im not a member of fotl.i have used this approach on 5 alledged debts and all were closed even when they provided a sighned ca.5 out of 5 is a 100% success rate.so yes it does work.obviously you have to be prepared to go to court but once you know how these dca operate you will loose your fear.they cannot provide a deed of assighment or deed of novation which is needed for any claim to be legal and lawfull.so when your requesting a ca also request those deeds and dont be fobbed of with any crap your not allowed to see them.wake up sheeples and stop paying these ****.i would appreciate if the 2posters who mention fotl could enlighten me why all 5 of my alledged debts were closed using this approach.considering sighned ca were supplied by the dca and they wernt sb

dont bother trying to reclaim catalouge fees it doesnt work unless its over the 12 pounds threshold as they and the oft deem that to be fair and just.any of your debts that have been sold to a dca first thing to do is ask them for documentation of proof ie:deeds of assighnment,deeds of novation.if they have bought the debt they will have to provide you with copys of these documents which they wont have as they buy portfolios of debt with no paperwork for pennys.

thanks for ur reply foxy.can you point me to a template and a adrress to try and get the admin charges knocked of.

"The reason I was so brusque with you, your first post looked like you were trying to avoid paying. My apologies" so are you ok with some dca paying peanuts for a debt then harrasing single mothers people on benefits etc for the full amount.ofc she is going to avoid paying it in those circumstances. im starting to think some posters on here are double agents for dca with comments like that.and national debtline are a joke they dont even give you any options to question the debt ie: correct procedures followed by the dca proof of debt, first thing they say is lets make a budget and see what you can pay these DCA's.

just been going through this account details from the recieved sar i sent to shopdirect.and there are 10 174g 12 pound administration fees.even though shopdirect have sold this account to lowells can i write to shopdirect to have the admin charges taken of the account balance which would take me below the bankrupt threshold.also the account details say shopdirect sent me a section 87 default notice on the 19/07/2010 does the statue barred time start from that date.i dont recall getting a default notice from shopdirect.

hi recieved a letter some months ago from lowell about an old catalouge account i had from 2010 looking at my credit score lowells have defaulted me on this catalouge.so i sent them a cca request with the applicable 1 pounds admin fee.recieved a a office copy of the cca from lowells on saturday and a letter saying they look forward to proposals of repayment of £857 i have uploaded the cca they sent me.any advice on my next move would be greatly appreciated.thanks

sorry for the misunderstanding there.the the amount is o£857 is on lowells letter not the credit aggreement.il try and upload it.althout the credit aggreement has a catergory called key financial information 1.amount of credit 618.28 2.duration of payment 52 weeks 3. total amount payable 737.35 etc.

recieved an office copy of a credit agreement between me and shop direct from lowells this morning for £857 pounds.saying they look forward to my proposals for repayment withing the next 14 days.it was sighned by me on the 9/04/2010.can someone advise on the best way to deal with this.thankyou

so the 2 lowells accounts mentioned above had replys from lowells after sending them the cca requests. couple of letters stating they have asked shop direct for the cca then usually the letter after those its usually a closing of the accounts .but the next letters state there still trying to retrieve the cca from there archives and when the recieve it they will be intouch straightaway and state we wont write to you again until we have the aggreement. new tactic rather than a closing of the account. today i recieved a letter about the fredrickson account from bryan carter solicitors llp saying i have 14 days to pay it in full or they wil recomend that court proceedings be issued without further notice .its kinda funny because the letter from bryan carter solicitors has lowell as there client then says we have been instructed by fredrickson international .is bryan carter just another cog in lowells threat machine that has no weight. any advice on how to deal with this bryan carter letter,ie: send them a cca request to shut them up.

update: sent pastdue a cca request sent lowells a cca request from the fredrickson account recieved 2 letters of lowells today for 2 of the cat accounts stating you have not paid your account as you have failed to repay your account it will be sent todebt managers who are one of our approved dca they will be instructed to pursue you for this debtall contact and coorespondence should be referred to this company from 1/08/2013 .prior to this date you can still contact us and make arrangements to repay your account by offering payment in full or setting up a monthly repayment plan.if you do thios your account will not be transferred to the debt collection agency named in this letter. so iv sent 2 cca requests for the above accounts to lowell hoping they get them by the 1st or am i right in saying they will have to produce one anyways even if they transfer the accounts? any advicew would be appreciated.thanks

thanks for your advice bazooka but this isnt about the same account. i have 7 defaulted catalouge accounts lowell has defaulted me on all 7 but im only now dealing with them thanks to this website and its informatve users giving great advice lowells has closed 2 of the accounts due to no cca but capquest has probably bought an account off lowell and instructing pastdue to collect it im guessing i will send a cca request to pastdue and inform them they are legally bound to seek one form there client. is this correct.

wow these are coming thick and fast now .got a letter from past due credit solutions today about the catalouge account capquest have on me. says formal demand then th eusual jargon must be paid by 3rd of august if you cant pay it contact us blah blah. do i just send the cca request to pastdue solutions or capquest? any help would be appreciated .thanks

been getting phonecalls to call fredrickson international ltd about a lowell account. didnt contact them but sent a cca request off with the pound postal order. got a letter back from fredrickson today returning my postal order and telling me i must request the cca from their client"lowell" direct. and stated that they have placed this account on hold for fourteen days to make the request to lowells and after this time debty collection activity on this account may resume. i made the postal order payable to fredrisckson, can i get this changed or do i have to buy another postal order to send to lowells. also should i include a copy of this letter from fredrickson with my cca request. any help would be appreciated.thanks

thanks for the speedy replys and to answer your questions.she pays through a direct debit and she isnt receiving any corrospondence from moorcroft ie balance,statements.

my partner had an argos store card a couple of years back and fell behind with her payments then a company called moorcroft took the account. she is paying 18 pounds a month to moorcroft she cant remember if she sighned a cca should i send moorcroft a cca request and if they fail to send one back within the 12+2 days stop any payments. also if it is an enforcable debt is she within her rights to pay them a pound a month as its a non profitable debt. even though she works. any help would be appreciated thanks.

got another letter of lowells today saying they have closed the second account aswel.so i havent been contacted about the other 5 accounts they defaulted me on so guess i just sit and wait for them to contact me about the other 5 then send cca reqs for each account.or would it be advisable to send them a sar.or just let sleeping dogs lie.

got a letter from lowells today saying they have closed one of the accounts because they cannot get a cca.can i get the default on my credit score taken of for that account and if so hows it done.thanks

not sure what account the capquest letter is for as there is only a reference number and no total amount owing.it says its for a shop direct account but thats all.thanks for the advice on the frederick situation.is there an account in dispute template letter.

got a letter from capquest today saying despite several attempts to contact you you have not made us aware of any circumstances why your account has not been resolved. as a result your account will be transferred to past due credit. never had any corrospondence from capquest ever. also got a letter from lowell on friday about an account i asked for a cca and they havent produced one. saying they have transferred it to fredrickson. so when frdricksons and past due credit send me a letter do i have to send them a cca request aswell even though i sent the cca requests to lowell.# confused.com. any advice would be appreciated

still no cca from lowells havent sent a account in dispute. got all the data shopdirect hold on me and theres 1 cca signed by me for one of the accounts in 2010. couple of hundred sheets of account papers whats my next step to reclaiming the late fees and charges. and im thinking lowell will end up with the 1 cca i got. is there a template to send shop direct for the late fees and charges. any advise will be appreciated

not sure if this is thee correct place to post so please move if not.my friend just got a bill from edf stating she owes them 1400 pounds.the thing is she has pre pay meters in so she cant understand how she could owe so much money.any advice would be appreciated.thankyou

this was the letter they sent .they only sighned for the cca requests on the 16th so i cant send account in dispute till the 6th.right? also i received the same letter again from them today. [ATTACH=CONFIG]44200[/ATTACH]

so your advice is to send off 2 letters of accounts in dispute for the 2 accounts? can you point me in the direction of the accounts in dispute template thanks. are weekends counted in the 12+2 days to reply? thanks for your speedy reply

basicly this is the jist of the letter im having problems uploading it. We have requested a copy of your credit agreement Tharikyou lorcontacting usaboutyourcledtt agreemerit.We have asked your original lender for a copy. We will reply as soon as we can We will do our very best to send you the information you asked for within 12 working days, but this does depend on when your original lender can send it. We will let you know if we do not hear from them in time. We’re here to help In the meantime if you have any more questions we’ll be pleased to help you.

[ATTACH=CONFIG]44159[/ATTACH]sent 2 cca requests regarding 2 of the accounts lowell emailed me about.they were sighned for on the 15/5/2013.got this reply about 1 of the accounts today.just wondering whats my next step.they also took a snoop at my credit report on the 19th.