This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/05/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

These idiots spoke to you about a debt that wasn`t even yours? Tell your brother to get a copy of their complaints procedure and start the ball in motion. So much for theis `security checks`.

Watching with interest. Equidebt have sent me exactly the same single page, with no interest rates etc. Please keep us informed.

Ooh - Lowells throw a hissy fit. "As a company we are well aware of our obligations in respect of the CCA. However, your guidance is certainly not required and neither do we require certain sections or sub-sections documenting or quoting. Furthermore, blah blah blah". And they have no intention of explaining why they say that they don`t need to supply a signed agreement. They enclose a leaflet for the OFT saying I have six months to complain. No explanation at all for the `phone calls made after my written and verbal instructions not to do so. Just a paragraph to say that 2 weeks after signing for my letter, they removed my number from their records. Lightening quick aren`t they.

I asked them to explain in writing why they thought a CCA was not required. Not a peep from them. Going through their complaints procedures now. 12+2 long gone. Plus 30 very soon.

Brilliant. Those idiots at Lowells will be getting another copy of that from me if I get the court letter. So far, just a copy of their complaints procedure saying that they reply in 5 working days - sent nearly 2 weeks after they signed for the complaint. No CCA, no explanation of why the `phone calls continue weeks after they signed for the letter saying I am not to be contacted by `phone. Are they stupid, or do they hope that we are?.

That`s the letter. Thanks Rory. Just back from the postbox.

And today I get the next standard threat.`As you have failed to contact us (despite their signing for two recorded letters) we have now been instructed (who by?) to appoint an agent in your area to visit your home etc etc`. To prevent this unwanted intrusion I MUST contact them URGENTLY. I think I`ll just send them a copy of the letter I`ve seen somewhere on the site re only the postman and emergency services (??) are allowed to call. What should I expect next from these berks?.

Nothing from these idiots re the CCA, but another `phone call tonight. What part of "I am only to be contacted in writing " are they having trouble with?.

Thanks for that. I may have woken the neighbours with my laughing.

They say it`s from HSBC . I used to have a credit card with them and a bank account with a `rolling credit` account. Hmm - this goes back to my alcoholic days - and I`m 6 years sober next week. Must be getting close to statute barred. This could change things.