hi all has there been any law changes when asking for original copy of cca 1974 ?

are creditors still required to provide a copy ?

many thanks.

whats the debt and why are you requesting the CCA ?

dx

its my daughters..

.regarding a mobile.

.ccj issued..

she wasnt aware.

.so im trying to get some paperwork together to try and get the ccj set aside ...

mobiles are not covered by the consumer credit act.

tell us more about the debt please

when where this home or another address?

you need a reason to set aside

like purposeful filing to an old address when they knew the correct one

and then you'll also need a defence for the actual debt itself

the failure to provide paperwork is too late now the CCJ trumps that need

retitled and moved to the legal forum.

dx

ah i didnt know that.

. not been on here for a while.

.i can still request notice of assignment from dca and sar from oc though.?

She got a mobile on contract

3 week later she was jumped and beaten up had her phone stolen.

.she got a crime number

passed this onto provider

they didnt want to know.

.so she never paid from then.

.no contact from 2016/7 now ccj appears.

. please advise many thanks..

did she get any previous letters before the CCJ?

and how does she know she has a CCJ?

shes got a judgement for claimant

or

just found it on her credit file?

she didnt get any previous letters before the ccj..there is a ccj listed on her credit file now and lowell are contacting her now..

i did tell my daughter she may have to bite the bullet and possibly pay.....

what do you mean lowells are contacting her

Letters?

or

phone [ignore those calls]

was this mobile taken out when she lived at a previous address than now?

dx

Ah yes, Lowlifes.......might have guessed these clowns were involved!

Who was the OC, Voda??

same address. lowell by letter but doesnt look like the debt has been assigned to them yet as they refer to OC as client..original OC voda

voda don't do court

so they must have sold it to lowells since that letter.

if shes never moved

why did she never get any previous letters nor the claimform..

what date is this Lowell letter you have?

IGNORE lowlifes, NEVER EVER speak to these powerless fools.

Deal direct with Voda, and lodge a formal complaint, send them a SAR (£10) and lets see what they have regarding being informed of the phone being stolen.

Exhaust their complaints procedure also.

unsure why she didnt get her mail.. lowells letter is recently...

i/we will however { Deal direct with Voda, and lodge a formal complaint, send them a SAR (£10) and lets see what they have regarding being informed of the phone being stolen.

Exhaust their complaints procedure also. }

will the 6 year statute stand if no contact within the 6 years and before the ccj issued ?

can you possibly san this letter up please

read upload

why date is the ccj too?

i will get more info on ccj and lowells letters tomorrow when i see my daughter.. i will keep you updated..many thanks..

get everything she has.

dx

will do thanks dx

IGNORE lowlifes, NEVER EVER speak to these powerless fools.

 

Deal direct with Voda, and lodge a formal complaint, send them a SAR (£10) and lets see what they have regarding being informed of the phone being stolen.

 

Exhaust their complaints procedure also.

How can they deal with Vodafone direct, Vodafone have sold the debt to Lowells

Lowells have applied for and been awarded a CCJ, Nothing to do with Vodafone anymore

Also if the phone was stolen and it wasn't insured, You can't just stop paying for it

why not?

its subject to a crime and is no longer being used by the owner for under their deemed contract.

should have been written off as subject to crime.

every reason to sar them and complain.

dx

Because that is what insurance is for

So are you saying if i buy a TV on credit and i get burgled and the TV is stolen and i dont have insurance, I can just stop paying for it ?

no

that's would be on finance silly.

a phone is free, if it is linked to the contract.

theres no credit agreement for the phone until of recent times and that's a sep issue that would be through the retailer that sold the phone.

not voda

the voda debt would be sums till the end of contract expiry relating to/for airtime etc

they cant and the FCA have already ruled, that its unfair to bill for the remaining contract if the service is no longer being used

they should charge a small cancellation fee

i dont know the full story yet of why she didnt want to pay ...once ive spoken to her i willl have a better idea of which way to go with this...

no

 

that's would be on finance silly.

 

a phone is free, if it is linked to the contract.

theres no credit agreement for the phone until of recent times and that's a sep issue that would be through the retailer that sold the phone.

not voda

 

the voda debt would be sums till the end of contract expiry relating to/for airtime etc

 

they cant and the FCA have already ruled, that its unfair to bill for the remaining contract if the service is no longer being used

they should charge a small cancellation fee

The phone isn't free, The cost of it is built into the contract over the time that it runs

A top phone these days can cost upto £1000

but there nothing in the contract that states you owe anything for the phone

The claimform would have to state GOODS not services colin...

just seen my daughter gave her sar for lowells..

she is phoning the county court tmorrow to see when ccj was issued.

.she states she has had no contact with voda since late 2012

..recent letter from lowell says.100.00 in arrears.

warrant of control.or

attachment of earnings.or

charging order.

they told her on the phone they will suspend action for 30 days..

cant upload the letter sorry wont let me post..

we are looking into getting the ccj set aside...