Thanks dx

Thanks every one, Only took 32 Months to get this far. I am still getting phone call from random debt collectors but I don't pick up the phone. I am a little confused as to what will happen now. Will lowell come back after me again or will another debt collector come after me for the money?. Made a small donation thank you. Regards

Reply from Lowell Dear Mr xxx Your credit agreement We refer to your request for a copy of the original credit agreement for this account. After liaising with Shop Direct in an effort to obtain this document we have been advised that it is no longer available due to the time since the account was opened with you. We are closing your account at this time we have closed our file and will not make any further contact with you concerning payments against this account unless the copy of the agreement is received at some point in the future from Shop Direct. if you have any questions please contact us via phone.

Thanks dx, Lowell have put me on it in Oct 2014 default by February 2015 the debt went up by £96 app. Regards

Hi dx Regarding "is this on your credit file?" is that my credit report you were asking about? I could apply for a £2 statutory credit report online if that helps Regards

Hi dx I have no idea ? Regards

Hi dx Thanks Could lowell or another debt collection company still get the agreemet later on and still go after me? Could I offer lowell 12% full and final settlement of the debt before the 12% is gone to end this?. Or would that make my situation worse? Regards

Hi 12+2 Days are up today no credit agreement from lowell. What are the implications of this to me if anything could they still take me to court over this catalogue debt. Also puzzling me is I have been getting phone calls from 1st Credit "I did not awnser them" as apparently they also buy debts off other people. Not sure whats going on. Regards

Hi dx, Thanks, they got it on the 12 March so by 2nd Apr. Regards

Hi, Got a letter from lowell last week saying they have been in touch with shop direct regarding the CCA also saying shop direct have to let lowell know if they are trying to retrieve the agreement and if they can't obtain a copy they will write to inform me. Also saying once I have seen the agreement they will ask me to pay the outstanding balance in full. CCA was delivered to Lowell and the 12 days is up today by my calculations. Regards

Thanks Mike

Hi Lowell say they have requested a copy of the credit agreement from the orignal lender and will let me know if they do not hear from them in time. What are the implications of this to me if anything?. Regards

CCA "section 78" posted today 1st Class royal mail recorded signed for tracking Added "I do not acknowledge any debt to your company." PO sent blank and crossed, I added on the back: 'for statutory consumer crediticon Act agreement copy £1 Fee ONLY' not to be used as any payment against any alleged debt. Regards

Hi Andy, Sorry but I can't find the template Got it Andy Thanks

Hi Can you tell me is this the correct CCA to send them for a catalogue : Removed