Get a statement of account out of them and see what unlawful charges have been added on. Then claim them all back with an interest rate on top. Lowell = **** of the earth Sploits

Nope you never let me down. Well done on a fantastic result against the leeds idiots, you shot them down in flames well and truely Sploits

Subbing as I'm dying to know what the outcome was. I hope the leeds losers got shot down in flames Sploits

Mackenzie Hall tried to tell me that the statute barred clock began from when the default was issued but I soon shot them down in flames and they soon agreed (after an email arguement) that they were wrong and that my debt was indeed statute barred. Get the letter fired off and see what you get back but dont take any nonsense from crapbot Sploits

Subbing with interest

I have 2 friends who unfortunately are on the 'dole'. They dont want to be on it and are desperately trying to get back to work as the money they get from the government is terrible. But I do remember listening to a Sunday night phone in on my local radio station a few years back and it was on about families not working etc and a woman phoned in and said she had around 5 kids and that basically paid for everything she needed. If she wanted something else (new car etc) she would just have another baby and make the goverment pay for it. It disgusted me to hear it. I am one of the lucky ones with my own home and a decent job and i do feel for the people on the dole who want to work but are just not having any luck finding employment. But there are also people out there who screw the government over

If your brothers details and signature arent on the CCA then it would not be enforcable. This happened to my friend. He asked for the CCA and they just sent him the present terms and conditions. My friends name nowhere to be seen and his signature wasn't there either just a blank box to sign. Barclaycard never seem to get this right More help will be on the way shortly. Sploits

Hi PGH7447, I will ask her to do that but I know what a worrier she is and she just wants the problem sorted and away from her home. I guess its just the waiting game now to see if they send a reply to my home address or not.

Thanks twofoot. I replied as I didnt want my mother worrying about it. She seen the letter so she knows what its about. I didn't want her thinking that somebody was going to come knocking on the door and come in the house and start taking stuff, even though I told her this could never happen she still believes it would and wanted the matter away from her home (perfectly understandable). If a CCA does pop up and is enforceable I'm sure I can bombared them with things to draw this out until the 6 years has passed. Just wondering IF Provident keep their paperwork in order or if they are like Crap One and don't. Sploits

Good morning fellow CAGGERS. After sunning myself in Turkey for the past week I return home to a phone call off my mother saying i had a letter at her house (where I have not lived for around 5 years). I went and got the letter and it was from a company called MIL Collections. They are saying that I have an outstanding debt with Provident Personal Credit for just short of £400. I do remember me and my partner at the time did get some cash from Provident and then we split up and it was something that I just stopped paying and forgot about. We split up around 5 and a half years ago so I know this debt will be statute barred at the latest February 2010. Yesterday I sent off the CCA request to MIL Collections and will wait to see what they send me back. The main things are: * What are MIL Collections like? Will they honour the CCA request or are they like other DCA's and will just ignore it and hound me even more? * I headed the letter in big black bold text: PLEASE SEND ALL FUTURE CORRESPONDANCE TO: "MY CURRENT ADDRESS" FAILURE TO DO SO WILL RESULT IN NO FURTHER CORRESPONDANCE FROM MYSELF Will they actually click on to this and stop sending things to my mothers house (dont want her worrying)? * The original CCA will have been signed by me (IF signed by me) around summertime 2003, will Provident still have this on file? Thank you in advance, Sploits

Subbing

ODC your statement about Lowell/Hampton/Red..................I couldn't of put it better myself Sploits

Ha yeah I should write to them and ask who they are today. No doubt the muppets won't have a clue and it will cause havoc in the leeds office Sploits

If there is no CCA then i wouldn't bother paying them anything. Plus I would possibly SAR egg and claim back any charges. Other people will be along to give more advice Sploits

Somebody at a DCA wasnt checking what they were doing before sending out threat-o-grams?? But thats unheard of isn't it Sploits

Ah so the company basically fires out standard template letters for several DCA's. Who has given this company the right to process our data????? Sploits

Strange, all of mine to press have had the leeds return address on Including the phising letter (around 3 weeks ago) and the 1st letter demanding payment (1-2 weeks). Why would Lowell want undelivered mail to go to MacKenzie Hall???

Yes it is really strange. My last alleged debt that I had with Lowell was handed to MacKenzie Hall after Lowell failed to get me the CCA but that dragged on for over a year before MacKenzie Hall admitted defeat. this has only been 1-2 weeks. The CCA request was sent to Lowell last Friday after 1 letter demanding money. Its really weird Sploits

Good morning fellow CAGgers, I am at present dealing with a little alleged debt with Lowell. I sent off the CCA request and yesterday recieved this envelope: I recognised the address as MacKenzie Hall (who I have defeated in the past). But when I opened the envelope the following letter from LOWELL was inside: It stumped me abit as to why either MacKenzie Hall would be sending me Lowell letters or to why Lowell would use a MacKenzie Hall envelope. Lowell cant of possibly handed the debt over to MacKenzie Hall as the 1st letter i recieved about this alleged debt was only about 1-2 week ago. Any ideas why this has happened?? Sploits

Oh you better believe I'm subbing to this

They pestered me a few years back for a statute barred debt which they never produced the CCA on and flogged it on to MacKenzie Hall so it isn't the first time I have heard from them but its the 1st time I have ever received a letter like this. Just strange how mmost of it is wrong for past address even though when I check my Experian Credit Report its actually correct on there. I cant wait for my next letter from these muppets. I'm itching to get in touch and wipe the floor with them but I will wait and see what nonsense they pull up Sploits

Good morning, I have just recieved this from our friends in Leeds........ looks like they are phishing for something and want me to confirm an old address. The funny thing is they have quoted a house name that has NEVER existed. They got the village right but then got the town wrong and got the postcode completely wrong! I guess the info they are purchasing off experian is a load of bull. Funny thing is I subcribe to all 3 credit reports and they all have my correct data. I guess its just sit and wait to find out what statute barred debt they can pull up as I haven't lived in that village now for 7-8 years Or should I send them an email........................ Sploits

Hi mam62. Make sure you post up the CCA's IF you ever receive them. Also as others have said once the 12+2 days has past stop payments. Also if you receive the Statement Of Account then pop them up as there will be a god chance you can claim back your unlawful charges Makes interesting reading about Westcot................. Sploits

Hi Landy alert. I am now planning on sending them this letter and see what comes back: Your Name Your Address Your Town Your County Your Postcode Date 2009 The Company Secretary The Creditor Creditors address Creditors town Creditors county Creditors postcode LETTER BEFORE ACTION Section 7(1) – Data Protection Act 1998 Account: XXXXXXXXXXXX Dear Sir / Madam, You have failed to comply with my Data Protection Act Subject Access Request dated xxth xxxxxxxxxx 2009. I will remind you as to what documents I expect. The following is by no means an exhaustive list but in the main this is what I require. Please supply me with a complete list of transactions and charges relating to ALL accounting history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, all records you hold on me relevant to this account, including but not limited to: 1. A transcript of all transactions, including charges, fees, interest, repayments and payments and both the original amount of the loan and any repayments made to the account. 2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company 3. Where there has been any event in my accounts history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response 4. True copies of any notice of assignment and/or default notice or enforcement notices that you may have sent to me, with a copy of any proof of postage that you hold. 5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted. 6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers. 7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 8. A genuine copy of any deed of assignment, or proof that you have a legal right to this money. 9. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998 10. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed. 11. A copy of all account statements for the duration of the agreement. 12. Please would you also advise me of the logic involved in any automated decisions taken by you about me pursuant to section 7(1) (d) of the Data Protection Act 1998. 13. A True copy of the consumer credit agreement section 77-79 of the Consumer Credit Act of 1974 for the account. 14. Any Other information relating to this account. If you do not comply within the next 14 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice. Yours Faithfully, Lets see what dribble they send back lol Sploits

Thank you Saintly_1, I will get on it straight away Sploits