Was opened back end of April 2007, so i'm stuffed Thanks anyway Brig Bright

Another quickie question, would they need to produce the original if went to court? Just wondering if I should stop fighting the good fight Thanks Bright

Quick update, rec'd letter saying that the recon satisfies the request and that the late delivery of letter was due to the amount they sent out. Still doesn't answer whether an original exists. I have a month to either dispute the debt or enter a payment plan. Should I go back to them and tell them that their dates don't tie up and request if they have a true copy cca. They do seem to be avoiding the question. Thank you all so much for your help with this Bright

oops!!!

brig you write a very good letter, i especially like who its from lol i will keep you updated how i get on thank you so much bright

thanks brig that is very kind of you. thanks guys for all your help you are all stars thanks bright

brig is that yes to compliance manager or yes to account in dispute. If dispute how do i do that? thanks bright

should i put the account into dispute? thanks bright

On the letter with the statement they are giving me 7 days to either pay in full/enter agreement or they reserve the right to issue legal proceedings against me thanks bright

Thanks Brig, the 7 days runs out today and i only recieved the letter today, do you think they will take action? should i send to the compliance manager? thanks bright

Is this my only option? The dates that are on the statement and on the recon don't agree by about 6 months is this normal. Can I re-request proof of signature? They have said I need to reply within 7 days or they will instruct their solicitors Sorry to be a pest Bright

would you write to them again then and re-request the information?? Is there a template i could use? Thank you so much for your help. Bright

sorry, another question.... although they are stating adamantly that the recon they sent is a true copy and didn't actually answer the question as to whether a true copy exists and have only sent a spreadsheet on with selected info. Do they have to tell me whether a "true" copy exists? or do i just take there word for it? Sorry to be a pain Back to worrying Bright

From lowells. I haven't sent sar yet, i havent been able to afford it (sorry) thanks bright

Update: This morning i have rec'd statements only listing some items from 2010 not showing anything before then (they said it would show how the debt was accumulated). Is this acceptable and should i start paying? i need to respond within 7 days. Thanks bright

Thanks for that, i will wait and see. i will let you know what i get bright

quick update guys, today i rec'd this letter to my true signed copy request after recon sent "the procedures an processes of sd would not have allowed credit facility had they not recd a signed application. since april 2007 the courts have the discretion to decide whether any amount is properly payable etc then goes on about consumer credit act 2006 please be advised that we have requested copy statements from sd to show you have the outstanding balance was accrued. these will be sent to you upon receipt. we would prefer to try to resolve this matter amicably and now hope we can look to agree a mutually satisfactory payment plan that you can afford. Yours sincerely " After my initial panic, i just wait to see what "statements " they send dont i? thanks a calmer bright

Thanks dx sorry to have caused you hassle Yes on cra file when I checked a little while ago After speaking with a friend I have sent the true signature letter, and wiLl see what they come back with I will have to wait to sar until I get paid, will the delay make any difference? Thanks again for all your help, I will try to chill out a bit and stop giving myself big headaches Bright X

Thanks again Dx, but it isn't the same debt. I have been paying shop direct for approx 2 years at lower payments only just passed to lowells. They have sent the recon agreement. Bright x

Thanks Dx, i haven't done the sar yet. What should i respond to them with? You already know i worry and i am making myself ill at min with worry. The more i read the worse it gets, i am scared they will issue sd as i am an homeowner as i have read they are sending them out regularly. So sorry, feeling really sorry for myself at min Bright x

Sorry to be a pain. Just a quickie question - they have sent a reconstituted cca the account was opened april 2007 should i just enter payment plan with them? Thanks for all your help and patience Bright x

I had a few accounts with SD I have been paying this one at reduced payments to shop direct for the past 2 years but now they passed to lowells before xmas. They sent introductory letter so I sent cca request, they recd this tuesday, but I recd another letter today stating its still unpaid and they will take legal action. It was dated tuesday so I'm thinking that maybe this letter was sent before they saw my request. I am such a whittler as you can probably see. I just wondered if they really would take action. It said they would either seek court action or send a rep around Thanks for all your help Bright

Last week I recd letter stating acct had been passed to lowells, sent letter requesting cca. Today recd another letter from lowell financial stating I haven't paid and they WILL take legal action. Should I be worried? They didn't acknowledge the cca request at all, letters may have crossed in post so am I worrying over nothing Bright

is this ok? Thank you for your recent correspondence. I have already received letters in answer to the signed CCArequest, firstly to state that due to the age of the account Shop Direct haveconfirmed that no signed agreement is available from their records and secondlythat you have closed the account and wrote off the outstanding balance.

thank you brigadier x