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Hi I CCA'd Lowell as they held a Default against me for Morses Club for £329 which I do not recall owing back in 2009, which was defaulted in 2015. Lowell have come back to me sending me a printed statement, which to be honest, I could just type up on a few sheets of paper! The letter states "we note that you state that we have failed to comply with your request for information under sections 77-79 of the Consumer Credit Act 1974 and as such you feel that this account is unenforceable. The duty to supply documentation under Section 77-79 of the Act does not apply to an account under which no sum is, or will, or may become payable by the debtor. Therefore it would not apply where the balance has been written off, as is the case with this account". "In accordance with Schedule 2, paragraph 2(a) of the Act that deals with the exceptions to any request under Section 10, Lowell is not prepared to cease processing your data in respect of the debt claimed from Morses on the basis this is required for the performance of the said contract to which you are a party. At the point of application of this account with Morses a Fair Processing Notice was agreed to by you to share/pass personal data. Consequently, when Lowell purchased the rights to and benefits of the account, this included the Fair Processing Notice and the requisite permission". Section 136 of the Law of Property Act 1925 requires Lowell to give you notice of the assignment of the debt to them from Morses. Our records show that our letter of assignment sent to you on the 23rd June 2015 following the purchase of the debt from Morses which satisfies the relevant provision of the Law of Property Act 1925". "We are not prepared to remove any default registered with the credit reference agencies in respect of this account as we consider the data remains correct and accurate". It goes on but it's the same standard blah blah blah. Any help would be really appreciated in response to their letter, thanks
hi all id be really greatfull if i could have some advice i used to take out loans with a firm called morses door step collection sort of loan i had a few of thease 1 after the other(very tempting when an agent says do i want 500 quid now your loan is paid up) i was told id paid up by the agent and not long after met a wonderfull woman and couple of months later i moved in with her 50 miles away from my home and lost contact with the agent... then about 18 mths ago i got a letter from a company called robinsonway ltd saying i owed £2711 i thought it was a joke an ignored it then got a letter saying if i paid 10% the debt would be cleared ignored also, then in jam 2012 i got a claim form from northamton county court stateing they (robinsons) want to take me to court, i went on the .gov website and gave a defence that i never had such a loan and maybe someone took it out on my behalf blah blah and asked them to prove with documents that i owed this money as of today i have not heard anything more on this matter rang the northamton court and they said my defence was sent to them and they have put my case on hold permatly.and they will have to pay to reopen the case, i know i never borrowed this amount but i am worried about all the intrst they are charging as follows amount claimed=£2711.91 court fee=£75.00 solicitors costs=£80 total amount=£2866.91 plus it says in the court papers they are charging me 8% per year and a daily rate of 0.48 and costs #] would it be wise for me to call robinsons to see if they are still persueing this or should i just wait for a bailiff to knock im just worried that they will do this and take my belongings car ect as i have read so many horrer storys thanks for looking jason ...