Good Morning

I have 3 accounts with Lowell im dealing with at the moment...one is a old mobile phone contract, a payday loan and a british gas account.

I seem to everything in order but when i have sent the CPR requesting statement of accounts, loan agreements, notice of assignment, notice of default, termination notices etc etc.

They have responded with its not legal for them to supply a notice of default or termination notice from the companys?

Is this correct ?

They have instructed me to go direct to the companys for this info.

Thanks In advance

Have they issued a court claim ?

Andy

No they have not yet but are threating to do so.

Thanks

Then you cant use a CPR request...try a DSAR

Ok will do, can i send this to Lowells or the oringinal creditor?

Original Creditors

sar

Thread title amended

I bet that gas bill is very old.

are these on your credit file?

CPR can be used if the court action is imminent such as sending out a proper lba. However, SAR is probably better as they will be obliged to send you everything they hold on you rather than just the docs they would wish to rely on for a claim.

LBA comes under Pre Action Protocol not the Civil Procedure Rules...CPR 31 only applies to court claims

Yes there are all on my credit file...british gas account is from 2012 to nov 2013 for 897 pounds and they have provided the final bill from british gas.

I have manged a full and final settlment agreement of £300 but it will be marked on my credit file as partially satisfied which im not to sure about.

Hopefully it will go away after 6 years from the default notice.

Cheers

we didn't say negotiate anything.

I negotated this last week on the british gas account as they have sent the oringinal final bill from british gas and are threatening court action

for want of later readers NEVER EVER negotiate a n F&F esp on an old utils bill even if the DCA proves things COME HERE 1st!!

dx

So where do i go from here with the british gas account DX. I have sumbitted SAR request to british gas and recieved a reply with the bills etc.

I want to clear my debt on my credit rating so the only way i can see is to offer a payment

Thanks

so you've not paid the F&F to lowells?? good if you haven't.

you need to tell us the full history of the debt please

with dates from day one.

just because they've produced a bill

doesn't mean you got to get fleeced by giving them free money

was there a dispute on the bill

were you charged not enough tarrif then when you left, BG produced a bill backdating tarrif under payments for lots of years?

history please

its very rare for any utils company to sell a debts on.

even rarer for it to be British gas.

dx

Thanks for the reply DX

I havent paid the 300 pounds yet no as i am concered about the debt only being marked partially paid.

I will get the history to you end of next week as currently working away from home.

Thanks