Hi seeking some advice if possible ,

i read some of your posts regarding Lowells and i sent a request for a copy of the original credit agreement using the template supplied on site.

I received a letter sometime back saying they would request it from the credit card company and that would take 40 days !!,

as of today 14/12/16 i received a recorded delivery letter with an enclosed copy of a so called original agreement ,

this agreement has no date on it ,

no agreement number on it

no signature on it

and the address is spelt wrong

it looks like they have just typed it up and sent it off

This can't possibly be an original copy can it ?

the original was taken out in 2012

they also attached some copy of statements which do have the address spelt correctly .

can you give more background on it please. Also the 40 days is junk. They know they only have 12+2 Then its UE until they supply a response that fulfills all the criteria.

Give us background and dates on the debt, and also scan up, edit out personal indetifiers and convert to pdf so we can check it for you.

It sounds like theyve supplied a reconstituted agreement.

Thank you for your quick reply i need to dig out all the paper work i have which i will do as soon as possible , please bare with me thanks .

Take your time. The more info you can give the better.

Here are the copies they supplied . also the earliest statement they sent me was dated 22 april 2011

agg1.pdf

agg 2.pdf

attachments hidden

pers info showing through pen crossout

please follow the upload

dx

Hope this is ok

Creation CCA+TCs.pdf

Are those 2 pdfs all they sent? If so then it's not compliant

All the rest are the small print if you want them , apart from some statements they sent . So if not compliant whats my next step please ?

you mean the T&C's

as this was an online signup ?

then you wouldn't of signed the agreement would you?

what type of credit card?

flybe or some name?

sorry I see its a football club one.

so did you par chance get button holed outside a game?

dx

I was a mastercard set up 2/11 and yes its the T&C's ,

i thought you did an online signature

never the less the address is wrong on it ,

it all seems a bit fake to me , but correct me if im wrong.

I am still trying to find the letter stating 40 days lol which was about 2 months ago

well the 40 days are immaterial

they sent something

and a recon could be used to enforce it under the CCA

but I doubt that bogroll would stand up in court.

so how did you sign up?

and why is it a SW football club mastercard?

how do they fit in?

I am a Sw football fan

i saw the advert on the SW website

but i believe its Sygma bank (creation )

long time ago

but im sure it was online

i can't honestly remember sorry .

Just on a side note

they sent all this attached to a comp slip hand written with

the original account number ,

lowells ref number

and balance with the note

saying please find enclosed copy agreement and copy statement as per your request.

That is typed as written .

no that's all good info

so was an online sign up

and yes it was just a badged card

they [sigma bank - creation finance] provide the financing

can you scan that T&C.

if there are no dates or tick boxes

then obv what they sent is predominantly bogroll

but that's not to say they wont correct that in time.

let it run.

No tick boxes no dates what so ever i have just gone through them all , use of card etc charges bla bla but nothing 11 pages in total the usual T&C's do you still want them ?

yes please

T&C's

And the rest

Here is my latest letter from Lowells

T+Cs.pdf

latest.pdf

Hi here is my latest letter from Lowells a pre court assesment. Would this not be statue barred now as the first payment came out Feb 2011 or does that not apply to credit cards ?

lowells.pdf

ah the old pre school letter...

surely you mean last payment?

No the last payment was later probably about Aug 2012

then its not SB'd

dx

Just an update on this one , Lowells have now passed this on to BPO collections.

My question is do i let it run again or do i now ask BPO for the original agreement,

i am presuming BPO will be more aggressive .

urm no

whatevergave you that idea...BPO are Lowells

same printer different letterhead

no human involvement at all

just a PC threat-o-gram program

dx

Thanks for your quick response it also came with the statutory 40 % discount .