12 days up for lowell

[Dorabell]

hi all just a update lowells 12 days was up today have not heard a thing whats the next step :o thanks marjie06

[zazen.warrior]

I feel you should do nothing; wait for whatever they do next and then post it on here.

[Dorabell]

thanks for that:)

[saintly_1]

hi all just a update lowells 12 days was up today have not heard a thing whats the next step :o thanks marjie06

Just an update to what ?

 

Have you an existing thread dealing with lowells ? If so you should use that to update on That way people trying to help you can see exactly where you are upto and what steps you have taken. It also makes it easier for yourself

 

 

saint

[Dorabell]

hi all reqested a cca from lowell on the 7th february there 12days was up on the 25th still no cca just received a text message from BT to ring them asp any body received one of these texts before:mad:

[Dorabell]

hi all can some one please point me in the right direction for the letter to send to lowell to stop them arrassing me by telephone i have had about 3 in the last hour still no cca:mad: thanks

[Dorabell]

Hi all i wrote to capital one requested a cca on the 6th february this is what they have sent me advice would most appriciated thankyou:) i will post the documents up

[biglad1975]

Here you go Marjie:

 

Your Street

Town

City

Postcode

DATE HERE

Company Name

Road

Town

City / County

Postcode

 

 

Dear Sirs

Harassment by telephone

 

Account Number: XXXXXXX

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

 

Yours faithfully,

 

 

[NAME HERE]

 

If you've send the CCA request and they've sent nothing then sit tight. The ball's in their court, not yours. Send the harrassment letter and forget about it until they come up with something actionable. They won't.

[Goldlady]

If that's all you got it's a 'no' from me:D

[Boro]

No it is not, it is an application form without the prescribed terms such as credit limit, interest rate etc

[loyalbrummie]

got something very similar today for mrs brummie , ive been told no its not enforceable so id say that yours is the same also its dated */*/2000 isnt this statute barred ?

[Dorabell]

they have sent me the terms and conditions seperate i post them up if its any good i have been on a payment plan until i disscoverd this forum:)

[cashins]

I notice on the CAP 1 letter they refer to 'the document' that they didn't need to send, (Oh really).

 

Are they going out of their way not to call it 'the agreement', or am I just being suspicious of their motives?

 

David

[Dorabell]

thats what i thout, what would be the next letter to send thanks

[Dorabell]

thanks for that

[ncf355]

This is wholly unenforceable

 

They do not even make an attempt to refer to the T and C's in the signature document (for example: "for interest rate see scetion 186.1(a)")

 

Though even if it did it would still be unenforceable, the case of Wilson v Hurstanger at Civil Court of Appeal held that the prescribed terms must be found in the signature document and cannot be found in a seperate document/leaflet

 

They are up the creek without the wooden movement type thingy

 

Good case here for all interest back

[Dorabell]

thanks for that:smile: any advice what to do next please

[The GodMother]

The non complicace letter i posted on your droyds thread would be fine.

[excel1]

As you may have learned from this forum they are quite easily dispatched, even if my third one did need TS:p

[adamski]

You can stop those texts by ringing this number 0800 587 5252.

[Dorabell]

Thanks For That

[Dorabell]

HI ALL A UPDATE WITH CAPITAL ONE I HAVE RECEIVED A PHONE CALL OF A VERY URBRUT WORMEN SAYING I NEED TO PHONE CAPITAL ONE URGENTLEY 9 TILL 7 MONDAY TO FRIDAY I PERSUME THEY HAVE RECIEVED MY SECOND REQUEST LETTER ANY ADVICE PLEASE:mad:

[ananya]

Yes, DON'T PHONE THEM!!!!!

 

You've written to them and they have to respond in writing.

[Dorabell]

hi all a update on our freinds in leeds:lol: received this letter today, still no reply to my request for a copy of a cca i will post it up, any advice on a letter to send next please your advice would be much appriciated thanks

[Dorabell]