posh64
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Everything posted by posh64
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As they didnt provide it shouldnt they return the fee?
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Well here we are all these months later and BOOM a reply - to inform me that the CCA request payment of £1 was an admin fee and is non refundable - even though they have no proof debt is mine!
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This was the paragraph in the CCA request letter that I sent to them....I enclose a £1 postal order in payment of the statutory fee payable under the Consumer Act 1974. Please note that under no circumstances should this payment be set aside any alleged debt. If you are unable to supply the documentation requested, this fee should be returned. Then I sent this letter requesting the return of the fee....dates blanked out.... Your reference: Ref........................ I DO NOT ACKNOWLEDGE ANY DEBT TO LOWELL OR ANY COMPANY YOU CLAIM TO REPRESENT. Thank you for your letter informing me that you have closed the above account. I have noted that you have not returned the Statutory Fee £1 postal order I sent you on ............................. This may be an oversight on your part. In my letter it clearly stated that if you were unable to supply the documents that this fee was to be returned and not be set against any alleged debt. You have failed to produce the required documents and subsequently closed the account, therefore I am requesting you to return the payment within 14 straight days of the date ofthis letter. You are also advised that if you do not comply with this request with in this set time I will have no hesitation in making a formal complaint to TheOffice of Fair Trading and will forward all future correspondence from you or your associates to them. After the return of the said fee I will not enter into any further discussions with yourselves for any reason but will forward to OFT for their perusal. Kiss kiss:|
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Update - well its 31 days now since my letter (signed for delivery) demanding my £1 CCA fee back ...I gave them 14 days to return it. And guess what I have received zilch!
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should I include will make complaint to OFT if they do not return £1.
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Ok thanks for that - the CCA request did state £1 was not to be used for anything other purpose other than the request to supply agreement etc....or to return it if they could not comply- - - - is there a template letter I could use anywhere...cheers
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Update - received a letter about a week ago saying the account is now closed as they cannot produce the documents for the CCA request. Great!... ....but what happened to my £1?......hmmmm....nice little earner for them isnt it? - for every 100,000 people who pay over this CCA fee I wonder how many of those £1s actually get processed to original creditors for the required agreements - or do lowlife just bank it and then spill out letters claiming they are chasing OC. ...hmmm...still not convinced this is over - but will sleep better tonight I am sure...... .................still want my £1 back but wont beg - they probably need it for envelopes to harrass other folk.
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Hi closetofreedom - loving the ID...you raised some interesting points
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Boo you do make me laugh! Thanks again.
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thanks Boo
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Hi - will ignore troll 2013 - sound as though they work for a DCA.... ..but for the record Tara I am not ignoring this and the account is in dispute and I do not recognise or acknowledge it and to set the record straight the account number they refer to is wrong. I am not a liar and when the time is right I will be requiring MBNA to produce the telephone recorded calls I made requesting statments (for 8 months) should this go further as they claim all their calls are recorded. I would also like to point out that the default is set at 8 - and I NEVER received anything. Perhaps Tara would like to look up what default 8 means! I came on here to get help and guidance and am very grateful for the support so far received. I will too be donating to the site once this is all over as I think that the team are fantastic - never judgmental but wise and are clearly passionate about this site - even if this does blow out of the window for me I know I have their support.
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Hi CitizenB...its weird you know just thinking about the lack of phonecalls today and yesterday - in fact I dont think I have had any since Thursday of last week.........
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Hi - so what now - its day 14 and havent received anything.
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Thanks again
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Its day 11 today......received letter today saying MBNA have informed Lowlife that they are trying to retrieve agreement from their archives. And when they Lowlife recieve it they will sent it to me. so I am guessing 12 +2 day will be Tuesday dead line to have it in my letterbox right? Could someone please confirm 12+2 day is right. They received my CCA on 24th December. Cheers
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Thanks dx - have been trying to figure out how to put pix on here for hours now - only just learning how to use this compi - getting better by the minute!.........with a bit of luck THEY will run out of time.
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well I have sent the photos of letters to photobucket - hope you can see http://s1343.photobucket.com/albums/o791/posh641/?action=view¤t=001_zpsfd73c99c.jpg http://s1343.photobucket.com/albums/o791/posh641/?action=view¤t=001_zpsfd73c99c.jpg#!oZZ1QQcurrentZZhttp%3A%2F%2Fs1343.photobucket.com%2Falbums%2Fo791%2Fposh641%2F%3Faction%3Dview%26current%3D002_zps8a0cd640.jpg
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CCA request letter signed on 24th and the same day they issued letter from Hamptons. Then on 27th sent 28th they sent reply to CCA request. How do I attach copies of letter here did try but came out too small for you to see.
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Ok - I sent on 17th they signed for 24th.
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Hi query - when does the 12 + 2 days start? Lowells signed for my CCA request 8 days after I sent it 1st class.
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Ok I wait in anticipation then as PO have still no signature reported.... To everyone trying to help me and keeping me sane on here - Have a Very Merry Christmas and Happy New Year.
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Hi Its was sent 1st class Recorded Monday.....its now Friday and PO still saying in progress...where do I stand if they produce a SD?
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Yes sorry - they still havntsigned for it according to PO.
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What happens if CCA letter is not signed for....?
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