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dearyme70

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  1. Thanks Should I sign my name differently to my usual signature? I had to sign my name at the court and put crosses through it in case Lowells got a copy but it didn't seem enough for them not to be able to copy it! DM
  2. Hi 42man There is no key to abbreviations so I have done my best to understand them but it clearly doesn't mention the dates and contents of any letters they have sent me and as you mentioned no letter of assignment. So I am going to write back stating they haven't fully complied with my request and I assume they will be forwarding further information as soon as possible as their 40 days will soon be up. What do you think I should do about Barclaycard? Should I reply to their letter or just show this to the judge if/when I ever hear from the court!!! Thanks again for your time DM
  3. Hi 42man Lowells SAR was lots of screen prints of various sorts and a list of notes but no mention of the letters they have sent me since purchasing the accounts. Also included a page for each account headed "Information for default Debt" listing charge off date etc last two on list are bank a/c amount and savings a/c amount that implies my savings account had exactly the right amount in it to pay off the one debt (I wish!!). There is also a statement of account and a copy of one of the letters I have sent but not the other! As far as Barclays is concerned I understood their letter to imply they think a third party was asking for my information which I assumed was just another excuse to a get my signature and b stall for time. Thanks again for your time DM
  4. Thanks 42man! So are you saying I shouldn't bother replying? I haven't even heard from the court yet about my application to set aside! DM
  5. Hi CAG I haven't heard a thing from the court or Hamptons! I'm thinking of writing to Hamptons saying that as they have not complied with my CCA request and as my SAR request has not been fully complied with I assume they are no longer considering making an application for my bankruptcy as they are unable to do so without the necessary documents. Is this a good idea? Any advice gratefully received. DM
  6. So..... Lowells send me half an effort for a SAR and Barclaycard "require a signed letter of authority from the main account holder in order to accept requests from a third party signed within the last 6 months" They have returned my postal order and yes it's taken them half of their allotted 20 days to tell me this! What a joke! DM
  7. Thanks Catquest! If they can't come up with docs will they stop their proceedings? Or are they likely to continue without the agreement? I am just reading up on charges! Although I have no record of these account numbers I do have many debts with many companies and one link lead to another.... I was always very good at paying the minimum payment before the due date before my life changed in 2009 so I doubted there would be any charges but I do have some overlimit and late payment charges for the time between CCA ing/stopping payments in 2009 and the time that they closed the accounts. Still not sure if I can claim these back but I am still reading!! DM
  8. Hi Folks I have not had any further info on my CCA request from Lowells. They acknowledged receipt of my request and said they had asked original lenders for copies. They hoped to send them within 12 days but would let me know if they didn't hear in time. Lowells have replied to my SAR request but it is obvious they haven't sent everything. There is not one mention of any letters sent to me since they purchased these accounts and I have many many letters!! Their log also shows that they haven't called me in the last two weeks (funny that because I'm getting calls constantly!! - All logged). So I'm guessing I write back to them thanking them but telly them it obviously isn't fully complying with my request and I expect them to send all further information within the required 40 days? What is the situation with this? As I haven't heard anything more is this not proof that they do not have the agreement and therefore should not be allowed to apply for BR without all the documents? Can anyone give me any idea if I'm doing the right thing? Many thanks DM
  9. Hi Folks Can I just ask a quickie? Do I include the quote about costs in my affidavit or is that for a later date? Thanks DM
  10. Cheers Ford I have to get set aside by end of next week. I have had confirmation from Hamptons that they are trying to get original agreement from original creditor which is proof in itself that they do not have the documents they are meant to before the proceed! DM
  11. Thanks Ford They are credit cards one original barclaycard the other account bought out by BC. DM
  12. Thanks so much 42man! I am going to SAR them both and CCA Lowells. No harm in trying! Can I also ask your opinion on my comment a few posts back please? It says on my SD If I dispute the demand in whole or part I should contact the individual named in part B. That is the now infamous Stephen Hunter who is Head of Compliance at Hamptons Legal. Should I think about also writing to him telling him I have no record of these accounts. I have CCA'd SAR'd Lowells and I intend to defend this all the way? Or should I stay quiet? Cheers
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