NewDay Ltd / Debenhams Store Card Assigned to Lowells

[dx100uk]

for a 2001 GE storecard I can almost guarantee it was defaulted years ago for one reason or another.

 

 

all those GE cards did.

 

 

you have ofcourse checked that all your old addresses are showing on linked addresses mind.

[ccholland]

I have checked my old addresses are showing and the ones I have lived at since 2000 are but 2 from before 2000 are not showing

[dx100uk]

looks good then

 

 

I'd suggest this was defaulted years ago

only way to be sure is an sar to GE

[maroondevo52]

I've just sent them a SAR to this address.

 

GE Money Home Lending

Building 4

Hatters Lane

Croxley Green Business Park

Watford

WD18 8YF

[ccholland]

Thanks for that address, much appreciated.

[ccholland]

Well the saga continues.......

 

After months of not reporting this on my credit file it now appears and the description is 'credit card' not store card.

 

Do I make contact with Lowell again to dispute this further or should I ignore and let them continue with reporting the incorrect detail?

 

I find it amazing that these companies are allowed to not report an account for nearly 6 months and then all of a sudden start reporting it and there is nothing we can do!

 

Many thanks.

[dx100uk]

Prove it was defaulted more than 6yrs ago

 

Sar to ge money

 

Dx

[ccholland]

Morning dx,

 

 

Thank you.

 

 

Once I have info back from a SAR to GE would I then make contact with Lowell to insist they remove the account from my file?

 

 

Thanks again.

[dx100uk]

If you then have proof it was defaulted long ago yes

 

 

dx

[ccholland]

Ok no worries - will get on to that now.

 

 

Thanks again - will keep you posted if anything comes of it.

[ccholland]

I have today received 2 letters in the same envelope - one from Lowells and one from their next door but one desk away neighbour Fredricksons. Lowell state that as I haven't paid them they have passed to Fredrickson and they state they 'intend' to instruct everyone's friendly neighbourhood 'solicitor' Bryan Carter to take legal action against me!!

 

 

Unbelievable!!

 

 

Do I take the Fredrickson letter as LBA or should I wait to see what happens next?

 

 

Can someone remind me which part of the FCA rules they are breaking by continuing to harass me and threatening legal action whilst they are in default of a CCA request?

 

 

Thanks in advance.

[dx100uk]

no its not an LBA

 

 

not sure the fca say anything directly about no cca preventing threat-o-grams

 

 

dx

[ccholland]

Ok thanks dx - didn't think it was a LBA at this stage.

 

 

Should I ignore them for now then?

[dx100uk]

await the sar me thinks prove it was already defaulted

[ccholland]

Hi

- with regard to the SAR I did one to NewDay ages ago and they sent a load of stuff back inc an internal note that stated the original terms and conditions were not available (post 117).

 

I was going to send direct to GE Capital but they sent me a document which detailed who to contact for certain products, ie, store cards no longer them as all book of business sold

 

. I would have thought they may have something on record but apparently not.

 

When I get a mo I'll post up the doc if you like for others for reference?

 

If they are determined to come after me with all their shoddy paperwork I can't stop them can i?

 

What they have is so deficient and it's really annoying that they deem themselves to be "above the law". Why should someone pay a company who clearly has no legal entitlement to anything.

 

the internal notes state they do not have original docs - how do Lowell propose to get around that one?

 

(That's a question in case they are looking in)!

[dx100uk]

Well if have the sar details already why can't you prove defaulted date from the commercial log?

 

Dx

[ccholland]

I cannot see anything different to the default date of oct last year (sorry if I'm being stupid) -

[dx100uk]

You indicate the debt as defaulted years ago so should not be now showing

Look at the early years in the account/comms log

[ccholland]

Will have a proper detailed scroll through - a:)