Evening AW don't call them, you will get more help from wiser heads than mine shortly im sure, but if your not used to speaking to these people or have a lack of info & knowledge they will gain more than you! I would deal only in writing & send recorded & keep copies. You probably need to send a proof of debt CCA request to Lowell's or A S.A.R to littlewoods P F, but do some more studying on here in the F.A.Q's And other threads before acting hastily, Hope this is a little help more will be on its way im sure

cheers guy's I might have to wait a couple of day's before acting on this, intresting to see what else they send!!! The comments i have read on them so far seem to say they are a DCA pond life **** of the highest order, which is different to how they look on their own website!!

not sure if this thread will be best off here for advice (MOD's ?) http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33520-1st-credit-littlewoods-woolwich.html#post270608 Bit Of an old thread here, I have just received a letter from Lowell. Financial acting for their client Lowell Portfolio l Ltd ( the " l " Is a small L) relating to this matter This was in default of a CCA request since 22/11/06 with 1st credit limited Am i right in thinking that it could not be sold or passed on to anyone in default status? Also Lowell Portfolio l Are they a registerd data controller I read on a thread that they are not? Thanks Ally

Bit Of an old tread here, I have just received a letter from Lowell. Financial acting for their client Lowell Portfolio l Ltd ( the " l " Is a small L) relating to this matter This was in default of a CCA request since 22/11/06 with 1st credit limited Am i right in thinking that it could not be sold or passed on to anyone in default status? Also Lowell Portfolio l Are they a registerd data controller I read on a thread that they are not? Any clues anybody ?

Evening everyone have some complicated CCA issues on my thread in Debt & bailif Advice any help/opinions would be great as I am perplexed!! http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/33520-1st-credit-littlewoods-woolwich.html Thanks Ally

Happy New Year one & all may this be a year for justice to all those robbed by any financial institutions!!! I received a letter from someone high up in 1st credit just before new year stating that the account I had with Littlewoods was a woolwich current account with an overdraft facility!!! It states on the letter that this being a current account does not come into the legislation of the CCA sections 61,77 or 78! This has phased me slightly as I did not open a cuurent account with Woolwich I had no regular payments going in Ie: Wages or ever recall receiving a paying in book cheque book etc. It also states that the account had a revolving credit facility without a repayment schedule & payable on closure of account I have one original statement from littlewoods & a full set of copies via 1st credit which are marked woolwich, The original statement is in the layout of a normal barclay card type stating a minimum payment/credit limit/ it also states on the back of the statement about making payments and may create a credit balance! On the copy Invoices it states woolwich & account type littlewoods flexible plus & is in the layout of a typical bank statement. I also received a copy of a letter demanding payment from littlewoods when the account was only £1,570 of its £5,000 limit demanding a payment to bring the account up to date!! Also their was PPI on the account As i put all the facts together this was a credit card style account and not a Current account & I think 1st credit are trying to do the normal DCA approach of bullying/lying to try & get money!!! Not sure what approach to take next, They will call tomorrow as I missed a call today Any Ideas my learned chums??? Ally

Evening any opinions on this letter appreciated if Ive missed any thing out or am being to harsh plese let me know need to post tomorrow 24/11, should I mention that the documents they sent do not cover what is required? Dear Sir/Madam Re:- In reply to your letter received 16/11/06 in reply to my request dated 26/09/06 You have failed to supply the documents requested within the time limit of the legislation, and are now in criminal default for breach of The Consumer Credit Act 1974. Any alleged debt is totally unenforceable and I shall be reporting 1st Credit to the relevant enforcement agencies I shall now be investigating all dealings on this matter and will contact you in due course, you will receive no further payments and I inform you that this matter is In Dispute Yours Faithfully Ally

Evening Had an expected call from 1st credit today, asking me to increase my payments, they continued to discuss my account even though I refused to go through the security procedures over the telephone, I informed them that a letter would be on its way to them this week, Has any one got a template for this type of letter, breach of CCA? As im not to sure of wording etc & my letter writing Skills are as pretty poor at best!! Any help would be great Ally

Thanks Tam thats what I thought aswell, I will make them aware of the situation and see what happens, The big CCA thread is still enthralling keep up the hard work mate later Ally

Greetings all Damm that 12+30 time limit drags!!!! Expired today, 16/11 , but on the 15/11 1st credit sent a copy of the application form signed by myself & a letter dating back 6 years requesting the minimum payment! It mentioned nowhere on the application the CCA at all, there is no offer of a cancelation opt out or any signature by the issuer, so as i see it this is not what is required under the CCA request? And am not sure of what is the next step to take, thanks

Sweet my thoughts exactly cheers Tam good luck on the CCA thread its been an inspiration Ally

Quick update, the 12 days are up on the CCA request , should I contact them to let them know ? I have already sent a letter before the time limit expired reminding of their obligations, Also is it 30 working days from the initial request before they go into default or 30 days? Cheers Ally

Should i still send a D.P.A , S.A.R?

Ok hows this for a reply anything else i need to add or errors i've made? Dear Sir/Madam In reply to your letter dated 2/10/06 and further to my request dated 26/09/06 I remind you of your obligations under the Consumer Credit Act, Firstly, you must supply me with a true copy of the agreement you refer to in this matter within 12 working days. This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974 - your obligation also extends to providing a statement of account. You have received a £1 postal order in payment of the statutory fee. I also require that you supply a signed true copy of the deed of assignment of the above referenced agreement. You are reminded that you are obliged to supply these documents, whether you are the original creditor or not, under section 189 of the CCA 1974. As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA 1974 and therefore is a complete defence to any court claim that is issued Yours faithfully Ally

So how does the VAT work on DCA's do they include it in their recovery charges against the debtor or is their a loop hole again? as this would surely arise every time a debt is passed on between companies?