Here is a link to my main thread.

http://www.consumeractiongroup.co.uk/forum/showthread.php?423375-Dealing-with-my-debts-the-road-to-full-and-final-settlement&p=4538311#post4538311

CCA Request made more than 12+2 days ago

So far have had two letters from Lowell stating C One need more time and to check a different office !

And the second letter stating once they present me the cca the full balance will be tried for.

Currently paying lowell an agreed £1 per month

Thanks

DITD ... Try to keep to one thread.. Ive updated the original with a note from me

I have been told on numerous occasions to create different threads for each creditor?

I dont care either way really just trying to abide by what im told?

Oh i see My bad, yes ive noticed it was a combined thread.

Maybe its worth keeping the lowell side over there and have your other thread as an active one

Hi all

they found the cca

Have ordered full payment within 10 days

They have "Ordered"?

Post a copy of the letter up... They cant "order" you to do anything because they are powerless unless they have a court order!!

Thats the rule of the game.

Post everything they have sent you for that matter.

ty

does anyone have a better pdf upload website? the one i use takes ages per page and there is a lot of pages

thanks

how many pages is it?

Have you not got a PDF printer driver installed on your system?

If not you can get one for free here

http://www.dopdf.com/

You will then be able to create PDFs to your heart's content

ty both

ok will do ims

installed program now get message saying program already installed when i click on files

When you click on which files?

it has automatically changed all of my files to pdfs

i have edited the 4 pages i need to upload in paint how do i use the program to do that please

You use it as a printer.

File->Print and select doPDF as the printer.

Enter a file name for your new PDF and a save location and away you go.

thanks that bit was easier

still dont get how you the upload them any quicker anyway here are the 3 relevant pages

http://www.pdfhost.net/index.php?Action=Download&File=ceee7b68338c12aa770d5724743c72cc

http://www.pdfhost.net/index.php?Action=Download&File=9422383ef301218edfd22e7d7e35d2b4

sorry third one

http://www.pdfhost.net/index.php?Action=Download&File=083564c6fbfee51d76e18c5f8e69dbb2

sorry third one

http://www.pdfhost.net/index.php?Action=Download&File=083564c6fbfee51d76e18c5f8e69dbb2

all up now

thanks

do they look ok?

thanks

???

could someone please take a look if they have time

thank you

Can't see where they've 'ordered' anything, they say they want proposals for payment. If it were me I would stick to £1 a month and let them moan about it. Up to you how much you want to give them. The letter is pretty standard, the agreement looks legit and if they've found a copy then (they think) they own you !

You don't have to pay them any more, they can stomp their feet and demand all they like. Same with them demanding income and expenditure information, you don't have to tell them anything. Only a court can demand such information. They don't take people to court who are paying them, simply because you can say to the court they were not a priority payment and you have other commitments

If they send someone round to discuss the matter you can tell them to 'go away'. All the letters will be based on COULD or MAY, read them carefully.

could someone take a look please/

i am starting to regret request the cca as since then i keep receiving demanding letters for full payment/threats e.t.c

could someone take a look please/

 

i am starting to regret request the cca as since then i keep receiving demanding letters for full payment/threats e.t.c

You dont have to make full payments if you are unable to afford them. Sort out a budget sheet and tell them this is how much you are able to pay them.

Were you being bothered by Lowell prior to your requesting a copy of hte agreement ?

Have you discovered any default charges or PPI on this account ? If so, then perhaps you could make an attempt to claim these back. Or you could write to Lowell and advise that due to PPI and Charges you have discovered, you believe the amount they are pursuing for is incorrect. That you would like them to cease sending demands for payment until such times as you have reclaimed these.