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Lowells CCA return for ShefWeds FBall club branded Credit Card


theowls
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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 .

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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.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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attachments hidden

pers info showing through pen crossout

please follow the upload

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sorry I see its a football club one.

 

 

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

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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

Edited by theowls
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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?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 .

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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.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 months later...

ah the old pre school letter...

surely you mean last payment?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

then its not SB'd

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

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 .

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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