Lowell chasing 3 merged cat debts - help

[hotc25]

Hi

 

I have a lowell problem !!

 

they are trying to collect and

 

i sent them a cca request the 12 + 2 days passed

 

then sent them the account in dispute letter and

 

then i have received their response

 

 

Dear Sir

 

We thank you for your letter in which you state that we have failed to comply with your request for a copy of the credit agreement

in accordance with section 77 - 79 of consumer credit act 1974

 

Please be advised that,

under the terms set out by The Consumer Credit Act ,

a creditor has an initial twelve days to provide the documentation requested .

 

After this time limit has passed your account is placed on hold and no collection activities will take place until as the requested documentation has been provided .

 

You will,however,continue to get updates from us with regards to your request .

 

We hope that the above meets with your approval and apologies for any inconvenience caused

 

END

 

just wanted to know what to do next please any advice

 

thanks

[ims21]

If it were me I would not pay them anything until they comply.

 

Who is the original creditor?

 

Can you tell us the story behind this?

[hotc25]

well its littlewoods or shop direct its from about 4 years back there are 3 amounts they are trying to get all for shop direct company

[dx100uk]

so they've merged the three into one sum?

 

 

naughty.

 

 

what does your CRA file say about these debts?

 

 

see below

[hotc25]

no they are trying all 3 amounts not in one but 3 letters and i cca them all and have received the same response from all three . i have not looked at my CRA file

[dx100uk]

do it

 

 

 

 

dx

[hotc25]

well they have now sent me 2 of the cca requests and a break down of the sum total amounts ,so what do i do now do i set up a payment plan ?

[Bazooka Boo]

All depends on what the CCA's say and whether they are compliant or not.

 

The only person I would be paying is the cat, if you want to pay lowlifes anything then it would only be £1 a month for the life of the debt.

[dx100uk]

did you get your CRA file?

 

dx

[hotc25]

Does anybody have a template of a letter to a debt company asking to accept a payment plan ?

[hotc25]

no still didn't look at my file , still scared to open that can of worms

[hotc25]

well how would i know if the cca are compliant or not , let me guess that would be on my file

[Bazooka Boo]

Check your CCA files, it is the only way you will know exactly where you stand with all of this.

 

Can you scan and post up the CCA's you received off them?

PLEASE ensure you remove ALL identifiers before you post them up.

ALL ID, ALL barcodes, ALL reference numbers, ALL funny little boxes.

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

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

but leave all monetary figures and dates.

.

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

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

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

.

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 http://www.freepdfconvert.com/

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[hotc25]

ok the doc works not the attachment

Edited January 7, 2014 by hotc25

[dx100uk]

that's ok and has the bits it needs

 

just upload the pdf's

 

no need to drag a link into the msg text

 

dx

[hotc25]

i just don't understand the break down of the £617.92 amount . It says no orders were placed but payments were made but the amount was adjustments

[dx100uk]

I think you need to start a thread for each one

 

and post up what you have.

 

'most' cat debts are heavily inflated with PENALTY fees

 

etc etc

 

dx

[hotc25]

ok checked my credit file and lowell is listed as the 3 debts but i see 2 other from shop direct that show are closed as satisfactory ?

[Bazooka Boo]

The two that are closed/satisfactory are because they (Shop Direct) passed/flogged it onto Lowlifes to chase, and there can ONLY be one default per debt being reported at any one time.

Has the default date remained the same?

[hotc25]

not the default date but it seems the date shop direct and lowell updated the acc

[hotc25]

ok the dates show as started and settled on the shop direct two with no default dates

[Bazooka Boo]

OK, the entry Lowlifes marked should only be that they have 'updated' the file/account, which would be correct.

 

It is different if they have changed the date of default to when they were given the account to chase.

As long as that is the same then it should be correct.

[hotc25]

Does anybody have a Letter Template that i can use to arrange monthly payments thanks

[dx100uk]

on what the £617?

 

have you got all the statements of how this debt got this high?

 

dx