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Posts posted by penmarine

  1. I was under the impression the SB date is from the last payment rather than the default notice date. I'll have a read up as it's technically SB now and dx has recommended sending the SB letter at the start of September which I'm planning on doing for the OH.

  2. Hi Caggers, the OH got a Letter of Claim from Overdales a couple of days ago.  I've attached it to view, it asks that she completes paperwork that she filled out when it was with Lowell's solicitors.  The letter says on one hand they will issue a CC claim then the next sentence is if legal proceedings are issued.  I suppose my question is do I get the OH to just fill out the paperwork again and send it off in line with the previous advice I've been given for her or just ignore them?  Thanks PM

    Overdales Letter of Claim.pdf

  3. I'll have to dig out the info, it will be tomorrow now.


    I remember the application form lack of T&Cs bit when I put a CCA in for her, suggesting it's not a proper CCA at all.


    I do have another question, its more GPDR related if vanquis sold the debt (NoA) why would they still be holding onto information they technically shouldn't be? 


    I only ask as I deal with this at work sometimes, very rarely I must add so things have probably changed.

  4. Hi there,

    got a response to the PAP from Lowells today, account suspended until they receive a DN from their client (Lowells).


    Now I sent a SAR to Lowells previously for the better half and didn't receive a DN in the information sent.


    What happens if all of a sudden a DN appears?

    Would I be able to go to the ICO for failing to fully comply with a SAR?

    Or are they more than likely bluffing on the DN?


    Thanks PM

  5. Evening Caggers,

    I've attached what Lowell's had sent the OH relating to my CCA request

    If you ask if the credit agreement could be better its even worse in real life (its pretty much unreadable to the naked eye). 


    They've asked me on the last letter the OH got off them that they would not be sending another copy of the CCA as they've already sent one.  I get that they've sent her a CCA, but to be unreadable this cannot be correct. 


    the stars aligned today as the postwoman delivered the contents of the SAR I'd sent to Lowells. 

    What they sent was generic letters but without the OH's details showing which I thought was quite strange, copies of what I've attached on the PDF and a couple of legacy information from the previous DCA that had it. 


    What was not included was a breakdown of any additional charges and interest placed on the account nor a Default Notice which I specifically asked for. 


    Any thoughts on what I've posted would be much appreciated. 


    Thanks PM 


    CCA Return .pdf

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