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- Consumer Action Group

This topic was closed on 03/05/19.

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- Consumer Action Group

This topic was closed on 03/05/19.

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- Consumer Action Group

This topic was closed on 03/05/19.

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This topic was closed on 03/05/19.

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These idiots spoke to you about a debt that wasn`t even yours? Tell your brother to get a copy of their complaints procedure and start the ball in motion. So much for theis `security checks`.

Watching with interest. Equidebt have sent me exactly the same single page, with no interest rates etc. Please keep us informed.

Ooh - Lowells throw a hissy fit.

"As a company we are well aware of our obligations in respect of the CCA. However, your guidance is certainly not required and neither do we require certain sections or sub-sections documenting or quoting. Furthermore, blah blah blah".

And they have no intention of explaining why they say that they don`t need to supply a signed agreement.

They enclose a leaflet for the OFT saying I have six months to complain. No explanation at all for the `phone calls made after my written and verbal instructions not to do so. Just a paragraph to say that 2 weeks after signing for my letter, they removed my number from their records. Lightening quick aren`t they.

I asked them to explain in writing why they thought a CCA was not required. Not a peep from them. Going through their complaints procedures now. 12+2 long gone. Plus 30 very soon.

Brilliant. Those idiots at Lowells will be getting another copy of that from me if I get the court letter. So far, just a copy of their complaints procedure saying that they reply in 5 working days - sent nearly 2 weeks after they signed for the complaint.

No CCA, no explanation of why the `phone calls continue weeks after they signed for the letter saying I am not to be contacted by `phone.

Are they stupid, or do they hope that we are?.

That`s the letter. Thanks Rory. Just back from the postbox.

And today I get the next standard threat.`As you have failed to contact us (despite their signing for two recorded letters) we have now been instructed (who by?) to appoint an agent in your area to visit your home etc etc`. To prevent this unwanted intrusion I MUST contact them URGENTLY.

I think I`ll just send them a copy of the letter I`ve seen somewhere on the site re only the postman and emergency services (??) are allowed to call.

What should I expect next from these berks?.

Nothing from these idiots re the CCA, but another `phone call tonight. What part of "I am only to be contacted in writing " are they having trouble with?.

Thanks for that. I may have woken the neighbours with my laughing.

They say it`s from HSBC . I used to have a credit card with them and a bank account with a `rolling credit` account. Hmm - this goes back to my alcoholic days - and I`m 6 years sober next week. Must be getting close to statute barred. This could change things.

It would appear that they are that daft. I am not though. I will wait till I calm down before writing. My initial letter might be a tad OTT.

Got a letter from these people today re the CCA. They say that the agreement I entered into is not a regulated consumer credit agreement and is not governed by the terms of Section 78 of the Consumer Credit Act 1974. Whats the best way to proceed please. I have drafted a letter asking for their reasons for saying this, but haven`t posted it yet. At no point have they ever told me what the alleged debt is for ( so I can`t give you any info on that - sorry).

I suppose asking for a copy of whatever they say I did agree to would be a start. I`ll rewrite the letter later.

Thanks.

The government force me and millions of others to have a basic bank account to receive our benefits. Somehow I doubt that too many of us will be pleased if we have to pay for this priviledge.

Two calls today from Lowells. Both from a girl calling herself Hannah. She claims that these calls are not harassment despite having been informed in writing that they are not to do so. So I`ve sent a recorded letter pinched from Priorityone (ta) asking for their complaints procedure and an explanation of why Lowells feel that these calls are OK.

Clock ticking fast on their non production of a CCA as well.

My CCA and letter saying that I`m not to be contacted by`phone was delivered on Aug 3rd. They `phoned me today (I was out). If they do again my language will not be too polite. And I will be reporting them. Morons.

I just dialled the number from another `phone. It is Lowells. I must have misheard. So the game begins and the clock is ticking.

I wrote to Lowells asking for a CCA, enclosing a £1 P.O and asking not to be contacted by `phone,3 days ago. Today, I got a call asking for my security details. I refused. He then said "I`m from Global (Ithink?) about your account". I told him that I`d written insisting on everything in writing and suggested that he feck off.

The number he called from was 01133 086000. Is this Lowells? I never heard of Global. Googled the number, but got nothing except that 01133 is a code for Leeds.

Thanks for the replies. Wescot never actually said that they couldn`t find a CCA. They just wrote to say that `Instructions have been received from Metropolitan Collection Services to withdraw the account`. Which, of course, means they couldn`t find one. I will write to HSBC and Lowells tomorrow.

Sorry if this is a stupid post. Wescott were chasing me for an alleged HSBC debt. They couldn`t provide a CCA and said they were returning the account. Now Lowells are giving it a go. Is the procedure the same?. Request a CCA, don`t get one, Lowells give up and then someone else has a go. Ad Infinitum. Or is there a quicker way to deal with this, once and for all?

Thanks.

The very first thing to do is to refuse to talk on the `phone. Tell them to put everything in writing. Then have a good browse around this site. Plenty of standard letters for you to send to them. If they can`t prove an debt, then you pay them nothing. Don`t panic - just be firm with them if they `phone.