Lowell - again sorry

[marj81]

Hi all...

 

there are just too many posts about Lowell to fond what I am looking for!

 

My problem is that I have agreed to pay a debt with the promise of wiping it off my credit report (although couldn't find it on there tbh)..but I have agreed to pay more than I can really afford and would rather not pay it at all lol

 

Any help would be greatly appreciated

 

Thanks

[postggj]

Please Give Us Some More Info

 

Is It A Loan

Credit Card

Etc

 

How Old Is The Debt

 

Believe Nothing And Never Call A Dca

[marj81]

Hi thanks for the reply....the debt is from a credit card (and includes huge amount of charges) and is around 4 years old now.

[silverfox1961]

Whatever the Leeds Losers tell you over the phone will be at best a mis-statement, more probably a lie.

These (loosely called) people have no morals and they will say anything to get your money.

 

This is why the advice is always to communicate in writing. They cannot bluff their way around in print.

 

Once you have answered Postggj's questions, we can help more.

 

fox

[postggj]

Who Was The Credit Card Provider

[silverfox1961]

My immediate advice is to SAR the OC (not CAP1 is it??) and reclaim all the charges from them which will reduce the debt a bit and CCA the lowlifes to see if they have the right to be collecting this debt.

 

Were you defaulted?

Was the account terminated?

Did you receive a Notice of Assignment?

[marj81]

It is a credit card debt form HSBC and it started at just over £1400 and is now just over £1100.....the account has been closed for four years so I am guessing that is the age of the debt

[postggj]

Give Me 5 And Ill Post Up Some Templates To Get The Ball Moving

[marj81]

My immediate advice is to SAR the OC (not CAP1 is it??) and reclaim all the charges from them which will reduce the debt a bit and CCA the lowlifes to see if they have the right to be collecting this debt.

 

Were you defaulted?

Was the account terminated?

Did you receive a Notice of Assignment?

 

 

I really don't have a clue what this means sorry (baffled)

 

When you say a Notice of Assignment I would assme that you mean from HSBC??? If so then I have moved alot since then so no I have not anything like that. I do not know about defaults sorry

[postggj]

FIRST OF ALL

 

SEND THIS TO LOWELL BY RECORDED DELIEVERY

 

ENCLOSE A £1 POSTEL ORDER

 

 

Letter requesting a copy of your agreement - It should be sent with a £1 postal order and sent recorded/guaranteed delivery - It should be sent to whoever OWNS the debt, the timescale for providing this is 12+2 WORKING DAYS. If it is not sent within this timescale they are in default of your request.

 

 

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77 TO s.79 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name

[postggj]

As Stated

 

The Letter Above Goes To Lowell

 

Ill Now Post Up A Letter To Go To Hsbc

 

Again Recorded Delievery

[marj81]

FIRST OF ALL

 

SEND THIS TO LOWELL BY RECORDED DELIEVERY

 

ENCLOSE A £1 POSTEL ORDER

 

 

Letter requesting a copy of your agreement - It should be sent with a £1 postal order and sent recorded/guaranteed delivery - It should be sent to whoever OWNS the debt, the timescale for providing this is 12+2 WORKING DAYS. If it is not sent within this timescale they are in default of your request.

 

 

Your Address

 

Date

 

Dear Sir/Madam

 

Re:− Account/Reference Number 4563210025897412

 

This letter is a formal request pursuant to s.77 TO s.79 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.

 

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

 

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

 

We look forward to hearing from you.

 

Yours faithfully

 

 

print your name

 

OK so forgive me for being an idiot but I have to find out my old aco**** number to put on the form right???

 

And also does any of this still make a difference even though I have already agreed to pay it???? and I cannot stop paying it can I????

Thanks again

[marj81]

Just realised that I send this to lowell!!!!

 

sorry lol but the bottom questions still stand

[postggj]

[your address]

 

 

 

[their address]

 

 

[DATE]

 

 

 

Data Protection Act 1998

Subject Access Request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

 

Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time.

Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you.

The Subject Access is not limited to my transaction history and it is not linited merely to 6 years of historical information.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my financial business with you.

 

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject Access Request, I shall also be reclaiming the enclosed £10 DPA subject access request fee.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

I would be happy to collect the Data from my local branch.

 

 

Yours faithfully,

 

 

[signature]

 

 

[name]

 

 

THIS ONE GOES TO HSBC

 

 

 

 

THE CCA REQUEST SENT TO LOWELL

 

WHEN DID YOU SEND IT

 

DID THEY CONFIRM RECEIPT AND WAS IT SENT RECORDED

[marj81]

thats brilliant thanks and will get on with that but just to check the last question again....I agreed to make payments direct from my bank monthly to Lowell for this debt and have made 3 so far....so there is no way to stop this right? And does thids process still mean anything as I have agreed already?

Thanks again

[postggj]

When Is The Next Payment Due

 

AGAIN

 

WAS THE CCA REQUEST SENT RECORDED

AND HOW LONG AGO WAS IT SENT

[marj81]

Next payment due on 01st or 2nd December

 

You are going to get sick of me in a minute lol but what CCA are you talking about

[postggj]

In Post 13

 

Have You Sent The Cca Request Post 10 Allready To Lowell

 

Yes Or No

 

If Not

 

Send By Recorded Asap

 

They Have 14 Days From Receipt To Send You The Agreement, If Not, You Then Can With Out Penalty Cancel Any Dd

If They Have Your Card Number

 

Get A New Card

[marj81]

OK I think there was a bit of confusion sorry...I realised that I had to send it to Lowell (not sent it lol)

 

Will do this and will get back to you if I need to

If nothing else it has kept other peoples interest so must have been a few people wanted to know the same thing!!!!

 

Thank you for all your help....it is priceless

[postggj]

KEEP Us Updated

 

Even If No Agreement, Lowell Will Try There Luck

 

Most Of Us Have Been There So You Are In Good Hands

 

REMEMBER

 

CCA REQUEST TO LOWELLS

 

SAR TO HSBC

 

Regards

[marj81]

Lol....you have realised how little idea I have about this now

 

Cheers mate and will keep you updated either way