Carter/lowells Claimform for old Co-oP credit card

[Tim-S]

And if they can/can't provide this?

Come to think of it, it's the Co-operative back it belonged to.

What will happen if they can or can't provide the SAR?

[dx100uk]

dunno get the info first.

 

so its not hbos but the co-op

send them the SAR.

 

its within 6yrs and its still active

sy law they must still hold your stuff.

 

dx

[theoldrouge]

Anything on noddle under closed accounts? Was the Amazon Card related to Smile (coop bank)?

[fletch70]

No one seems to have mentioned a S78 request

 

Get this off ASAP if you haven't done that. Send it to lowells but also send a letter to Bryan Carter saying prove it and that you have just sent a S78 request off

[fletch70]

By the way, no compliance with a SAR stops nothing but non compliance with a S78 request will stop them enforcing until they do and it might show up a flaw in the agreement

[dx100uk]

post apr 2007 probably why?

 

dx

[fletch70]

Well last payment was April 2008 probably hence the interest in issuing a claim.

I do not think it says anywhere the date the card was taken out

 

Regardless of when the card was taken out they still have to produce a S78 agreement to gain enforcement

 

When was the card taken out?

[dx100uk]

post 11

dx

[fletch70]

Yes just seen it but I would have thought still worth a shot.

 

I have at least one default on my credit file where the open date some months after the actual agreement was signed . Not much of a hope but some hope I would have thought

[dx100uk]

well I was more thinking upon the lines of not at this stage poking uncle brian

 

get the info ... then you know which place to poke him in.

 

dx

[fletch70]

Point taken. maybe an idea.

[Tim-S]

No one seems to have mentioned a S78 request

 

Get this off ASAP if you haven't done that. Send it to lowells but also send a letter to Bryan Carter saying prove it and that you have just sent a S78 request off

This is getting confusing.

So:

 

Send a SAR to the Co-op

Send a S78 to Lowell

And a prove it to Bryan Carter?

[fletch70]

Sorry to confuse. I am not so sure now.

 

SAR will do no harm.

I suppose the question is, are you sure it is the amazon card and do you know if the start date on your credit file is accurate.

 

There seem to be some discrepancies over the amount that's.why i am asking

[Tim-S]

Sorry to confuse. I am not so sure now.

 

SAR will do no harm.

I suppose the question is, are you sure it is the amazon card and do you know if the start date on your credit file is accurate.

 

There seem to be some discrepancies over the amount that's.why i am asking

No, I looked on my credit file and the "Halifax" I think Is the Amazon card.

There are 7 different defaults, all from the same time where things went wrong.

I think it's the co-op, but I had 3 different accounts with them. I have 2 other letters of Lowell from the other 2 accounts, but they don't seem to be as serious.

I threw out previous paper work, so by sending a SAR, how do I distinguish between the 3 different accounts, by writing the amount maybe?

Thanks

[Tim-S]

Will this suffice?

 

Dear Sir/Madam

 

 

DATA PROTECTION ACT 1998 - Subject access requesticon

ACCOUNT /REF NUMBER: Ending ....- Balance £1,xxx - Account Start date: xx/11/2007

 

 

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.

 

This Subject access requesticon includes - but is not limited to any data you hold about me in respect of any matter and held in any form including; statements, notes, screen notes, recordings, internal correspondence and external correspondence. Please note that this Subject Access Request is not limited to the account/reference number mentioned above but that number has been provided purely as a starting reference for you.

 

For the avoidance of doubt, and as stated above, this Subject Access Request requires disclosure of ALL personal data which you hold on me for the entire period of my dealings with you

 

I enclose the statutory maximum fee of £10. You have 40 calendar days in which to comply.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return.

 

If I do not hear from you then I will assume that this Statutory Request is satisfactory and that the 40 day timescale has started.

 

Yours faithfully,

[dx100uk]

just click the sar

 

let me go find out who financed the amazon card.

 

I would NOT at this stage send anything to carter.

 

dx

[Tim-S]

just click the sar

 

let me go find out who financed the amazon card.

 

I would NOT at this stage send anything to carter.

 

dx

After backtracking and looking at my shameful credit report, i have come to the conclusion that is isn't Amazon but a credit card supplied by The Co-operative bank. The Amazon credit card will be staute barred later this year (Halifax).

 

I have 3 different accounts with The Co-op, all now with Lowells. The 2 aren't serious yet, the 1 is. I only have the reference numbers of the 2 not so serious 1's (i threw the other away a few weeks ago).

[dx100uk]

no bother

just get that sar

with a £10 PO.

 

that'll give everything they hold

you do not need ANY numbers.

 

dx

 

dx

[Tim-S]

no bother

just get that sar

with a £10 PO.

 

that'll give everything they hold

you do not need ANY numbers.

 

dx

 

dx

I'll get that send off Monday. What will this achieve? Do i need to tell Bryan anything?

[dx100uk]

just to also get things back on the right track...

 

that letter in post 5

is the first of a series

 

from carter

 

did you get other letters from freds etc already?

 

long way to go in the threat-o-gram track

 

dx

Edited February 1, 2014 by dx100uk
missing text

[dx100uk]

I'll get that send off Monday. What will this achieve? Do i need to tell Bryan anything?

 

as already explained

an sar will give you all the statement

this will tell you why they dold it

 

prob the balance has penalty charges {£12 fee for everything]

and poss PPI.

 

.......................

 

as for carter...to date

 

did you get previous letters from freds etc about this same debt...

[Tim-S]

as already explained

an sar will give you all the statement

this will tell you why they dold it

 

prob the balance has penalty charges {£12 fee for everything]

and poss PPI.

 

.......................

 

as for carter...to date

 

did you get previous letters from freds etc about this same debt...

Is that long gone, or can that be used to offset some of the debt?

 

Yes I think so, maybe a year or more ago. Its been passed around.

[dx100uk]

if your cra file is correct

then most of the PENALTY charges will be within 6yrs from today

[or the date you request them back]

 

there is NO time limit on PPI reclaiming.

 

if you had nowt from freds/lowells/etc about this debt in the last say 6 weeks

and it is a years ago.

this letter is what I thought

 

a speculative 'poke' to make you react and contact them ...don't!

watch for them getting your phone number too

 

never EVER discuss your debts on the phone.

 

dx

[oleg]

I ignored exactly that Carter template and advised others to do likewise. Nothing followed.

Yes it's a very deceptive trick from Fredrickson (sic). Note the wording, they have been "instructed": doesn't mean they'll "obey".

It saddens me to see so many peeps here urging you to fall for the trickery.

As regards Coop, they routinely used to send out account termination notices the same day as default notices, making a nonsense of the aim of the DN. Totally out of order and so challengeable in court, if it should come to it.

Earlier in the thread, there was speculation about when the DN would be issued. With Coop at that time, it would follow just one missed payment. Again, completely out of order.

Coop disposed of loads of delinquent accounts on Lowell for a pittance when they found themselves in a mess following their

disastrous acquisition of Britannia BS: it is to be hoped that they get no more than a pittance back but, unfortunately, no doubt many scared victims caved in to Lowell.s standard threats.

[Tim-S]

if your cra file is correct

then most of the PENALTY charges will be within 6yrs from today

[or the date you request them back]

 

there is NO time limit on PPI reclaiming.

 

if you had nowt from freds/lowells/etc about this debt in the last say 6 weeks

and it is a years ago.

this letter is what I thought

 

a speculative 'poke' to make you react and contact them ...don't!

watch for them getting your phone number too

 

never EVER discuss your debts on the phone.

 

dx

I've had 2 letters every couple of weeks, but I'm fairly certain that for the other 2 debts. This has been the last few months.

Not 100%, but I'm think so.