Carter/lowells Claimform for old Co-oP credit card

[MandM]

I'm getting this SAR out tomorrow. If they provide it, theres a chance of PPI etc?

 

And if they can't?

 

Then...........still don't panic

 

You'll get sound advice on here

[Tim-S]

Thanks guys

 

Just to clarify, this SAR won't reset the SB clock?

[dx100uk]

no

 

go do some reading around

 

and stop panicking

[Tim-S]

no

 

go do some reading around

 

and stop panicking

I think I've been doing too much reading.

[fletch70]

It is easy to get confused , but no a SAR is a SUBJECT (i.e you) request.

You are asking for what they hold on you .

 

On another site i have someone worried about a CCA resetting the clock but they are being given rubbish advice about sending various letters. makes my blood boil

[mikeymack2002]

typically on noddle you have

status history

balance history

limit history

statement balance

payment amount

each has a tiny blue arrow

look for it and click it

 

 

This sometimes can be viewed when you go to print preview it gives the whole story, I found this out when this happened to me, no harm in trying, but don't print it off just view, then you see most of the missing stuff.

 

 

MM

[Tim-S]

So, i ignored the letter and recieved another letter today from Bryan Carter, reading:

 

 

 

Date: 27th Feb 2014

 

Our Client: Lowell Financial Limited.

 

Account: XX

 

Dear XX,

 

As you have failed to make repayments on the above account we have now issued litigation proceedings in the County Court. You will receive the claim for in the next 48 hours direct from the court.

 

The claim form will show the following items have been added to the debt:

 

Principal balance: £1104.89

Interest: £79.71

Court Fees: £70.00

Solicitor costs: £55.00

Outstanding balance to pay now: £1104.89

 

You can telephone us to discuss this matter.

 

Please note that the claim includes the additional items set out above which Lowell Financial Limited is entitled to recover. A proportion of any payment may be allocated to your

principal balance with the remainder being allocated to fees, costs and interest (if applicable). The principal balance only will be reflected on your credit file with the credit reference agencies.

 

If Judgement is entered against you and remains unsatisfied it will remain on the Judgement Register for six years and you may have difficulty in obtaining furter credit.

 

Yours Sincerely.

[renegadeimp]

Carter issues claims no matter the validity of the debt. Once he recieves your defence, he basically throws it back to lowells and says " you deal with it, i want nothing to do with it now".

[dx100uk]

nows the time to send the a CCA request to him.

 

whats the due date of your sar from the co-op?

 

dx

[Tim-S]

nows the time to send the a CCA request to him.

 

whats the due date of your sar from the co-op?

 

dx

I just ignored it all and didn't send anything out. Just buried my head in the sand instead.

Edited March 1, 2014 by Tim-S

[dx100uk]

that's ok on the cca get it off now

 

so no sar to co-op on route then?

 

dx

[Tim-S]

that's ok on the cca get it off now

 

so no sar to co-op on route then?

 

dx

No. I hoped it was just another threat.

[dx100uk]

get that sar off too then

 

dx

[Tim-S]

get that sar off too then

 

dx

So the court letter should arrive Tuesday?

I'll be back when it does.

Probably not relevant, but now it's at this stage, will it go to court, or can they still back down and pass it to back to Lowell?

This I assume will also affect the SB clock?

[renegadeimp]

Carter will always back down when you file a defense. He's a muppet for hire and love the easy route instead of the hard one. Even when the claim is issued, you still have a fair amount of time to do things, just make sure you stick to the timeframes.

 

With regards to the SB clock, yes. When a claim is issued, it over rides the SB clock, unless the debt was already SB.

[Tim-S]

Carter will always back down when you file a defense. He's a muppet for hire and love the easy route instead of the hard one. Even when the claim is issued, you still have a fair amount of time to do things, just make sure you stick to the timeframes.

 

With regards to the SB clock, yes. When a claim is issued, it over rides the SB clock, unless the debt was already SB.

So my defence is the CCA?

 

It was 5 years into it.

 

So if he backs down it will go back to Lowell and possibly be passed around again?

 

And it will do this until it's satisfied?

[renegadeimp]

Deal with things one at a time. IF a claim is issued there are still a lot of things to be done by both sides. Which is why youve been advised to get the cca and sar off.

[Tim-S]

Deal with things one at a time. IF a claim is issued there are still a lot of things to be done by both sides. Which is why youve been advised to get the cca and sar off.

The SAR goes to the co-op.

Does the CCA go to carter or lowell?

[dx100uk]

send it to lowells

 

carter will as usual simply ignore it

 

dx

[fletch70]

Hi Tim

It is a shame that you didn't send the CCA off before but please do not ignore any letters you get now.

 

Just to give you an idea from when you receive the claim you will have 14 days to acknowledge it, another 14 days to get a defence together and if lowells can not provide the documents straight away some more time. The exact time will depend on the date of the claim.

 

Get that CCA off Monday and when you get the claim there will be other documents you can ask for but we will need to see the particulars of claim.

[citizenB]

As soon as the claim form arrives, can you please let us know the date of issue on the claim - top right hand corner of it. And also let us know exactly what it says on the form.. eg, the reason they have issued the claim.

[citizenB]

Have you established when the last payment was made to the account ?

[Tim-S]

Hi Tim

It is a shame that you didn't send the CCA off before but please do not ignore any letters you get now.

 

Just to give you an idea from when you receive the claim you will have 14 days to acknowledge it, another 14 days to get a defence together and if lowells can not provide the documents straight away some more time. The exact time will depend on the date of the claim.

 

Get that CCA off Monday and when you get the claim there will be other documents you can ask for but we will need to see the particulars of claim.

OK. I have just typed out the SAR and CCA.

Headed the CCA with "I do not acknowledge any debt to you or any company you claim to represent"

 

I'll get them both out tomorrow first class recorded.

[Tim-S]

Have you established when the last payment was made to the account ?

No

, nothing on Noddle.

[fletch70]

OK. I have just typed out the SAR and CCA.

Headed the CCA with "I do not acknowledge any debt to you or any company you claim to represent"

 

I'll get them both out tomorrow first class recorded.

 

Good boy ! Woof woof lol