My partner started to receive letters from a company called Lowell financial a while ago.

When I saw them alarm bells started to ring and I did a bit of research on here.

From what my other half tells me,

these debts were from well before we met so are probably 10 years or more old.

The debts were from capital one,

three,

jd wiliams, and

shop direct.

We sent a cca request and £1 postal orders for all the debts.

Lowells have acknowledged all the cca requests and closed the three account.

It has now been a month since we have heard anything from lowells about the remaining 3 accounts.

We have checked on experian and it seems lowells have 2 of the named accounts showing as in arrears for about 4 years.

From what I read on another post, my other half should not pay them anything ever.

They have failed to provide any of the original documents so as far as I can tell they are unenforceable and should be off her credit record after 6 years.

Am I correct And should we be worried about it?

you say no payments have been made on any of them in 10yrs?

Closed the Three account after a CCA request?

Please do tell more...

you say no payments have been made on any of them in 10yrs?

No, I said the debts were probably over 10 years old. They were from when she lived in a flat before moving back home into her mothers house.

Closed the Three account after a CCA request?

Please do tell more...

Cca request sent on 4th July, acknowledgement of the letter received on 11th July, letter about closed account on 14th july

so the rest have now well failed the 12+2 working days time limit

ignore until or unless you get a letter of claim.

Thanks. I'll update if or when we hear anything.

As an update on this thread, my partner has today received 3 letters, all the same but for the 3 remaining accounts.

state that they are still waiting for a copy of the documentation from the former debtors and the accounts remain on hold.

They say we should hear from them within 40 days.

I thought they had to provide to us the original docs within 12 (+2) days, which they have failed to do

former debtors?

you mean the original creditors

yes they only have 12+2 WORKING days

if they fail stop any payments till they comply with a CCA that gets checked here first

Just to clarify, this is what their letters say...

We refer to your recent request under sections 77/78 of the Consumer Credit Act 1974 for a copy of the documentation for this former capital one/ j d williams/ shop direct account.

We have requested a copy of the documentation but have not received it yet.

Your account will remain on hold while we await the requested information from capital one/ j d williams/ shop direct.

so you dont need to pay them a bean until they produce such paperwork and if they never do then you dont pay them at all.

The 40 days they claim to have to supply the requested documentation have long gone but all 3 remaining accounts are still showing up on her credit file as in default but queried. Is there anything we can do to get them removed? The three account has been cleared from her credit file.

accounts stay on credit file till the default reaches its 6th birthday

then they are removed

paid or not, paying or not..makes no odds

theres not reason to remove them no.

received a letter from lowells again today. they have supplied paperwork for a capital one credit card. from what i have seen, she made the last payment on it in september 2013. what should we do now?

Start a new thread in the cap1 forum

Give a brief history

And scan the cca return upto one multipage pdf please

Read upload

Dx