Hi Ive had a reconstituted credit agreement from Shop Direct, can anyone have a look for me,

the account was taken out in 13/06/2006.

I went into a debt management plan in 2008 and I have been making payments to them for the last 10 years.

I found this thread in Jan this year and stopped paying and sent CCA's to all my creditors.

I havent claimed anything back on the account as far as I am aware I never had ppi on the account

Wheres the rest of the agreement?

If all they can send is a reconstituted version for a 2006 agreement......then it follows they dont have the original to enable enforcement of the agreement.

Andy

moved to mail order forum

Good Evening all

I have received a letter before court proceedings from Lowells Financial regarding a shop direct Very account,

I have sent over a CCA request to Lowells, they responded with a recon credit agreement and a statement of account.

Included in the response they said they have been instructed and intend to issue court proceedings.

I have not responded to the letter before court yet please could anyone give any advise and how to proceed should I reply to the form from Lowells? I have previously posted the credit agreement received on another thread but couldnt seem to post a reply on there. 

Please would you fill this out <<<<<

I think my learned friend accidently posted the wrong link

it should be this one 

and you follow post 5 there

dx

Can I just confirm post 5 is for uae debts is that right? 
thanks for help so far x

sorry post 2 ....shows you how many of those uae debts we're dealing with at present....

Thanks so much I will send this back and see what they respond with 

you sent a good few CCA's almost 2yrs ago and wiped out and incredible amount of debts following you DMP with PP>

are you indicating you've already sent a CCA again since then?

dx

Hi yes I’ve had some good responses which is great!

I cca’d this 2 years ago

it was passed on to Lowell’s and when I rec’d the before court form I sent a cca request to Lowell’s and they sent me the same one as above back with a statement of account and a letter to say they have fulfilled my request and intend to take it to court if I don’t pay.

Is the agreement enforceable as I really don’t want to risk a ccj and could set up a plan with them?

so you don't need to repeat the CCA and you need a reason to dispute the debt.

I can't see the CCA upload anymore as it vanished during an old virus attack or our move to new forum software

can you pop the scan back up please?

Hi Ive hopefully just uploaded the scan of the documents rec'd back from Lowells

Scan_shop_direct_14_12.19.pdf

can i confirm that is not signed by you but is infact blank?

Hi yes it’s blank 

It just has my name and address on it 

Then its bogroll

send them 'em a new cca

you dispute the debt because the debt buyer has failed to comply with previous request

I thought that they didn’t need to have your signature on now and recon ones were ok?

So shall I reply to lowells claim letter saying I dispute the debt due to none Signed credit agreement?

And request the list of documents as per post 2 in the pre debt protocol document? 

there is nothing there other that a bit of cut n paste or photo manipulation inserting youer details on a copy of the T&C's which can bedownloaded from here or came out of lowells filing cabinet.

there is no proof on the agreement you signed up

its blank.

go look at other lowell cat debtthreads here and get upto speed

use our search top right.

as for the PAPLOC reply form...

don't give the game away..

reason as my last post..

Thanks for all responses I’ve been looking at other threads and now feel totally confused as I’m scared of actually having to go to court as I have no idea how to defend this! Torn between just setting up a payment plan and not wanting them to win! 

because you've not been reading up

there are 100's of PAPLOC or CAT letter of claim threads here

as well as 100's of Lowell claimform cat threads here [most they lose]

use our custom google search box that comes up after hitting our top squares logo for either. 

and get reading up.

the more you read the stronger we become.

going to court is no big deal a dentist is much worst.

don't forget the post off that reply form attached to post 2 of the thread before day 30 of their letter of claim.

1st class stamp and free proof of posting from any PO counter will do.

dx

Your right I was just having a wobble! I will send the reply tonight. What am I putting for my reason for disputing the debt? It says on the notes as advised in your thread. I’m so sorry if I am being a pain.

I wish you'd read your thread before repeatedly asking the same question.

as already pointed out twice now

the answer is in my post 17.

Apologies I had read it wrong, noted and I do appreciate all your help 

I’ve had a response from Lowell’s,

they have sent back the same credit agreement and statement of account.

I had an initial letter saying they had requested copies of the default notice and would put the account on hold.

I have now received a computer print out of my account with dates of default and when it was assigned.

The accompanying letter says it has now fulfilled my request and will persue me.

As they haven’t sent a copy of the default I was going to reply and say I still dispute the debt and ask for the copy again. Is this the right thing to do?