Thanks dx

Thanks every one, Only took 32 Months to get this far. I am still getting phone call from random debt collectors but I don't pick up the phone. I am a little confused as to what will happen now. Will lowell come back after me again or will another debt collector come after me for the money?. Made a small donation thank you. Regards

Reply from Lowell Dear Mr xxx Your credit agreement We refer to your request for a copy of the original credit agreement for this account. After liaising with Shop Direct in an effort to obtain this document we have been advised that it is no longer available due to the time since the account was opened with you. We are closing your account at this time we have closed our file and will not make any further contact with you concerning payments against this account unless the copy of the agreement is received at some point in the future from Shop Direct. if you have any questions please contact us via phone.

Thanks dx, Lowell have put me on it in Oct 2014 default by February 2015 the debt went up by £96 app. Regards

Hi dx Regarding "is this on your credit file?" is that my credit report you were asking about? I could apply for a £2 statutory credit report online if that helps Regards

Hi dx I have no idea ? Regards

Hi dx Thanks Could lowell or another debt collection company still get the agreemet later on and still go after me? Could I offer lowell 12% full and final settlement of the debt before the 12% is gone to end this?. Or would that make my situation worse? Regards

Hi 12+2 Days are up today no credit agreement from lowell. What are the implications of this to me if anything could they still take me to court over this catalogue debt. Also puzzling me is I have been getting phone calls from 1st Credit "I did not awnser them" as apparently they also buy debts off other people. Not sure whats going on. Regards

Hi dx, Thanks, they got it on the 12 March so by 2nd Apr. Regards

Hi, Got a letter from lowell last week saying they have been in touch with shop direct regarding the CCA also saying shop direct have to let lowell know if they are trying to retrieve the agreement and if they can't obtain a copy they will write to inform me. Also saying once I have seen the agreement they will ask me to pay the outstanding balance in full. CCA was delivered to Lowell and the 12 days is up today by my calculations. Regards

Thanks Mike

Hi Lowell say they have requested a copy of the credit agreement from the orignal lender and will let me know if they do not hear from them in time. What are the implications of this to me if anything?. Regards

CCA "section 78" posted today 1st Class royal mail recorded signed for tracking Added "I do not acknowledge any debt to your company." PO sent blank and crossed, I added on the back: 'for statutory consumer crediticon Act agreement copy £1 Fee ONLY' not to be used as any payment against any alleged debt. Regards

Hi Andy, Sorry but I can't find the template Got it Andy Thanks

Hi Can you tell me is this the correct CCA to send them for a catalogue : Removed

Thanks dx will do Regards

Hi Mike, No I have not received any copy or recon of a signed credit agreement during the 3 years from Shopdirect. So I will send them a CCA Request asap. Thanks for your reply Mike

Hi Mike thank you for your reply The redress I got from k&co was only 50% approx of what lowell are after I had to pay off other debts I had so I am only able to make an offer to lowell for 12% of the debt they are after not sure lowell would take that. I am still on Employment and Support Allowance and don't want to lose my house thats jointly owned with my wife. Regards Hi again Should I send a CCA Request first?

Hi All, I ignored all letters from lowell BUT got this from them today can you please give me advice on what's my next step do I need to do anything ?. pre-legal assessment dear #### Your account is escalating we refer to our previous letters unfortunatley we've still not agreed with you how you'll repay your debt with us and therefor4e it has been escaulated for legal assesment. you can still discuss this with us before it escalates futher we will not ask you to pay more than you can afford so call us. if you don't do this and we decide to use the county court to recover this debt, the court process will be as follows 1. you will receive a claim form from the court claiming the outstanding ballance plus court fees and solicitors costs. 2. if you still do not pay, 14 days from the date of that claim the court CCJ will be registered against you unless you file a genuine defence. 3. the ccj will stay registered against you for 6 years, unless you pay withen 30 days,which may not only impact your ability to obtain any future credit but also means we will have 6 years to enforce the ccj. what enforcement means Enforcement is a county cort process which allows us to use the courts to recover the amount of the ccj. an example of enforcement is an attachment of earnings: this means your employer would be ordered by the court to pay them directly from salary untill the ccj is paid in full. the court would pass the payment to lowell. the last thing we want to do is take legal action so please call. Regards.

A Big Thanks to you ims21 and to dx100uk and the others on the forum like that helped you know who you are. Regards still In Debt, and Digging Deeper to Find Relief LOL

Thanks ims21 I feel I let the side down with my costly mistake in contacting Chief Executive at ShopDirect. When you have time could you tell me how to claim back any charges. Regards

Thanks ims21 I will do as you say and see what Lowell do next. Yes had a few charges added to the account but no have not done anything about the charges reclaim yet. Regards

No I have never responded to anything from lowells

Thanks ims21 Dam! I did not know that so when I get the cheque. Lowell who say they bought the debt from K&CO will still be after me for the full £9000 Regards Regards

Sorry ims21 I don't understand can you please elaborate? Regards