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anna1980

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About anna1980

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  1. of course we won't pay. What will happen if they will send us exactly this same information what Oakam send us on CD? Loan was approved online. Just wondering if screenshoot will be counted as CCA?
  2. on statement shows that last payment of 5.00 was made on 31/05/2013. Why on credit report it shows end date 28/09/2013? but when we were running credit report it showed that : He has two loans under settled accounts: Lowell Portfolio (balance on 07/02/18) Start date: 27/12/2012 Default balance: £5311 Last delinquent date:Sept 2013 End date: 28/09/2013 Start balance: 0 If you go to account history: Date: January 2018 Status: default Balance: £10,785 Second loan - Oakam Ltd Balance on 15/09/2017 - £0 Start date: 27/12/2012 Default balance: £7474 Last delinquent date: September 2013 End date: 28/09/2013 Start balance - £0 Fixed payment- £333 Account history Date: August 2017 Status:settled Balance: £0 Date: July 2017 Status: default Balance: £6903
  3. original loan was taken earlier but on 27/12/2012 he took top up which total was 5,000. don't understand why Oakam added another contractual interest for 29/04/2015-11/03/2019 if they sold debt on 15/09/2017?? image5.pdf we have received letter from Lowell telling us that they requested information from Oakam and we might have to wait for 40 days for they reply.
  4. I am not sure if you can see picture so that is Oakam reply: Please find enclosed with this letter a CD with all the available information you have requested from Oakam. Call recording are normally held for duration of 2 years, so these are provided where possible. Please be aware that Oakam's customers do not fill out application forms directly. They undergo an interview process and the information they provide is filled in by the customer service representative that is conducting the application. In this instance the applications have been provided as screenshots. Regarding the statements provided, these show all the charges and interest due on the agreement as per contract. Please be aware that the outstanding balance owed on your most recent loan has been assigned to Lantern (formally Motormile Finance UK Limited) on 15/09/2017. Thus, any concerns regarding balances or payments need to be sent to them. We have been told that debt was sold to Lowell, now in letter that giving different company. Confusing
  5. we have another letter from Oakam with CD. image4.pdf
  6. SO what to do now? In regards of CCA, Lowell will ask request documents from Oakam. Thats mean they don't have it. When we called Oakam before they informed us that they don't have any papers which relates to my partner debt because they sent everything to Lowell. Confusing
  7. from debt collector advice website, not sure which one. Is that something wrong?
  8. My template had request for Deed of Assignment.
  9. Lowell replied: We have requested the required documentation from the original client Oakam ltd. with regards to your request for a copy of the deed of Assignment, please be aware that we are not obliged to provide this document to you. Due to the nature of our business, accounts are purchased in bulk and as such this document would contain sensitive information relating to other customers accounts.
  10. We have received reply from Lowell. it looks like they don't have papers, they requested documentation from Oakam. image2.pdf
  11. I have sent photo ID to Oakam and now waiting for reply. I wonder what will Lowell reply to us. Long waiting
  12. Just wondering why they asked for picture ID not for proof of address.
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