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  1. So I have not acknowledged the debt or made any payments in the last six years, are we saying that this will be statute barred . where do I find the letter template to send to Lowell's
  2. 7 years ago I left the country and total forgot about this contract came back 1 year later and they have just started sending the letters
  3. This is what I sent Date / /2011 Dear Sir/Madam Re:- Account/Reference Number 0000000 This letter is a formal request pursuant to s.77(1) of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Using CPUT I enclose a cheque in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. We look forward to hearing from you. Yours faithfully Me
  4. Hi all I sent a prove it letter to Lowell and the sent me my £1 back saying We are in receipt of your recent written request for a copy of your executed credit agreement under Section 77 (1)and 78 (1) Bla Blk Please note that the balance requested for payment is a service agreement and not a credit agreement as defined by the Consumer Credit Act 1974 they are trying to get the balance from t mobile put the account on hold Any ideas on what i should do next Thanks scooby3408
  5. Hi all Thanks for your help I will keep the Thread up to date until the end. Will post the prove it letter Saturday , Cheers Scooby3408
  6. It's been almost 7 years, I have just tried to open a new bank account, for the 7 years I never had any bank or on any paper work for the house I now live in. I'm a bit worried that because I never had any bank or anything. Can they say it was impossible to find me so the six year bar will not be inforce
  7. Do you think I should send a prove it letter Thanks scooby3408
  8. Hi Just got home from work and found a letter from Lowell, saying that they own a debt that I owed a bank almost 7 years ago and I had no contact with them for the time, can someone please point me in the right direction where I can fined a nice letter to seen them Thanks Scooby3408
  9. Has Lowell taken any one to court and got a CCJ and if so how much was the outstanding amount??
  10. Sorry this here it is Hamptons2.zip
  11. Hey Guys And Girls Nice weather this weekend just got back from the seaside, Anyway just please cast your eye over this for me I think is just bull. Moving house soon so they will have to find me again only 52 ish weeks left. Cheers Scooby
  12. Thanks For the replay, I was thinking that they where S***, they still don't know where i live, sending letters to four different address at the same time.Only 53 weeks to go.
  13. Hi Guys-Girls Just had two letters from DCAs please can you have a look and confirm it is just tempet letters> Cheers Scooby scan0001.zip scan0002.zip
  14. Interesting I'm thinking about cca Halifax so i will be following good luck
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