lowell advice

[gobby009]

got a letter from lowells today saying they have closed one of the accounts because they cannot get a cca.can i get the default on my credit score taken of for that account and if so hows it done.thanks

[BRIGADIER2JCS]

Hi, No not having the CCA does not mean the default will be removed and there is no legal reason I can see for that to happen.

The only possibility for such an action is to ask Lowell to remove it as a gesture of 'goodwill' there is of course no guarantee this will be successful.

[dx100uk]

you ideally need to split these 7? accounts up to sep threads.

 

the ONLY way to get the markers removed is by reclaiming penalty fees on EACH account.

 

IF the penalty fees were the SOLE cause of the defaults then they must go.

 

if they did claim to send you a DN, if the DN total inc penalty fees, then it is invalid.

 

dx

[gobby009]

got another letter of lowells today saying they have closed the second account aswel.so i havent been contacted about the other 5 accounts they defaulted me on so guess i just sit and wait for them to contact me about the other 5 then send cca reqs for each account.or would it be advisable to send them a sar.or just let sleeping dogs lie.

[BRIGADIER2JCS]

Another result, yes just let them work through the others.

[dx100uk]

oh its good when you buff off lowells...

they must be spitting teeth

 

dx

[gobby009]

been getting phonecalls to call fredrickson international ltd about a lowell account.

 

didnt contact them but sent a cca request off with the pound postal order.

 

got a letter back from fredrickson today returning my postal order and telling me i must request the cca from their client"lowell" direct.

and stated that they have placed this account on hold for fourteen days to make the request to lowells

and after this time debty collection activity on this account may resume.

 

i made the postal order payable to fredrisckson,

 

can i get this changed or do i have to buy another postal order to send to lowells.

 

also should i include a copy of this letter from fredrickson with my cca request.

 

any help would be appreciated.thanks

[BRIGADIER2JCS]

Freds must pass the request to their client, if they insist on this procedure refuse to deal with them at all.

[gobby009]

wow these are coming thick and fast now

 

.got a letter from past due credit solutions today about the catalouge account capquest have on me.

 

says formal demand then th eusual jargon must be paid by 3rd of august if you cant pay it contact us blah blah.

 

do i just send the cca request to pastdue solutions or capquest?

 

any help would be appreciated

 

.thanks

[Bazooka Boo]

Do nothing, lodge a formal complaint with the OFT & TS.

 

The use of multiple DCA's to collect one debt is childish and against the OFT;s own DC Guidelines.

[gobby009]

thanks for your advice bazooka

but this isnt about the same account.

 

i have 7 defaulted catalouge accounts lowell has defaulted me on all 7

but im only now dealing with them thanks to this website and its informatve users giving great advice

 

lowells has closed 2 of the accounts due to no cca

 

but capquest has probably bought an account off lowell and instructing pastdue to collect it

 

im guessing i will send a cca request to pastdue and inform them they are legally bound to seek one form there client.

 

is this correct.

[Bazooka Boo]

Aha, I'm with you now....

 

Yes you are correct CCA pastdue (for retirement) and see what you get back..

[gobby009]

update:

 

sent pastdue a cca request

sent lowells a cca request from the fredrickson account

 

recieved 2 letters of lowells today for 2 of the cat accounts

 

stating you have not paid your account as you have failed to repay your account it will be sent todebt managers

who are one of our approved dca they will be instructed to pursue you for this debtall contact and coorespondence should be referred to this company from 1/08/2013

 

.prior to this date you can still contact us and make arrangements to repay your account by offering payment in full

 

or setting up a monthly repayment plan.if you do thios your account will not be transferred to the debt collection agency named in this letter.

 

 

so iv sent 2 cca requests for the above accounts to lowell hoping they get them by the 1st

or am i right in saying they will have to produce one anyways

even if they transfer the accounts?

 

any advicew would be appreciated.thanks

[dx100uk]

bet you're scared.......

 

about time you split these debts out to their own threads.

 

dx

[gobby009]

so the 2 lowells accounts mentioned above

 

had replys from lowells after sending them the cca requests.

 

couple of letters stating they have asked shop direct for the cca

then usually the letter after those its usually a closing of the accounts

 

.but the next letters state there still trying to retrieve the cca from there archives

and when the recieve it they will be intouch straightaway and

 

state we wont write to you again until we have the aggreement.

new tactic rather than a closing of the account.

 

today i recieved a letter about the fredrickson account from bryan carter solicitors llp

saying i have 14 days to pay it in full or they wil recomend that court proceedings be issued without further notice

 

.its kinda funny because the letter from bryan carter solicitors has lowell as there client

then says we have been instructed by fredrickson international

.is bryan carter just another cog in lowells threat machine that has no weight.

 

any advice on how to deal with this bryan carter letter,ie: send them a cca request to shut them up.

[dx100uk]

Wescot/phoenix/freddies/carter all owned by lowells.

 

dx

[gobby009]

recieved an office copy of a credit agreement between me and shop direct from lowells this morning for £857 pounds.saying they look forward to my proposals for repayment withing the next 14 days.it was sighned by me on the 9/04/2010.can someone advise on the best way to deal with this.thankyou

[dx100uk]

scan up the cca please

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[dx100uk]

prob might be an idea to start splitting these various debts off too.

into sep threads

dx

[BRIGADIER2JCS]

recieved an office copy of a credit agreement between me and shop direct from lowells this morning for £857 pounds.saying they look forward to my proposals for repayment withing the next 14 days.it was sighned by me on the 9/04/2010.can someone advise on the best way to deal with this.thankyou

This sounds odd 'an agreement' for a specified sum from SD, is this a store card?

[gobby009]

sorry for the misunderstanding there.the the amount is o£857 is on lowells letter not the credit aggreement.il try and upload it.althout the credit aggreement has a catergory called key financial information

1.amount of credit 618.28

2.duration of payment 52 weeks

3. total amount payable 737.35

etc.

[dx100uk]

can you make a new thread for this debt please

 

its too confusing dealing with 7 debts on one thread

 

dx