Duhhh!!!!!! Does he not think the Court would like to see the real one not the Photoshop version:D

Sorry I must have read your post wrong. I didnt realise the money was owed on the van. Technically it wouldnt be theft then. They still could not have taken it without your permission. The HP company only own the van not the expensive tools that are in it. They would be in deep doo doo if for instance some expensive piece of equipment was missing or damaged

Report him to the Police for theft. He had no right to take the van unless he had a court order. Make sure when you get the van back that there is nothing missing from it. He has stolen your van and is guilty of theft as he told lies into getting you to part with it. He has committed a criminal offence.

The longer the chain gets between the original creditor and the DCA the more likelyhood that they will be unable to supply the CORRECT paperwork. They look at what they paid for it and see whether its worth pursuing. As long as they get a return on at least 10% of the debt they buy then they are happy. That is of course until those 10% who believe their scary letters and threats discover this forum.

Wonder how they would like it if we looked them up on 192.com and sent a doorstep agent:cool: to call with them re a problem.

It should be made illegal to pursue people after the debt becomes statute barred. Surely the fact that this is law should make it an offence to ask for something which they cannot legally claim. No doubt someone on here will take them to the cleaners sometime with a test case

Which goes to show how little they actually paid for it. It allso means they cannot prove it either. Bit of bad luck they are having

Just as a matter of interest who are the DCA Im sure we can probably guess

Seems a bit OTT to me. Send them a cheque by recorded delivery.

Mine is winging its way between Lowells and their highly efficicient paramiltary wing so I suppose my paper trail should be in the next Junk Mail dispatch. I will be watching developments here

Curiouser and curiouser

What a silly Billy he is.

These book clubs probably do not even have a CCA. The DCAs are just trying it on. In a few months time maybe you will get another series of them which will follow exactly the same lines as the last shower. Trat them with the same contempt. Their threats came to nowt and doubtless any other DCA foolish enough to try it on with you will have the same result.

Have you checked with Royal Mail that they actually signed for it

Looks like yet another mass posting of their Junk Mail

Have Lowell actually produced an executed copy of an agreement signed by bot you and Capone. If you can scan what they sent you on here someone will advise you whether or not they have complied with the CCA. As regards the overdue charges etc you should send a SAR to Capone (see templates) and see what unlawful charges they have imposed. The inform Lowell in writing that the alleged debt is in dispute.

Another case of one part of Lowells not knowing what the other part Hamptons is doing. This letter appears to be dragging themselves deeper into the doo doo. They are totally flouting the law.

If they couldnt produce the paperwork to enforce it its hardly likely that any other DCA will be able to. Yes they may try with the usual threatenting letters but as you have shown empty vessels make the loudest noise. Enjoy this victory and armed with the experience and knowledge you have gained you will stop anyone else in their tracks. Forget about it. Each week that passes brings it nearer 6yrs and then its too late

I wouldnt worry. They would need a copy of the agreement to prove the debt exists. Also they would need to prove THEIR right to colect it. Thats my opinion but doubtless some wiser more experienced folk can give you the legal view. Keep smiling

NO You have made a lawful request. They MUST comply within the deadlines. They are well aware of the law sepite the weasely words they may use to say otherwise.

They have told me that so many times. I wouldnt worry too much about that. Jiust wait for the response to your CCA letter

I cannot believe they would actually be stupid enough to write something like that. They have opened a huge can of worms for themselves. No doubt the courts would make mincemeat of them but they have admitted they have no legal authority to collect any debt. In fact they cannot even prove one exists. Enjoy the sweet smell of success or is that the smell of Aktiv slipping deeper into the mire

Just tell NCO to take a very large FECK OFF pill

Just who do they think they are. They are not above the law. Make sure you have proof they have received the harassment letter and if they continue with the calls. Go straight for the Jugular. As the previous poster said the simplest thing is to refuse the security information and hang up. You pay the phone bill so its up to you who you answer. There are other legal methods available to you to stop these bullies. Read a few of the threads and you will see.

Its not your job to remind these 'people' of the law. They are well aware of it and what they need to do. The letter is a standard computer generated load of baloney.