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  1. These guys are a bunch of jokers. Tell them to stick it where the sun dont shine
  2. Unfortunately for them they didn't include the Terms and Conditions so I wrote back to them reminding them of this fact and that they then had 3 days to get them back to me. That was around a month ago and haven't heard a peep since
  3. I only found this site and subsequently got some excellent advice, by putting "Lowell Portfolio I" into a Google search. If we didn't name and shame then others wouldn't be able to see that they're not alone and how others have dealt with these numpties
  4. Also nice to see that they advertise they are licenced under the CCA 74 by the OFT.....................
  5. Agreed. Cancel the card and contact your bank / CC to report fraudulent activity.
  6. As workstoohard said I waited 72 hours, saved as PDF and also printed the screen.
  7. Reply to them highlight that under OFT Guidlines they should not be chasing you for payment whilst a debt is "in dispute"
  8. No its bollox! Write back to them stating "You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974."
  9. Im sure it should be free. Just wait 72 hours and see if they put a link up to a window where you can actually see the persons signature, time of delivery etc. If not all this info is retained by Royal Mail and you could pay for it if you need it.
  10. Next time he calls dont let him in. He has no legal right to set foot on your property unless you invite him in or he has a court order. IF he wont leave, call the Police reporting someone trying to gain entry to your home. There is a legal ruling on this dating back to the 1950s (someone else will be able to quote it for you) that states the only people that are allowed to knock at your door unannounced are Postmen and poeple lost and looking for directions. Equally remind him that unless he has a court order he cannot legally take anything from your house. Call his / their bluff - Say "Take me to court". A Judge will not is an instruction to take more money than you can afford and will look very dimly on any company that are trying to badger you into paying more, despite you already having an agreement in place. Remind them of this. Next time you speak to them request that all future communication be made in writing (that way you have proof of the BS theyre telling you) If the calls continue send them a this letter to stop the phone calls - Dear Sir/Madam Ref: Account Number: Despite my instruction regarding any communication from your company, which stated that I require all communications in writing, your telephone calls continue. This behaviour constitutes harassment; my instruction in the letter dated 7th of Feb 2007 clearly stated that I require all communications in writing. Do not telephone me again and remove any telephone numbers you hold for me from your systems. Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue to telephone me after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office. For your information, note that all telephone calls are recorded. This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. Should the telephone calls not cease immediately a formal complaint, containing copies of all correspondence including yours, will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution. Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003. I trust that I have made myself understood on this matter. Yours faithfully ------------------------------------- Also might be worth sending them a request for a copy of your Credit Agreement that they should legally hold before pursuing you. If they dont have it, which they probably wont, they are cannot contact you to gain payment until they come up with that paperwork. Use this letter - Dear Sir/Madam Re: Reference Number XXXXXXXXXXXXXX I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. 2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists. 3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974. I enclose a £1 Postal Order in payment of the statutory fee and Data Protection Request. PO Number ref XXXXXXX Voucher ID XXXXXXXX I understand a copy of the credit agreement should be supplied within 12 working days of the receipt of this recorded delivery letter. Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued. Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested. I look forward to hearing from you in due course. Yours faithfully ------------------------ Ensure that all letters are sent recorded delivery. But most importantly stop worrying.The law is actually on your side as you are not hiding from paying off this debt. I would stringly advise contacting the Office of Fair Trading, The Financial Obudsman, Trading Standards and the Citizen's Advice Bureau
  11. Have also found this for you; "Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003. "
  12. I would say this would be harrassment! Someone with more knowledge of the ins and outs should be able to provide some details. Did you get the guys name? If so Id call him back and ask for his Managers name. Send a letter of complaint to him and cc in this joker! You'll have the last laugh
  13. Link - Called me at work despite instruction to correspond via mail only, told lies regarding the CCA 74, hassleded me for payments despite not providing a credit agreement, paid £1 for CCA Request toward the alleged debt. Lowell - Threatened me with legal action Ruthbridge - Various letters and calls and contact twice from "delivery" companies asking me to call re packages theyve tried to deliver and then asking me to leave my number.
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