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michsienna

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Posts posted by michsienna

  1. hello everyone, i sent out requests for my cca on 4th of april, only one sent out some thing (which turned out to be a application)

     

    so, the 12 days have long gone by,

     

    and the 30 days they get, we are now on day 26 into that,

     

    so if i dont here of nothing in 4 days time, what do i do next??

     

    im so nervous becouse,none of these debt collectors ent realy relying to all this, apart from one who sent a application form (lowells/capital one), and another who have requested one (littlewoods-which i know there ent one), why they all being so quite??:confused: xxxx

  2. hi pam, when i sent a cca letter to them this is what they sent me along with a letter from them selfs saying i should contact the in 7 days to make a payment plan with them selfs.

    i sent them a letter saying that what the sent me wasent a credit agreement,

    they replyed saying they are only obliged to send me a copy of the original agreement which was sent to me on 19th aprill, and they sent me the same thing again,but this time they highlighted the small print, they go on to say in there letter that by signing this i was accepting the terms and conditions of the consumer credit act .

    sent out the next day i recieved a letter from hamptons legal, (part of lowells)saying that my account has been passed on to there office for attention, this letter goes on about sending a bailiff or sheriff not a debt collector to remove goods from my house, obtain charges against my property, deduct payment from my wages, take money diectly from my bank account, and request that i go to court for a examination of my financial means

    ive replyed to them with yet another letter saying again it ent the credit agreement.

  3. thank you so much for all your doing for me:)

    i think it must be a application form too,ive been reading around, and from what people are saying , it is.

    why is it though that lowells are saying,that the title and wording of the small print make it a credit agreement??

    so bascialy becouse it reads credit card account agreement credit card account regulated by the consumer credit act 1974,

    this does not make it a credit aqgreement

  4. morning everyone,

    today ive recieved a letter in the post from SCOTCALL DEBT COLLECTING SERVICES.(acting for a book club i apparently owe £109 to) they have wrote to tell me that due to the content of the letter i had sent them scotcall will now return this account to there client, and i will here no more from scotcall regarding this matter, the account has been returned as dispute.

    i will now hear direct from the client regarding this out standing amount, if i have any further queries or problems i am to contact the creditor directly.

    i wonder what will happen next xx:|

  5. Thanks. In the meantime do I just keep paying the debt collectors my £100 per month?

    hi there, contact them and tell them you are in dispute with barclays, you dont need to be paying them until you have sorted things out with barclays, even if the debt was sold on:)

  6. one thing i would suggest/remember.

    it is your money they have taken from you.

    don't be 'conned' into accepting that it comes of of 'their' debt!

    request payment in full & in cheque only.

     

    "i have many debts to clear and as this my money you have unlawfully take from my account, i respectfully ask it be paid in the form of a cheque, so i may evenly distribute between my debtors."

     

     

    dx100uk:D

     

    thats what im am gonna do, im sure the reclaim bank charges company will get it all for me too, at the end of the day they are gonna want paying too

  7. I would say the only difference between using a 3rd party and claiming back yourself is that they take so much percent of your claim as payment for doing all the work. You haven't made things worse as far as I can see:)

    I would suggest you send lowell a letter telling them the account is in dispute and you will not enter into any further correspondence until the matter is settled. This worked for me, they stopped phoning and writing to my hubby. In fact, he's not heard from them since, even though the charges were refunded a couple of weeks ago.

     

    i did this with hsbc bank who had sold the debt on to a company called nco, i rang them and said im currently reclaiming my unfair bank charges from hsbc, ive not heared nothing from them since....

    do you agree that even though i have debts with these banks and credit cards that i would still get my money in full, and they will not deduct the debt from it??

  8. Something fishy about Hampton Legal and Lowell Financial Ltd

    On the Companies House register or the Information Commissioners Office register is there no mention that Hamton legal/Lowell Finacial ltd have anything to do with each other trading style or not they have got to be officially recorded somewhere they are linked its got me a bit puzzled.

    sparkie1723

     

    i have on my letter from hamptons, members of, ccua civil court users association

    also members of the ccta consumer credit trade association

    next to there address it has company reg no, 4558936

    also consumer credit licence no, 528607

  9. Are they keeping you totally updated? Do you know the date when they requested the info from Cap 1 and when their 40 days are up? Sorry for the questions, I don't know much about how these type of companies work:)

     

    When I S.A.R - (Subject Access Request)'d Cap 1 I wrote to Lowell and told them the account was in dispute with Cap 1, they replied saying that they would put the account on hold, which they did. Are they aware that you are disputing the amount?

    yes they are very good in keeping me up to date

    capital ones 40 days runs out next week.

    your all gonna think im a right silly moo now, becouse i did not tell this company i have debts with them, i did this becouse i have heard that it makes no difference,its your money and if you want it back in full then so be it.

    would anyone els agree with this???

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