After wrting to lowells telling them that I could only pay them a £1 per month due to being a pensioner they today accepted what I offered. I told them I would pay it by standing order along with the acceptance letter they have sent me a made up standing order mandate which has all there details on for the bank but they want me to put my bank details and signature to it. Now in the past when I have set up a standing order I have always took it to the bank myself. do I do that then write and tell lowells I have set it up myself or do I return the made up mandate any help on this one please many thanks in advance

Hi just an update from lowell. I recieved a letter from them today accepting my offer of a £1 per month I sent off an ingoings and out goings and they can see I had nothing left so accepted. Now I did say that I would pay by standing order they have made out a standing order mandate that they want me to put my bank details in and sign and return to them. when I have done a standing order before have always took it to bank myself, my question is do I write to them and tell them I have sorted it all out with the bank myself as all there details are on it or do I send it back to them a nd hope they dont change things as this is just a blank piece of typing paper they have made out. Grateful for any help many thanks in advance.

Thank you for your reply do I need to get proof of income for dwp and send them my bankstatments along with my income and outgoing or do I just send them the budget sheet thanks.

Hi wonder if someone could please advise. I have Lowell chasing me for a catalogue debt. according to my noodle report lowells are now the owner of the debt. they are saying that the start date of account was 12/4 2008 and the default was 12/07/2011 now I know this account was opened before april 2008 and I stopped paying round about dec 2008 when me and my partner separated and I was ill and couldnt work. the debt they are saying is for 2,058. I am now a pensioner living on my own and only get my pension no savings and in rented accomodation. I have recieved anoother letter from them today saying if i don't pay £30 a month in the next two weeks they will start litigation I am willing to pay them a £1 a month but don't think they will accept it after what I have read about them. is there anything I can do many thanks in advance.

I Think it was 2007

I have an account with this group. due to financial and personal circumstances I wrote asking if they would accept reduce payments until I got back on my feet this they wouldnt accept and kept adding charges. i Sent them a CCA this is what they returned I wrote and told them I didnt think it was a true copy of my agreement as there was no signature which they have now sent this letter to me. can someone be kind enough to tell me where I go from here with this many thanks in advance [ATTACH]13093[/ATTACH] [ATTACH]13094[/ATTACH] [ATTACH]13095[/ATTACH] [ATTACH]13096[/ATTACH]

Signed

UPDATE Recieved this letter from Lowells this morning. Dear xxxx We refer to your recent request for a copy of original credit agreement (Capitol 1 ) of the consumer credit act 1974 After liasing with our client in an effort to obtain this document we have been advised that it is no longer available. Under the circumstances we have closed our files in relation to this account which has now been returned to our client. we can confirm that no further contact will be made by us regarding this account Yours sincelerle Andrew Bartle Does this mean I will not be hearing from anyone again or will capitol1 try and sell this onto someone else even though it is 8 years old many thanks for advice

many thanks for advice. yes they are writing to me at a different address. that is on the letter

thanks for the advice but they say they got my address from equifax would that be on my credit file if so how do I get this adress off as I know nothing about it is their a letter that I can write to these people

Recieved this letter TELOGRAM Dear xxxxx We are corresponding with you as the authorised agent fro capquest investments who have requested we make necessary enquires to establish the current residential adress of xxxxxxxxxxxx 68xxxxxxxx xxxxxxxxxx xxxxxxxx we instructed the major credit ref beureau to confirm this adress or establish a new residence for ms xxxxxxxxxx we would therefore ask you to contact us on 01252576376 quoting ref xxxxxx by 28 mar 08 so that information can be verified It is important to note that if the adress details are not correct we can inform equifax who may be able to contact the originator and investigate this for you. if there is no contact by this date it will result in this record moving forward to our investigation team where further reserch will be undertaken. this unit will also be undewrtaking outbound telephone calls to various sources including neighbours to verify that the information supplied is corrrect. We are here to help and assist you but we can only do this by you making contact. we look forward to hearing from you yours sincerely telegram limited. I dont know what is going on here but the adress they are going by I have never ever lived there which I dont even know what they are on about so any advice regarding what to do about this would be a big help many thanks

another update lowell have gone past the 12+2 also now have gone past the 30 aswell can someone tell me where I go from here as still no sign of CCA

Thanks ODC I am beginning to think they are just trying it on and hoping I will give in to there scare tactics, must admit I was scared at first till I found this great forum, now I am not a bit afraid and look forward to the post each day

Have recieved another letter from Lowell's this morning. Dear Mxxxxxxx Following your recent request to be provided with a copy of the original credit agreement in respect of consumer credit act. I can confirm our client has yet to furnish us with the agreement. I can confirm however capitol one are still in the process of retrieving the required paper work and once this has been forwarded onto us a copy will be posted to you. There will be no further correspondence from us until the agreement has been recieved at which point we will require payment in full. you still have the option to pay xxxxxx as full and final settlement in order to bring this matter to a close. after which we reserve the right to proceed to collect the full balance. If you want to take the offer and bring the matter to a close phone number below The last letter I recieved from them gave me 72 hours to accept the offer. well still no cca and the clock is ticking it is now 24 days since they recieved my request for cca. do I just carry on sitting tight many thanks for any advice

thanks for the info, I had a feeling they were trying scare tactics will now file letter with the rst folder is starting to build up