Maybe you should re-read some of the posts regarding the misery and suffering that this vermin have caused! How on earth can you be so naive? A single post appears from a renowned despicable organisation and you are fooled by it? Have you ever actually dealt with Lowell's?

HERE HERE!

I totally disagree! This forum is for US needing help 'from' these people. What is going to happen if they all start this nonsense? Are Cabot, Mackenzie Hall and other **** going to post on this forum? This post is from a VUNERABLE induvidual who cannot understand her recent treatment! That is the ONLY reason why Lowell posted this here. I don't see James posting his garbage on other Lowell threads! They ONLY care about getting your money! Copying and pasting that rubbish is just another ploy into 'getting your money'. This isn't to our benefit whatsoever it is just another tactic bourne from desperation and frustration at the advice given on here. I apologise to anyone who doesn't feel the way I do but I've been put through the wringer by these people and I find it insulting that they have done this.

LOL! James, how many people have complained about Lowell AND complained to Lowell only to be treated with utter contempt? How many of us here have had to deal with your harrassment for Statute Barred debts or using the CRA's as a way of punishing us? Your presence here only goes to prove what a truly disgusting, ARROGANT, INSENSITIVE and despicable company Lowell actually is.

Agreed! Lowell's are not called 'The Leeds Losers' for nothing! In my opinion second only to Mackenzie Hall. If you are being chased by these vermin then 99 times out of 100 the debt/account is unrecoverable in the first place! Lowells and Mackenzie Hall favour the 'hard to prove' type debt! I would suggest the 'Prove It' letter and the 'Doorstep Visit' letter initially for your own peace of mind. Sometimes it's hard not to fret even when people are telling you not to! When you get a reply telling you you are in serious trouble (ha, ha, ha), which you undoubtedly will, then hit them with a CCA request. Be back in a sec with the letters! I can't work out how to link you to the templates, could someone else please oblige?

LOL, you saw the movie as well?

A single tear rolls down my cheek!

I'm having a doo da with Vanquis at the moment over dodgy charges. I sent them a CCA request and they passed the account to CARS. I don't think Vanquis have CCA's as such because it was applied for and accepted on the internet. If you look through the site there are many threads about Vanquis. If will eventually pay them BUT they are gonna have to work very hard! I'm not even considering payment until they remove all the dodgy unfair charges that were applied. They are actually quite crooked, they used to charge me for late payment even though the payment was well in before the date. They have a tactic of putting people over the limit by applying charges and getting you in a position that paying your minimum payment puts you deeper in debt. Have a look at some of the threads on Vanquis, well dodgy operation! RI BTW, don't panic over a CCA for Vanquis, they are very slow to respond. Get rid of the other vermin first!

Don't worry in the slightest! It is nonsense! Sending you a 'statement of account' is one of their intimidation tactics! Trying to 'psyche' you into thinking you owe them more and more money! Pretty stupid really! They will stop eventually! I could paper my living room with them! If you sent them a CCA request and they have failed to fulfill the request then the account is now in dispute and you need not pay them anything! NO MATTER WHAT THEY SAY OR HOW MANY ACCOUNT STATEMENTS YOU GET SENT! Scan and post the CCA that they sent and someone will advise you if it is enforcable! You can't claim back charges that you haven't paid? You have confused me, could you be more specific?

Told ya!

Yeah, Capital One are well known for flouting laws and procedures!

LETTER 2 Capquest Debt Recovery Ltd, Fleet 27, Rye Close, Fleet, Hampshire, GU51 2QQ CURRENT DATE I ACKNOWLEDGE NO DEBT TO YOUR COMPANY ACCOUNT IN DISPUTE Dear Sir/madam, Your Ref: YOUR ALLEGED ACCOUNT Client Ref. CAP ONE CARD NUMBER Thank you for your recent letter. It seems that you have not fully grasped the seriousness of this situation. You have sent me a document that someone has constructed and forged my signature. You have attempted to deceive me into believing that I was in debt to you. You have attempted to obtain money from me by deception. PLEASE READ THIS AGAIN VERY CAREFULLY I have examined the document that you've sent and have very strong reasons to believe it may be a re-construction. I now require that you confirm to me that this is in fact a true copy of a Consumer Credit Agreement for the alleged account. Under CPUTR, I believe that you are legally obliged to inform me. I shall also be forwarding all recent correspondence to Capital One Bank Europe Plc so that they can investigate this matter. I EXPECT A FULL EXPLANATION OF WHERE THIS DOCUMENT ORIGINATED FROM WITHIN 14 DAYS. Yours faithfully, YOUR NAME Cc Capital One Bank Europe Plc Police Service of Northern Ireland Citizens Advice Bureau LOCAL MLA THEIR REPLY Says it all doesn't it?

Rockwell, have you actually sent CapQuest a letter yet explaining that you suspect that your signature is forged? If you haven't, I suggest that you do asap, just like I did! CapQuest will drop it like a hot spud and return it to Cap One. I'll post the letter I drafted if you want it! LETTER 1 Capquest Debt Recovery Ltd, Fleet 27, Rye Close, Fleet, Hampshire, GU51 2QQ CURRENT DATE I ACKNOWLEDGE NO DEBT TO YOUR COMPANY ACCOUNT IN DISPUTE Dear Parasite, Your Ref: YOUR ALLEGED ACCOUNT Client Ref. CAP ONE CARD NUMBER Thank you for your recent letter. I have examined the document that you've sent and have very strong reasons to believe it may be a re-construction. I now require that you confirm to me that this is in fact a true copy of a Consumer Credit Agreement for the alleged account. Under CPUTR, I believe that you are legally obliged to inform me. There are several reasons for my concern. 1. I have NEVER signed a Capital One Consumer Credit Agreement remotely resembling this and thus I firmly believe that this document has been reconstructed and my signature has been forged and fraudulently entered on the document. 2. The address at the top left of the document is not mine and has clearly been tampered with. 3. If this was a properly executed legal document the address would be accurate and not show evidence of tampering. 4. The entire document is mostly illegible and extremely difficult to read, it does not look professionally printed whatsoever. 5. This does not resemble the original Consumer Credit documentation that Capital One sent me upon initial request. 6. Capital One had indicated to me that they were unable to locate an original signed Consumer Credit Agreement so exactly where did this alleged agreement suddenly appear from? 7. The signature on the document, although similar to mine, is NOT my usual signature; there are several very distinct differences. 8. There is clear evidence of tampering within the signature box as a date seems to have been scribbled out. 9. The date that has been subsequently entered in the signature box is in completely different handwriting to mine and has thus been added or adjusted by someone other than me. I am fully prepared, to submit this document to the relative experts in handwriting recognition and forensic science to establish its validity, as this is quite obviously a copy then I fully expect that either Capquest or Capital One will possess the original from which this copy was generated and will agree to further inspection at a later date. I am also taking legal advice and I will be forwarding all correspondence from you to the police in due course for further investigation as I believe that my signature has been used fraudulently. I expect your reply within 10 days. Yours faithfully, PRINT NAME THEIR REPLY

Capital One are still insisting it is valid and they are still investigating my complaint! I fully expect Capital One in their usual arrogant 'above the law' way to ignore my accusations and continue to harrass me for payment. I am still awaiting their response! What I found most intrigueing was that when I accused CapQuest of signature tampering they couldn't get rid of the account quick enough! They dropped it like a hot potato without any further enquiries etc. It was as if Cap One gave the forged CCA to CapQuest who unwittingly thought they were onto a winner! RI

Apologies mate but I and a few others on here have very strong reasons to believe that our signatures have indeed been copied/forged onto enforcable CCA's. Although the jury is still out on this one I would advise anyone writing to DCA's NOT to use their usual signature.

NEVER NEVER NEVER NEVER sign your usual signature, EVER! Just print your name on all correspondance! ie. Mr A N Other Your signature could be scanned and added to an enforcable CCA at a later date! http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/249811-signature-tampering.html

NEVER NEVER NEVER NEVER sign your usual signature, EVER! Just print your name on all correspondance! ie. Mr A N Other Your signature could be scanned and added to an enforcable CCA at a later date!

Absolutely! What is this debt for?

True! I just wanna save the guy a few shekels AND see that these vermin get no more money! I'm a wee bit biased! If it were me I would stop paying yesterday as I despise them all! However, you made a fair point and I'm sure you know more than I do as I'm still a learner! If you are paying them all via a Debt Management company then I think the 'stopping of payments' may be easier! One thing I do know! If, and I mean if any of these bottom feeders have a valid enforcable CCA I'll be extremely surprised!

Just send the CCa requests at first mate! You need to find out if the DCA's have bought the debts or are they acting on behalf of the original creditors. I would hold off on the Subject Access Requests as the CCA requests will be enough to put all your 'alleged' accounts into dispute. The only way you will become 'unstuck' is if the DCA, by some miracle, gets a properly signed and executed Enforcable Credit Agreement to you within the accepted time period. This is about as likely to happen as me teaching my daughter's hamster to drive! Once they fail to supply the CCA, which they will, then you can put the alleged accounts into dispute. Then it becomes enjoyable and you will have much more cash in your smock! RI

Well done mate! I hope all CrapQuest's recent flurry of SD's get the same results!

STOP PAYING mate! It's up to them to prove that you owe them the money NOT for you to prove that you don't! RI

I would bet that CrapQuest ain't got a thing either!

I think that the worm has deffo turned for you! I would be very surprised if ANY of them had enforcable CCA's! Good luck mate! RI

Don't fret about the DV Clearance if indeed this is the case. CTC - Doesn't go into financial matters SC - Checks your financial situation I had to have mine (SC) done recently for my trade in the Army and I am awaiting the outcome! As long as you are honest and upfront about it you will be treated fairly! It's the honesty that's the most important thing with the Vetting system! They will not slate you if you are trying to get a grip on things and are going through a bad patch! Besides, if these debts are as old as they appear then you will have been vetted already and the MOD will be well aware of your situation! As far as I know they use Experian for their credit checks! I have know guys with debts of 6 figures pass SC, as long as the debt can be explained and you don't try to hide anything then you'll be ok! The Vetting people take a very dim view of anyone trying to conceal any past financial problems. If you answer any of the questions regarding defaults or financial problems etc. on the MOD1109 they will send you a Financial Questionaire to complete. BIG pain in the arse to do took me ages to put down all my creditors etc. If I pass then thats ok! if I don't then they will see that I was honest, which is a BIG thing! All it means is they I will either have to 're-trade' or be 'closely monitored'. RI