Lowell and ShopaCheck REcon CCA return

[accesspwd]

I started receiving letters from a collection agency for a loan taken out in 2009

 

This loan defaulted hence the letter from the DCA. I sent a CCA request which I received today and the agreement has not been signed

 

What is the next step? I believe there is a template letter for me to send but I can not remember where to find it

 

Thanks in advance

[dx100uk]

lets see it please

 

 

and name names

 

 

dx

[accesspwd]

Below is the letter from the DCA Lowell:

 

 

And this is the CCA they sent me, you will see that I have blanked out my personal details, and you will also notice the signature box is blank.

 

[dx100uk]

welcome finance doorstepper loan then

 

 

so you sig is nowhere on that doc?

 

 

obv you had the loan?

 

 

was this the only one with them?

 

 

dx

[accesspwd]

The loan was received - There was another piece of paper but that was just the terms and conditions. No area to sign etc.

[dx100uk]

so why did shopacheck sell it on?

 

 

did you stop payments or something?

 

 

and when was this

 

 

dx

[accesspwd]

Well I actually fell out with the guy on his first visit and I refused to pay him again unless someone else came for collection of the money, nobody ever came back and that was in 2009.

 

I have started to receive these letters so sent the CCA request

 

Lowell have replied showing the reconstituted version (one thats not signed and essentially not original) - Surely this has no legal standing? and there is a statute barred letter to send them now?

[dx100uk]

cant be SB'd unless you are in Scotland?

 

 

and a recon is quite ok on a CCA post apr 2007.

 

 

ensure the dates and the T&C's match the time of your agreement

 

 

dx

[accesspwd]

Thanks for the help

 

A recon since 2007 is ok? What makes them OK if they dont contain a persons signature?

 

I dont have my copy of the original agreement, but can only assume the dates are correct

[dx100uk]

changes to the CCA act. at that time

[accesspwd]

I find that very confusing - They can send a any agreement to anyone and call it a recon then the person is liable, are they not?

 

So where do I stand now with what they have sent me?

[dx100uk]

but its not any agreement

its a recon of the one your signed

and had the money for.

 

 

you need to go over the T&C dates and check they match the date you took it out.

 

 

their must be something wrong mind

else it would not have been sold.

 

dx