Lowell is definitely tight and also in business but you'd be ill advised to write to her unless extraordinarily hard up. Not to be trusted for one moment

I won't bother.

Honestly it was just the fact that I stumbled on that sticky that made me think. Surely the fact they are offering a £4000+ discount means they know exactly what they've got. Thinking back Capital one accepted my dispute in as far as they stopped writing and did nothing more than send an annual statement until they sold it to Lowells.

Even if you hadn't CCAd Capital1 my advice would probably have been the same. And if the sticky you refer to is the one I think it is, I profoundly disagree with it.

There are certain circumstances in which one is best ignoring Lowell unless / until a court claim form or proper S D is served - usually via Carter or BW Legal. Hefty discounts are one of a range of indicators.

ive got to letter 3 from Lowell after a few years silence on this account

and I know this is near enough statute barred.

Are they likely to know this and put in a last second claim as the letters are getting more threatening?

Have checked noddle and the default date is early May 2010

so my gut instinct is that ive not paid since maybe Jan or Feb 2010

but for the benefit of doubt im considering it as May.

I know the agreement in unenforceable and Capital one admitted as much in 2010

but I cant find the damn letter.

Its one of those sheets of paper with a signature in the middle.

I just ideally dont want to have to go through the hassle of court again

. I was wondering if maybe I should cca them again to

just delay things or just keep quiet and hope it passes?

Its a large debt but I like think that irelevant given the lack of enforceable paperwork.

Have you previously sent a CCA request to Lowell Craig?

I know the agreement in unenforceable and Capital one admitted as much in 2010

but I cant find the damn letter.

 

I just ideally dont want to have to go through the hassle of court again

Just send Lowell a CCA request, the £1 Postal Order is money well spent for peace of mind & to see you over the statute barred line.

Stigman

Just send Lowell a CCA request, the £1 Postal Order is money well spent for peace of mind & to see you over the statute barred line.

 

Stigman

But not if you have already sent one.

Andy

Are Lowells aware of a previous CCA request?

If they are, are Lowells just sending the threatograms in the hope the op would crack or are they going through the normal procedures leading to a claim?

If the op could tell us where they obtained the Capital letter from, was the original CCA request made directly to Capital or via a DCA (and if so which one)?

Stigman

I have only ever sent one CCA for this account which would be early 2010.

Capital one sent me the typical unenforcable sheet with seperate terms,

I disputed it and they wrote back saying they could not enforce it

but it was still owed then its just been passed around.

No I have not CCA'd Lowells.

Reading the letter they want a response by the 17th of March

so i'm going to wait till the 15th and send a CCA,

hopefully that will be enough to get us close.

" No I have not CCA'd Lowells. "

Then yes send one.......Head It " I do not acknowledge any debt with your Company "

" No I have not CCA'd Lowells. "

 

Then yes send one.......Head It " I do not acknowledge any debt with your Company "

Makes sense thanks.

I'm going to check my external drive see if I can find anything on there like a downloaded credit report that might show the last payments.

Just something I wrote myself above.

12th April 2010 14:35 #22

Craigbadger

Basic Account Holder

Cagger since : Oct 2009

Posts : 666 (0.28 post per day)

Wheres my damn default notice or are Capital one resptecting my dispute?

13 weeks no payment,

£1200 arrears but no default notice.

They sent me one in Jan for £412 which was removed as it was paid within 14 days

and nothing was ever added to my credit history.

I have put the account into dispute on grounds of dodgy cca and they never responded.

Is this normal or is there a chance theyve messed something up or actually respecting my dispute?.

Nothing on my record and they updated it 6 weeks ago showing 2 months arrears.

I guess its a matter of waiting(which is the bad bit).

Be curious to get opinions though considering the first notice came after 1 missed payment

and being over limit a bit for a few months.

Forgot all about doing a cca and today out of the blue received this. 18 days and counting till 6 years are up. This is surely an act of desperation?

http://oi63.tinypic.com/rw1fte.jpg

yep

Thats a 9 grand discount btw