Lowell claimform - mates Cap1 debt - lots of charges

[dx100uk]

sar then

if lowfile re using texts why?

 

 

they could simply issue a claim

makes you wonder why.

 

 

he knows they have no powers and are not bailiffs doesnt he..

[brassnecked]

Thanks DX, Yes and yes,

 

 

it's the solicitors letter full of whats and maybe's that got him,

thinks they got the phone number from the Cap 1 details,

 

 

A nice set of saved txts might be useful after CCA,

is there a template up on CAG,

 

 

I will edit one ready for him in the morning so he can sign and send it,

also get pics of the £1 Postal order endorsed for CCA purposes only,

so it can be proved it isn't to be allocated to the debt to reset any SB clock.

 

 

Card was taken out around 2000/1,

so I think they will ramp up pressure as might be nearing SB,

Once CCA done will tell him SAR to Cap 1 should give date of last payment.

[dx100uk]

you don't sign a CCA just send it using his address

you can do that

 

CCA request

 

 

read ALL the posts

[brassnecked]

Yes of course printed name only, I wonder whether they will try it on with Recon CCA, bearing in mind it might be no good for a claim as it is pre 2007

[dx100uk]

get him to ring cap1 ask last payment date.

 

 

a recon could well meet the cca but ofcourse that doesn't mean its enforceable for court.

 

 

dx

[brassnecked]

Thanks DX have told him to stay off the phone as it would take all his limited PAYG calling credit, and they would lie. but to save any Txts and log from their number missed calls if they phone him to say in writing only. the CCA is to Lowell or their next desk along solicitor ?

[dx100uk]

owner

[brassnecked]

Lowell then as Solicitor is in house looking at the letter with the green crayon headings. These DCA need culling.

[brassnecked]

Here are the letters he had for reference,

 

 

Lowell said all correspondence to Lowell Solicitors,

so CCA on it's way to them later this morning.

 

 

Phone number they want him to ring with no PAYG calling credit is the same for both Lowell and Solicitors.

 

They can txt him as much as they like but he can't afford to phone them anyway.

]

lowelllets.pdf

[dx100uk]

lowells they are the creditor

a sols is not a creditor nor ever can be

[dx100uk]

fwiw those are std threat-o-grams got hundreds of them on debts that went nowhere

[brassnecked]

1: Oops sent CCA to sols,

Proof of posting and pic of Postal order endorsed for CCA purposes only etc.

 

 

But the Sols apparently are Lowell same phone number just diff Po Box,

Lowell letter said all correspondence to Lowell Solicitors,

which made me thing same company different desk,

is it worth him opening a spam catching email account to email lowell and tell them CCA incoming?

 

2: I am of a similar opinion, but as they txted after at least 12 months without phoning, he was worried, so maybe CCA overdue, as debt well pre 2007

 

SAR to Cap 1 soonest also I think probs have to lend him a tenner to do it.

[dx100uk]

let it run

[brassnecked]

Thanks DX, we will see what they come back with, that CCA might deter them for chancing a claimform for now.

[brassnecked]

He's learning, Lowell sols rang him earlier on, he told them in writing only, call recorded, all calls and txts logged from their number and regarded as harassment if continue to call CCA on it's way just as I told him to. He refused to go through any verification etc and ended the call as he said the caller offered to "discuss" ways of paying the account in spite of the in writing only.

[brassnecked]

He had another letter today, dated the day they should have had the CCA Giving 14 days, arrived today so gives him till next Monday to reply or will issue claim

Lowclaimlet.pdf

[dx100uk]

go get him to go ring cap1 and ask last payment date

[brassnecked]

go get him to go ring cap1 and ask last payment date

Will they actually tell him, and does he ring their Customer Services? Yes am wondering when it would become SB.

[dx100uk]

get on with it...........

 

 

dx

[Old Cogger]

have he rung yet?

[brassnecked]

says he is this afternoon when he has calling credit. if not he canuse my phone reckon he wwill get claimform before they respond with CCA. Could he say account in dispute until CCA comes?

[dx100uk]

wont stop a claimform

 

 

but as he's not ringing lowells makes no odds

[brassnecked]

Rang cap 1 for him,

said couldn't give date as sold to Lowell,

said would SAR them as they have added charges etc before sale,

 

the drone said should SAR Lowell as they own the debt,

 

told them no as they added the charges as OC they would be getting it.

 

Agreement was around 2001, Lowell may have an issue there.

 

Will send SAR for him tomorrow, he should have done it ages ago but he said had no spare cash.

[brassnecked]

In view of the above would Cap1 be SAT target or Lowell?

[dx100uk]

nope sars always goto the oc