Another Lowell thread, but slightly different maybe, so please help!

[AndrewWarhol]

deleted

[babybear39]

DO NOT CALL THEM!

 

Request a true copy of the original CCA ( consumer credit agreement) using this letter, ammending as neceassary:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

YOUR ADDRESS

DATE

 

 

THEIR ADDRESS

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXXX

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be used for any other purpose.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

 

Enclose £1 postal order as payment and send recorded or special delivery, stipulating THAT THE ENCLOSED PAYMENT IS FOR THE CCA REQUEST AND NOT FOR ANY PAYMENT AGAINST ANY ALLEDGED ACCOUNT.

 

Hope this helps.

 

Good luck and best wishes,

 

Click my scales if you feel I've helped.

 

BB

[rory32]

Alternative you could save your £1 and send them the following (it is up to them to substantiate any debt, you do not have to prove that you paid it off):

Dear Sir/Madam

 

Account no:

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

 

 

 

(Your Name) Print do not sign

[Ally]

Evening AW

don't call them, you will get more help from wiser heads than mine shortly im sure, but if your not used to speaking to these people or have a lack of info & knowledge they will gain more than you!

 

I would deal only in writing & send recorded & keep copies.

You probably need to send a proof of debt CCA request to Lowell's or A S.A.R to littlewoods P F, but do some more studying on here in the F.A.Q's And other threads before acting hastily,

 

Hope this is a little help more will be on its way im sure

[AndrewWarhol]

hey,

 

babybear and rory, thank you ever so much for those letter templates, they are infinitely better than anything i could have come up with! thank you.

 

and thank you Ally for your advice, it's really helpful.

 

I will think on all your input tonight and send one of those letters tomorrow, and i will most definitely not call them!

 

again, thank you all ever so much for going to the trouble of posting your replies, i really appreciate your input:)

[babybear39]

You're very welcome AW

 

Thanks for the tickles guys