around 11 months ago Lowell started sending letters

claiming money owed to them for a debt they bought from shop direct.

the amount they claimed was ridiculously high

when i received a letter i simply just binned it.

on the 26th April 2016 i received a letter from Cohen Cramer

saying that because i have ignored all previous letters from Lowell and Lucas Credit Services (client agent)

if i did not contact them within 14 days they would issue a claim in the County Court.

I decided to write to both Lowell and Cohen Cramer.

I sent Lowell a CCA request

I wrote to Cohen Cramer explaining that i had requested the info from Lowell as to ascertain where this debt

and the amount claimed had come from.

I asked Cohen Cramer to hold court action until i got the info.

After i sent both letter dated 3rd May 2016

i received a reply from Cohen Cramer dated 10th May 2016, stating that they had received my letter

and that their client has given them a minimum period of 45 days from the date to send the documents

which i presume they was referring to my CCA request.

I then received a letter yesterday, dated 16th July 2016,

attached to the letter was a double sided photocopy of a letter of assignment,

but no credit agreement (not even the standard 1 page photocopy with no signature).

This was not what i asked for from my CCA request to Lowell.

They have now stated that if no reasonable proposal is forthcoming within 14 days then legal proceedings will be instituted.

Just wondering if anyone could help and give some advice as i am unsure of what to do next.

I was wanting to contact Cohen Cramer again but i am not sure what to put in my letter.

any help would be greatly received,

thank you for your time

Letters From Cohen.pdf

willy waving ....??

until/unless they get an agreement it wont go anywhere.

when did you take the cat debt out.

sri internet is crap tonight here.

the NOA is all cohen themselves are required to provide you as the proposed claimants sols.

until lowells get the signed? CCA

no dice.

the catalogue debt was from possibly 3 years ago...

at the time i was struggling to make payments and was in quite a bit of financial difficulty caused by being off work sick.

i did notice the days leading up to selling the debt on shop direct added an enormous amount of interest to the amount that was owing to them.

Around £360+ was added onto the balance

SAR to shop direct might be worthy.

if the account was opened post apr 2007

then they could well try their luck

and succeed with a recon agreement

and that might work

get that SAR running ASAP

dx

is it a good idea to respond to the last Cohen Cramer letter that says

if i don't respond within 14 days they will continue with court action

just to hold action so I get all info from Shop Direct?

today i received another letter form Cohen Cramer,

with it was enclosed a 4 sheet credit agreement

also another copy of the letter of assignment plus a basic statement showing the totals for goods, interest, delivery and charges and also payments i made.

On the statement it also shows goods ordered in the last 3 years and payments during that period also.

On the list for goods ordered there are 2 items that under description have a '?'

i am guessing that they do not have the items on the system and maybe on a basic search they are unable to link it to an item (the items with no description totaled around £150)

the original goods were for a total of around £800 (which was my credit limit) after interest which was added just before the debt was sold on, delivery and charges for missed payments/letters/etc.. the total was raised to over £1,300

i can remember writing to shop direct explaining my situation and asking for all charges and interest to be frozen as i was having financial difficulties but they refused stating that unless it was done through either the CAB or stepchange or similar they would not be able to do that.

again the letter states from Cohen Cramer if not contacted within 14 days legal proceedings will be taken

any advice would be helpful

Scan up redacted agreement as a PDF please

Follow upload guide

scanned agreement...

agreement.pdf

what is the date of the agreement please

the date was June 2014

ouch..the CCA could well be compliant then.

i'll pop back later

i look forward to any more advice

thank you

can you scan up the rest please statements..

it looks like you had things on buy now pay later in terms of the interest

and when you failed that was added and the debt was sold on.

i am guessing some of the items may have been on buy now pay later but looking on the statement provided nothing is shown regarding which items these were.

Rather convenient that

Smells

Bet the statements are not on oc's letterhead?

the one page statement printout has a shop direct logo in the top right corner.

both myself and my partner decided to take a look on noddle to check our credit scores...

seems Lowell has been busy buying up debts.

there are 4 entries between us both showing up as we owe Lowell sums of money.

i think maybe our only solution is to get a financial statement off to them and offer a token payment

Poss but don't jump yet

Person I'd await the sar results

i know how much Lowell and their solicitors like to file county court claims by the ton

if there is a remote chance they could get something out of any.

the thing is if i write to them asking to hold off on any action until i receive documents i requested in the form of the SAR to shop direct, and also to enable me to seek legal advice, would they hold off or still try and put in a claim?

if i did write to them would it be a good idea to include certain things like financial difficulties and stress these difficulties are causing me just so that it is on record if they do file the claim..

. also if they did put in a claim after i had asked them to put a hold on it would,

that go against them if they did file the claim with the factors i had outlined in my letter?

after doing a budget planner i have an extremely small amount to offer all my creditors.

I may have to go down the route of token payments in the future anyway

but until that time i would like to get as much info as possible

. thanks for all your advice

I think they are prob already aware of your issues

and prob know the extent of your debts too.

I cant see any more begging to avoid court will/has/would makr any diff.

if they want to try a speculative claim

then they would have done.

the issue is you started letter tennis

and they now think they have you on a fish hook over a trout pool.

whatever they do

as you say they'll only ever get a very small amount

and a judge would not disagree with you either.

i have sent off a letter to hold off any action for at least 30 days stating i am seeking financial help and building up a financial statement.

the thing is i have already checked my financial situation and my incoming is less than my outgoing meaning there is nothing to pay my non priority debts.

would my next step be to send them a letter asking for them to consider writing off the debt and then if that fails asking them to reconsider their decision, if they still say no then just offer a £1 token payment

willy waving ....??

 

until/unless they get an agreement it wont go anywhere.

when did you take the cat debt out.

 

sri internet is crap tonight here.

the NOA is all cohen themselves are required to provide you as the proposed claimants sols.

 

until lowells get the signed? CCA

no dice.

Sorry to jump in, just a quick question dx how does it work with a catologue online because there won't be a signed CCA, they just print your name in there for you ? and what's the difference what happened post 2007 regarding catologue's ? Thx

Start a new thread