Hi, hope someone can help,

in 2009 I got into difficulty with cap one and

I sent CCA request didn't get it just t & c

since then other companies have tried to get money

I just so no CCA they've gone away.

Got a letter from Lowell's saying they've taken over the debt and to pay in full!!

Have noticed they've checked my credit report a couple ofweeks ago and

today lowells have defaulted us from today,

so does that mean the clocks ticking again now?

Because cap one Have gone off the credit report.

We've ignored Lowell's so where do we go from here.

Any help is much appreciated. Tia.

When did you get the letter from Lowells? I suspect your first move should be getting a CCA request off to Lowells. When was the original agreement taken out?

Hi and welcome to CAG

Regarding your credit report. Can you go back and check the actual default date as that should not change. Once Lowell bought the debt, they replace Cap1 as the creditor and as such, replace Cap1s name with their own. The original date of default must remain the same.

Hi. Thanks for fast responses,

I checked report and yes its still default date 2009 was panicked because I know how crafty the dca are.

We took credit card out 2002

next November it should fall of report file.

So I need to send another CCA letter to Lowell's now?

yep I would

dx

You could CCA Lowells however, you have already done so once to Cap1 and as they didn't respond in full you could tell Lowell that the account is in dispute and has been since xx/xx/xxxx.

My one worry is that Lowell could send you a reconstructed agreement and will try and use that as proof of debt but as this was taken out before April 2007 and if they did try and go to court with this, it is my belief that they would need the original document showing your signature before any judgement could be obtained.

OK so what would be the best dispute letter to send? Thanks

Hi.

if someone can help in what I do next,

I wrote to low eels saying account in dispute and have received letter today saying:

- that Lowell's is exerting a contractual right to pursue payment following purchase from capital

and that we had received notice of assignment 1st of august.

They say can we send them in full details of our dispute and all documents of evidence we have.

So where do we go from here please I won't send any documents not for me to do is it?

Any help is appreciated

send a CCA request

dx

Thank you for your response, shall I send it to Lowell's?

Oh yes I see you've told me in early post send to Lowell's so that's what I will do thank you:oops:

Hi,

if anyone can help in my next move that would be great.

sent off account in dispute to lowells and

they said they would get I touch with Cap one,

they came back and said there was no CCA and they would leave us alone.

if one did appear they would be in touch,

now I have a letter from lowells and

just the signature on a piece of paper

I cant upload picture we only sent off application form from magazine in 2002

so its not from a cca

also they've included t & c terms

I think and pages of statements.

so what do I do now?

Thanks

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAG IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG

YOU MUST ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

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DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

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1. SCAN YOUR DOCUMENT

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- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

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- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

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- IPHONE ONLY: Take a picture and Convert to PDF via an APP

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2. HOW TO EDIT (Remove Personal Information)

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- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

PLEASE TRY AND REFRAIN FROM POSTING FILES OF +1Mb in size

a single sheet of a4 should be about 50kb.

.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

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4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

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- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

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- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

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- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

you need to PDF these as too small - albeit I recognise what they sent by the looks of it, CCA application from a cut out which means the T&Cs no present at inception??? the terms which are separate could not be on the back as too much to fit etc see what others state, also check the Default amounts on the so called original T&Cs,

l

others comment also?

The default amounts are £12.00 which in 2002 was a lot more than that?

so those will be up to date T&Cs not so called original

Hi

If you have Open Office on your PC (just as good as microsofts software IMO) this gives you an option to export as a pdf file. I use this function regularly. All you have to do is remember where it saves the file to.

Click 'Go Advanced' in the reply box and then add the files.

I know this is the application form so what do I send to lowells now?

TIA to everyone that's helped.

Hi, so what will be my next response be to lowells?

What is the value of the account they are pursuing ?

1900 s what's owed.

Hi,I've had a letter saying get in touch or we could take further action I've sent letter saying I asked for coca not application form is that the right thing way to go ? Any advise is appreciated.

if you've sent them a cca request

and they've failed to comply

you now ignore them

dx

Thank you

try anf get those T&C's up after converting to PDF

if those T&C's only show £12 charges level

no they are not correct for a CCa from 2002

obv mind, don't ignore any court papers mind!

dx