just follow post 21

anna

we are well used to playing these games with these people.

dx

Just wondering why Lowell kept quiet for 17 months. Apparently debt was sold to them on 13/09/2017:???:

 

So the interest accrues

And you never received a Notice of Assignment informing you Loweel had purchased the debt ?

So the interest accrues

 

And you never received a Notice of Assignment informing you Loweel had purchased the debt ?

We received letters yesterday. One of them was written on Oakam headed paper saying that debt was sold to Lowell

Yesterday and yet they purchased it 13/09/2017 ?

From the original post I think, it must have gone to an old address. the letter they received just now was a phishing letter.

just follow post 21

anna

 

we are well used to playing these games with these people.

 

dx

I will persuade my partner to call the Oakam today.

Contacting them won’t be equal to accept the debt?

We won’t contact Lowell but should we sent them letters back? They advise that because flat is under my name and they should not come here or to harass at my property.

Yesterday and yet they purchased it 13/09/2017 ?

Exactly

The day of purchase the debt is 13/09/2017

As per post #4 then get a CCA section 77 request off (fixed loan agreement) pronto.

https://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**&p=4193472#post4193472

As per post #4 then get a CCA section 77 request off (fixed loan agreement) pronto.

When should we send CCA request to Lowell? How long to wait?

What about sending them back all the letters?

When should we send CCA request to Lowell? Now How long to wait? dont wait ASAP

What about sending them back all the letters? No ...you may need them for future reference if they issue a court claim.

 

Andy

After long wait in the phone to Oakam - no success. Because his account is close and address we wanted them to send the papers is different he can not do that.

I have requested to speak to supervisor, his reply was that he can arrange call back within 24hrs. I insisted to speak now but he was saying that he can’t help me

What should I do now? Send to them SAR request? How to update the address?

shouldn't matter once you get through to a supervisor

should be able to give the info over the phone

you don't need them sent anywhere

just the last payment date will do.

shouldn't matter once you get through to a supervisor

should be able to give the info over the phone

you don't need them sent anywhere

just the last payment date will do.

Called again and no success. They told that they don’t have any information about my partners debt and in this case I should ask Lowell. He said that if I want I can complain to ICO. He have done everything he could.

Why this is so difficult!!!!

What next?

The SAR will do the trick.

yep all you can do.

i'd still complain to the ICO mind.

We have just done credit score check.

Lots of checks was done recently on his account mostly by Capital One.

He has two loans under settled accounts:

Lowell Portfolio (balance on 07/02/18)

Start date: 27/12/2012

Default balance: £5311

Last delinquent date:Sept 2013

End date: 28/09/2013

Start balance: 0

If you go to account history:

Date: January 2018

Status: default

Balance: £10,785

Second loan - Oakam Ltd

Balance on 15/09/2017 - £0

Start date: 27/12/2012

Default balance: £7474

Last delinquent date: September 2013

End date: 28/09/2013

Start balance - £0

Fixed payment- £333

Account history

Date: August 2017

Status:settled

Balance: £0

Date: July 2017

Status: default

Balance: £6903

i can see four different amount.

Why?

So from credit report I understand that his last payment was in September 2013.

Is that right?

So 6 years will pass in Sept 2019?

looks that way

but if you read that thread at the end of post 21

you'll see what they do.

as for each debt showing twice.

some do report that like that

one is the old listing under the original creditor

one is for the present owner.

the OC will zero the balance and if not already defaulted will then default and sell it on.

hence now you see the reason why the fleecing debt buyers leave it till the last minute extra interest on top.

dx

An interesting point here is if oakam def dont hold data

Then it must be 6yrs since last payment

An interesting point here is if oakam def dont hold data

Then it must be 6yrs since last payment

So if they don't have any data about my partner what is the point to send them SAR?

I am going away tomorrow for one week so I have only time to send the letter to Oakam in the morning.

Letter to Lowell will send when I am back.

best thing you could have ever done.

enjoy your break.

best thing you could have ever done.

 

enjoy your break.

Thank you. I will try but won’t be easy. Stress will eat me!!!

We have first reply from Oakam. They asking for picture ID to identify my partner. Shall we send them?

has he moved since taking out this loan?

and anyway what good will a picture do?

they don't know what he looks like anyway!! as have no previous picture

I suspect you mean driving licence and/or passport with signature?

well they don't know his signature either previously to compare it against as it was a tickbox online signup I bet..

I bet he has moved since taking out the loan and you didn't include a copy of your CTAX bill naming him with the SAR request as it advises in out thread?

I was very stressed and forgot to include council tax bill.

He did move since taking loan.

Understandable - Please dont stress... You will make mistakes if you do

Just keep a level head...