Thanks ODC, sorting out the forms now and will get them to the local court tomorrow.

What are the first steps I need to take to get this set aside, forms etc?

Its the same as all the others they have sent, don't know if the code is linked to a date with TNT?

There was a code which I have blanked out, also had to cover over a phone number a family member had written on the envelope. No date though.

Hi ODC, just scanning the rest now, I'll scan the envelope as well.

Well, I forgot to post the letter I was supposed to before I went on holiday, but thats not really important now as when I arrived back today there was a statutory demand waiting for me. Its dated 01/08/2008, I left for my holiday on the 04/08/2008 and arrived back today, family said that letter did not arrive for at least 3 days after I had left. Anyway it says I have 18 days to have it set aside, is that 18 days from 01/08/2008, if so, is tomorrow the last day? This is the last thing I needed on my first day back. Getting the scanner plugged in now and will post copies of letter and stat demand in about 15 mins.

UPDATE 7 months have now gone by since I sent off my CCA request (they have acknowledged receipt of it), and I have just received another threat-o-gram, no surprise there. Its a bit late now, but later today I am going to scan this latest one and post it on here for all to see, its unlike all the others I have received from them. Should be good for a laugh. :lol::lol: I will be sure to leave out any personal details, barcodes etc

I received a letter from these losers a couple of days ago, seeing as I am going on holiday later today they will have to wait until I get back before they get my reply in the form of a CCA request.

Sorry to read about your situation, someone will be along soon to offer advice, you will get plenty of help here. Maybe start a new thread in the debt collection industry section. Don't panic we will help you get through this, certainly don't do anything drastic. Sorry I can't offer more, I'm still pretty new to this myself.

Thanks again.

Yesterday was 6 months to the day since I sent off my request for a copy of my CCA. To mark the anniversary Lowell have sent me a lovely letter informing me that my account is to be fast tracked to the bankruptcy division. They go on about all the serious long term implications that come with being declared bankrupt, I trust this is just more idle threats? I have reported them to TS OFT and this has not stopped them. If I want to make a complaint to Lowell directly, is there a template I can use to request a copy of their complaints procedure, or do I just write in and complain, this seems pointless as they have ignored all my other letters, is there no way to get through to them? Have they gone on at anyone else for as long as this, as 6 months does seem to be dragging it out.

I saw it, Dom Littlewood was sat on the guys settee going through the letters he has received, you could see the letter heads of Lowell, Red Debt and Hamptons Legal (all the same company of course). The debt did not even belong to the guy, I'm not surprised at that.

Thanks to the CAG I no longer panic and feel sick everytime I get mail, its just boring now. Just thought I'd keep the thread updated, although there are no real developments just the same old rubbish.

Quick update, its almost 5 months since I requested a copy of my signed CCA with HSBC and I am still getting the threat-o-grames from Lowell. To answer my own question from a few posts back, yes they are still sending out the postcards, I received one last week.

Well done

Received a letter from RED yesterday, this had an old HSBC C/C statement attached to it. This was had my name on it but the address was the local branch of HSBC. The date on this statement was well over a year after I made the last payment (which was over 3 years ago). They said in the letter that I had requested this, as we know I requested a copy of the original CCA. Another letter arrived from RED today, same old blah, you have 7 days, CCJ etc, These have been copied and dropped off at the local TS office who will copy it again and forward it to Leeds TS. So its been 3 1/2 months now since the original CCA request, wonder how long they will carry this on.

Are they still sending out the postcards?

Heres the latest, I have scanned every single letter Lowell have ever sent to me, including the dodgy postcard, plus copies of the £1 postal order receipt (for CCA request) and copies of all the receipts for the special deliverys and recorded deliverys, also copies of the letters I have sent to them. I have even sent copies of the print outs of the proof of delivery signatures from the royal mail website. A bit more ammo for Leeds TS. I even keep the envelopes as sometimes they have a date stamp on the back, most of the time this is 3 or 4 days after the date on the letter, so in the case when I had 3 days to pay they made it impossible for me to do so. They also did this when they put the repayment amount up, so I had no time to do anything about it. I have the proof of all of this, you thugs.

Letter from RED this morning, they must have posted this the day after the one I recieved on friday. This must be my last, last, last, last, last chance, untill the next one. They state they can see no reason for me to not pay, what about the fact that they are in default, I think thats a pretty good reason. It was funny for a while but now its just boring. They continue to flout the rules they are supposed to adhere to, and yet nothing is ever done to stop them.

I remember Cap1 ringing me once about a late payment and asking me why I signed up if I could not afford the basic repayment. I told him I only signed up in the hope it would stop all the junk mail they were sending me, that shut him up :grin:

IF I won the lottery I MAY take out a few full page adverts in the national press informing people of their consumer rights in regard to DCA's, and not forgetting to mention the CAG I bet I could cost them more than the adverts cost me. I wonder how much a carefully worded full page advert is???

Thanks for the reassurance. I would just like to say thank you to everyone who as helped me so far, I don't know where I would be without this forum.