Lowels CCA ... one letter to far !

[Curlyben]

Best to hold fire till they exceed the 12+month.

Looks better for us otherwise we could come over as debt avoiders.

The longer the DCA takes to respond and still demand payment the stronger the case against them grows.

[scorterooney]

12 + 2 days + one calendar month is now well and truly up for Lowels !!!!!

 

In that time the only correspondance I have had is the afforementioned letter offering a dicounted payment.

 

Now the month is up are there any steps i can take to either MAKE them supply the cca ( sum owed is afordable to pay off in one if it does turn up) or alternativly write off the remaining debt and mark as settled on my credit file ?

 

Should i be sending a letter to TS now or should i wait tll they hassle me next ?

[PossVox]

...subscribing...

 

I have CCA'd RED/Lowlife and had no acknowledgement of it whatsoever. Their 12 days expire tomorrow.

 

I'll be interested to watch how your situation concludes...

 

Good Luck

[ODC]

Well they are in breach of your CCA request so should not be demanding money from you therefore a complaint to TS should be considered. As Lowells have failed to supply you with proof of a debt and their right to be dealing with your data they are in breach of the DATA PROTECTION ACT and should be sent a S10 letter.

[excel1]

what is a S10 letter please?

[ODC]

This is what you want

 

STATUTORY NOTICE UNDER S10 DATA PROTECTION ACT 1998

At NO time have I given my written permission for you or your company to process my data

 

Therefore Take Notice that I require that you cease from processing within 7 days of the receipt by you of this notice or else that you do not begin to process any personal data of which I am the subject insofar as that processing involves the communication or passing of personal data of which I am the subject to any third party and insofar as the said data relates wholly or in part to the implementation by you of charges which have been applied to my account in respect of defaults or contractual breaches and where the said charges which have been levied at a rate which is in excess of the administrative costs incurred by you as a consequence of the said defaults or breaches contrary to The Common Law.

 

This Notice is given on the grounds that the processing or continued processing by you of the said data will be likely to affect my credit rating and my reputation and cause substantial damage and/or substantial distress to me and my family members in addition to that which may already have been caused and that as the processing of the said data in the way referred to in this notice would violate the fourth, first and sixth principles of The Data Protection Act 1998 to do so would be unwarranted.

Failure to remove ALL my data from your databases will result in a formal complaint to the Information Commissioners’ Office.

[scorterooney]

Months have passed and not hear a saudage from lowel.

 

Still, i do not like the idea of it being in limbo so to speak and whilst i understand that they cannot chase and i do not have to pay ( at this point in time) i would like to get closure on the matter.

 

Would it be foolish to send them a full and final offer in return for removing CRA details etc or is there a better way of going a bout getting what i want to achieve ?

[Goldlady]

I am in the same situation scorterooney with several card companies, however I am very much on the 'let sleeping dogs lie' side of the fence. I suspect if you made them an offer they would see that as a chink in your armour, they would try to get more out of you, and all the hassle would start again. I can live with another four years of waiting. If having no CCA suddenly entitled them to collect I would be facing bankruptcy, as I was before I discovered CAG.

 

Up to you, but that's what I think.

[scorterooney]

Just a quick update

 

Still not heard anything from lowels a year and a half on BUT Creation have just got in touch saying i havent paid anything on the accoount and i must pay in full now

 

They dont even OWN the account lol

 

Ah well the games continue - a nice prove it letter sent

 

Scort

[creditcardmug]

Lol, creation arnt aware they have sold it...lowell have obviously given it up as a bad job and forgotten about it...now this will prob open the can of worms again:(

[scorterooney]

Lol, creation arnt aware they have sold it...lowell have obviously given it up as a bad job and forgotten about it...now this will prob open the can of worms again:(

 

aye more than likely - but hey ho