This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

The bank could just decline the sale at where it is being done and though it might inconvienience you at least you wont get a letter a week later saying "we are charging you thirty quid as you went a few pennies into unauthorised overdraft" Do the banks do this on purpose to print themselves more profits ?

They said thank you for arranging payment and enclosed is a mandate for you to complete, I had not had any letters from this DCA (Lowells) since they were dropping collection activity as they could not produce any agreement (CCA) over a year ago and I have certainly not spoke to them about setting up a DD. Are they just fishing and should I send a letter back to them ?

Thanks everyone for your replies.

Cheers for the reply, I just emailed JSA with the same question.

I am thinking of increasing an existing policy but I need to be sure I would not be barred from claiming JSA because I had the policy.

And if it is still "yes" how do I go about getting a default removed from my credit rating ?

Thanks for your reply, would your answer yes apply as the default was put on by the original lender and not the DCA ?

I had an old debt which had a default put on my credit file ( under 6 years ago ) a DCA also persued me for the debt but they could not produce a CCA so told me they had closed the file on it, am I within my rights to get the default removed ?

I CCA'd Lowells and they cant find it so they are no longer persuing unless the CCA turns up in the future, should I send a final letter warning them not to try and sell this matter to a different DCA and get any defaults removed that they may have put on my credit file ?

I took Lowells to the county court last September and they sent a barrister down to defend, he produced some document from the 1930's to the judge who swallowed it, I could not even understand the document ( in court was also the first time i had seen this document as it was not put in their original evidence), I was trying to sue them as they "bought" a debt in dispute and i paid them a few quid to get them off my back not knowing at the time I should not have given them a penny and told them to give the debt back to the company i was in dispute with.

I told one recently that if they did not return the money they deceived from me that it might be mightily tricky for them to obtain credit in the future, I also wished them a merry Christmas and a very happy new year, all in a Blackadderish sort of way.

Thanks Twofoot.