That's great thanks Mike DM

Thanks Should I sign my name differently to my usual signature? I had to sign my name at the court and put crosses through it in case Lowells got a copy but it didn't seem enough for them not to be able to copy it! DM

Hi 42man There is no key to abbreviations so I have done my best to understand them but it clearly doesn't mention the dates and contents of any letters they have sent me and as you mentioned no letter of assignment. So I am going to write back stating they haven't fully complied with my request and I assume they will be forwarding further information as soon as possible as their 40 days will soon be up. What do you think I should do about Barclaycard? Should I reply to their letter or just show this to the judge if/when I ever hear from the court!!! Thanks again for your time DM

Hi 42man Lowells SAR was lots of screen prints of various sorts and a list of notes but no mention of the letters they have sent me since purchasing the accounts. Also included a page for each account headed "Information for default Debt" listing charge off date etc last two on list are bank a/c amount and savings a/c amount that implies my savings account had exactly the right amount in it to pay off the one debt (I wish!!). There is also a statement of account and a copy of one of the letters I have sent but not the other! As far as Barclays is concerned I understood their letter to imply they think a third party was asking for my information which I assumed was just another excuse to a get my signature and b stall for time. Thanks again for your time DM

Thanks 42man! So are you saying I shouldn't bother replying? I haven't even heard from the court yet about my application to set aside! DM

Hi CAG I haven't heard a thing from the court or Hamptons! I'm thinking of writing to Hamptons saying that as they have not complied with my CCA request and as my SAR request has not been fully complied with I assume they are no longer considering making an application for my bankruptcy as they are unable to do so without the necessary documents. Is this a good idea? Any advice gratefully received. DM

So..... Lowells send me half an effort for a SAR and Barclaycard "require a signed letter of authority from the main account holder in order to accept requests from a third party signed within the last 6 months" They have returned my postal order and yes it's taken them half of their allotted 20 days to tell me this! What a joke! DM

Thanks Catquest! If they can't come up with docs will they stop their proceedings? Or are they likely to continue without the agreement? I am just reading up on charges! Although I have no record of these account numbers I do have many debts with many companies and one link lead to another.... I was always very good at paying the minimum payment before the due date before my life changed in 2009 so I doubted there would be any charges but I do have some overlimit and late payment charges for the time between CCA ing/stopping payments in 2009 and the time that they closed the accounts. Still not sure if I can claim these back but I am still reading!! DM

Hi Folks I have not had any further info on my CCA request from Lowells. They acknowledged receipt of my request and said they had asked original lenders for copies. They hoped to send them within 12 days but would let me know if they didn't hear in time. Lowells have replied to my SAR request but it is obvious they haven't sent everything. There is not one mention of any letters sent to me since they purchased these accounts and I have many many letters!! Their log also shows that they haven't called me in the last two weeks (funny that because I'm getting calls constantly!! - All logged). So I'm guessing I write back to them thanking them but telly them it obviously isn't fully complying with my request and I expect them to send all further information within the required 40 days? What is the situation with this? As I haven't heard anything more is this not proof that they do not have the agreement and therefore should not be allowed to apply for BR without all the documents? Can anyone give me any idea if I'm doing the right thing? Many thanks DM

Thanks 42man I did think it a bit soon! DM

Hi Folks Can I just ask a quickie? Do I include the quote about costs in my affidavit or is that for a later date? Thanks DM

Cheers Ford I have to get set aside by end of next week. I have had confirmation from Hamptons that they are trying to get original agreement from original creditor which is proof in itself that they do not have the documents they are meant to before the proceed! DM

Thanks Ford They are credit cards one original barclaycard the other account bought out by BC. DM

Great Thanks!

Thanks so much 42man! I am going to SAR them both and CCA Lowells. No harm in trying! Can I also ask your opinion on my comment a few posts back please? It says on my SD If I dispute the demand in whole or part I should contact the individual named in part B. That is the now infamous Stephen Hunter who is Head of Compliance at Hamptons Legal. Should I think about also writing to him telling him I have no record of these accounts. I have CCA'd SAR'd Lowells and I intend to defend this all the way? Or should I stay quiet? Cheers

Sorry Ford I am confusing myself now! I am trying to get all information from both parties so that I can study it all for any discrepancies. Is there any harm in sending SAR and CCA to Lowells? Another question!! (sorry!) The CCA....do I have to send a separate letter and fee for each account number? Thankyou

Hi Folks I am just trying to get my ducks in a row and paperwork done! Can I first ask is there a difference between a DSAR and SAR? I can only find the SAR template? If I CCA Lowells they have to supply agreements within 14 days nut if I SAR them they 40 days. Is this not too long? Can I CCA & SAR them? AT least then I should have something to report when I try to get it set aside if it happens within the next few weeks. Am I on the right track? Thanks for everyone's time again. DM Can I also just ask.....Do I send the SAR or CCA request to Lowells Data Controller or Hamptons? I'm assuming it's Lowells. It says on my SD If I dispute the demand in whole or part I should contact the individual named in part B. That is the now infamous Stephen Hunter who is Head of Compliance at Hamptons Legal. Should I think about also writing to him telling him I have no record of these accounts. I have CCA'd SAR'd Lowells and I intend to defend this all the way? Or should I stay quiet?

Thanks K I have read your thread and def learnt from it so thank you so much! We must all fight these people to the end! DM

So I don't have to quote any account numbers at all? Sorry I didn't realise that! That will solve my dilemma then! Definitely the way to go then. Thanks Ford DM

Thanks Ford I have never had PPI because I was always self employed and new they would never pay out! The account numbers they have wrong are what they call the original account numbers so I am pretty sure they are the numbers that should coincide with my old accounts. I was thinking of sending one SAR asking for all the accounts named in Lowells SD and then another asking for all the actual account numbers. They surely couldn't send the same info one both requests!!! Or maybe they could but that would give me some ammunition and comeback on Barclays mis selling accounts? Thanks again for your time DM

Thanks guys for the support and advice. The link 42man gave is a great one and not one I have already found! Already saved the suggested defence to amend later - Thank you So should I send SAR to Barclaycard and ask them for all 6 account numbers? Or should I just ask for the 3 mentioned on the SD? And do I have to pay £10 for each account? Will - Yours is one of the first threads I found and I am so sorry to see your current outcome but don't give up!! Thanks so much for the advice and mention of links it saves so much time! Mike You are correct the country is falling apart because no one is able (or in many cases) allowed to use any kind of common sense or morality! But if I have learnt one thing from my many ups and downs in the last 4 years it's that whatever they throw at you isn't that bad! I still have my family and hopefully my health so that makes me pretty lucky (oh yes and what I haven't got they can't have!!!) DM

Thanks 42man They aren't Statute barred but the account numbers do not coincide with any Barclaycard paperwork they have ever sent me (except the NOA which was sent from Lowells!) Is this enough for the Judge to decide in my favour though? I am thinking I need to SAR Barclaycard on all 3 accounts but should I just ask for my original account numbers or should I and/or ask for the new account numbers too? I don't want to highlight anything I am best keeping up my sleeve but also need to get all information possible! Can I request all 3 numbers from Barclaycard on one SAR (with one fee?) Or maybe I should ask for all 6 account numbers? Also I don't think CPR applies on SD so what do I request the information from Lowells under? Thanks so much for your time DM

TY

Can I def defend if I haven't tried to set aside and they apply for BR? DM

Hi Ford Thanks for your speedy reply. So I would need to challenge the petition if I apply for set aside and lose or if I don't and they apply for Bankruptcy? I have read two very long threads about this today and neither of them won the set aside so it appeared to me they actually forced the bankruptcy decision whereas if they hadn't tried to set aside the DCA may not have risked £700 in costs? I will have a look at the links and thanks again DM