:-)

I had a letter from Lowell's saying they had purchased the debt from Welcome and a letter from Welcome saying they had sold it to Lowell's doesn't that mean they own it? It's a very confusing world I think!!!

He he would love to ignore them but don't they do them statuary demand thingies (think that is what they are called) Due to the missing prescribed terms should I send them a copy of this letter http://www.consumeractiongroup.co.uk/forum/content.php?415-POSSIBLE-Letter-when-a-questionable-agreement-application-is-sent and put a note on it to advise that the signature isn't mine? Also should I continue with the SAR to Welcome because they want me to send them ID Ta

I certainly would like to know who it was that tried to badly forged my signature. Don't suppose I ever will though. Any ideas where I should go from here? Lowell's want me to contact them with a payment plan!!

Hi No I didn't sign it, its not my signature, shouldn't it have prescribed terms on it? like the monetary figure of the interest amount? thank you

Hi DX Thank you for looking for me I have done attachments, had to use felt tip, hope its ok!! I look forward to hearing your thoughts Thanks

Hi All I am still awaiting my SAR from Welcome they have asked me to send proof of who I am, in the meantime I sent a CCA request to Lowell and I have received copy of the agreement today. It is from November 2004 and the last payment was made in September 2008, the statement has lots of capitalization, fee assessments, an such like. The figures are Amount used to settle existing loan 1597.91 Acceptance fee 75.00 Total amount of loan £1672.91 APR is 15% and estimated repayment period is 60 months. There is no total payable and no interest amount in money - should there be? Also it is 100% definitely not my signature. Anyone got any ideas about what I should do now - I thought I didn't owe them anything before now I am even more confused Ta

Ok I will do an SAR to Welcome thanks Is there anything for me to write to Lowells to stop them contact me by phone and letter whilst I am waiting a reply from Welcome? Thank you

Hi All I have done a CRA and it shows the Welcome Loan as settled but with a balance of almost £900.00 this is the amount that should have been settled when I paid them as agreed. I have also received another letter from Lowell today saying they are going to send someone round to arrange to collect payments. What should I do?

Hi DX Thank you for the reply, is a "CRA" the £2.00 report that I can get from one of the companies? Ta

Hi I have received a couple of letters, one from Welcome saying they sold the debt to Lowells and the other from Lowells saying they had bought the debt, both letters came in the same envelope. Now Lowells keep calling my mobile, this is not to much of an issue cause I wont due the security check and they tell me they wont take the call any further, I respond with okey cokey then. Not sure what is for cause I had a car loan with Welcome with Gap insurance the car was wrote off in an accident and I refused to pay the outstanding balance they said I had - thought that was what Gap was for. I also had a personal loan which was paid off - Welcome agreed to write off half if I paid it, I did. Therefore it can only be either one of these balances which as far as I am concerned I don't owe. Can you please advise what letters to send and to who? Ta

Hi I have received letters from the above two companies in the same envelope, the one from welcome saying that the debt has been sold to lowells and the other from lowells saying they have bought the debt from welcome. I am going to send sar and cca to the companies but can you please tell me which to send to who? ta muchly

Yes the ticket was at a retail park