Littlewoods cca/Lowells ***WON***

[skegleg]

Just keeping you updated as yet still not heard from lowells/red

4 weeks now and not a dickie bird from them, makes a change from threats every other day

[sam614]

Just keeping you updated as yet still not heard from lowells/red

4 weeks now and not a dickie bird from them, makes a change from threats every other day

 

hope it stays that way

SAM

[skegleg]

hope it stays that way

SAM

 

that letter must have really got them confused sam

or perhaps they are cutting down on postage costs seeing i was flavour of the month with them 4 weeks ago :grin:

still the week isnt over yet so see we will if i get anything tomorrow:roll:

[sam614]

me thinks its the last you here from them.

or they will be getting another surprise:D

 

getting excited at the thought

almost as excited as being one post away from 1000.

SAM

[skegleg]

me thinks its the last you here from them.

or they will be getting another surprise:D

 

getting excited at the thought

almost as excited as being one post away from 1000.

SAM

 

when can we expect to see your 1000th post then

[sam614]

here it is:p:D

congrats to me on my 1000th post:cool:

shall be gratefull for all presents prizes and tickling of scales

 

 

SAM:pLOWELL DETESTER

[skegleg]

here it is:p:D

congrats to me on my 1000th post:cool:

shall be gratefull for all presents prizes and tickling of scales

 

 

SAM:pLOWELL DETESTER

 

well done sam and i feel honoured that it happened here

congratulations !!!!!!!!!!:)

[skegleg]

well another update !!

Still havent heard from Lowell/red BUT got another letter from the OFT today, this is in response to me sending back the permission to disclose forms, and i also included the letter from RED i had received and stated that RED is a trading arm of Lowells and would they consider including this also, anyway here is letter i received today

 

Dear ****

 

Consumer Credit Act 1974 (the Act)

Complaint against Lowell Financial Ltd t/as Red debt collection Services

Licence number

 

I acknowledge receipt of your permission to disclose slip received on the 8th July 2009, and i apologise for the delay in responding.

 

I will also take into account the further information you have helpfully given us as we continue to monitor this traders fitness to hold a credit licence.

Thank you once again for taking the time to write to us about this matter.

your sincerely

[sam614]

well another update !!

Still havent heard from Lowell/red BUT got another letter from the OFT today, this is in response to me sending back the permission to disclose forms, and i also included the letter from RED i had received and stated that RED is a trading arm of Lowells and would they consider including this also, anyway here is letter i received today

 

Dear ****

 

Consumer Credit Act 1974 (the Act)

Complaint against Lowell Financial Ltd t/as Red debt collection Services

Licence number :D:D:D

 

I acknowledge receipt of your permission to disclose slip received on the 8th July 2009, and i apologise for the delay in responding.

 

I will also take into account the further information you have helpfully given us as we continue to monitor this traders fitness to hold a credit licence.

how much monitoring are they going to do before they revoke:evil:

Thank you once again for taking the time to write to us about this matter.

your sincerely

 

SAM

[skegleg]

yes i know what you mean sam,

hopefully something will be done one day about these cretins

[skegleg]

well about 7 weeks have gone by and not heard a peep from lowells/red since sending the last letter (thanks to sam)

(not that i am complaining)

is it normal for them to go so quiet for this long

[sam614]

well about 7 weeks have gone by and not heard a peep from lowells/red since sending the last letter (thanks to sam)

(not that i am complaining)

is it normal for them to go so quiet for this long

 

:lol:lowell are not normal though are they.

 

kev must want his body parts leaving where they are,so he is keeping quite.

 

plus the fact that he could not answer any of the questions put to him

 

or justify their crap they tried to pull.

 

SAM

[skegleg]

:lol:lowell are not normal though are they.

 

kev must want his body parts leaving where they are,so he is keeping quite.

 

plus the fact that he could not answer any of the questions put to him

 

or justify their crap they tried to pull.

 

SAM

 

 

:lol::lol: yes bless him,

perhaps trying to work out yet another name for himself, looks like he has been well and truely stumped by that letter sam

[sam614]

and to be fair

 

he has had 3 similar letters to deal with since yours.

 

SAM

[skegleg]

and to be fair

 

he has had 3 similar letters to deal with since yours.

 

SAM

 

 

:lol: no wonder he has gone quiet then

[skegleg]

just to update

 

still not heard a peep from them up to now, it is 3 months since their last threatogram

[sam614]

so glad it worked out for you:)

 

SAM

[skegleg]

Hi everyone

 

well after nearly 7 months of not hearing anything from Lowells they have now sent me a humongus letter.

 

Bacically they are saying they nor littlewoods consider this is in dispute, they have sent lots of pages of items they say have been ordered ,

 

In the letter it states

" Under section 77/78 of CCA act 1974 the creditor is not obliged to send a exact copy , but a true copy of the version i would have signed together with up to date terms and conditions"

they are now going to re-start collections activity and they have sent an income and expenditure form

 

Any ideas what to do now ?

As always many thanks for any advice

 

edited just to add they also sent me a prepaid envelope for my reply

[skegleg]

Bump anyone?

 

do i have to fill in the income and expenditure form ?

i am on benefits, so have very little being serevely disabled, i find it awful that i have to tell these people what benefits i get and how much.

any ideas and help much appreciated

thanks

[The GodMother]

No they are not entitled to know what money you get. Only a court can be entitled to that.

 

Also l would right back to them adviseingthat your position has not changed and there foryou consider the account in dispute.

[skegleg]

No they are not entitled to know what money you get. Only a court can be entitled to that.

 

Also l would right back to them adviseingthat your position has not changed and there foryou consider the account in dispute.

 

thanks so much for the reply,

i didnt think that they were entitled, but you know what its like when doubt sets in, i didnt know if things had changed.

once again thanks very much appreciated.

[The GodMother]

YW.

 

If they get funny just ask them if they will pay your bankruptcy fees.

[skegleg]

YW.

 

If they get funny just ask them if they will pay your bankruptcy fees.

 

funnily enough, my other half and i was discussing this last night, and decided that if they carry on will just write to them and say

£1 is being put in a tin each month for my bancruptcy.

But if they wanted to do it for us feel free

[wincote]

funnily enough, my other half and i was discussing this last night, and decided that if they carry on will just write to them and say

£1 is being put in a tin each month for my bancruptcy.

But if they wanted to do it for us feel free

 

 

Hi,

I have been reading through your thread and feel so sorry for you. Can a company start asking for payments after 7 months have passed by since their last corresondance to you.

I am about to go into dispute with Litttlewoods now Shop Direct. I didn't have a clue where to start until I found this forum, so I am learning slowly, but I do know Littlewoods will be very hard work. I have recieved 2 letters from them unsigned and one letter where I was refered to as Mrs Burnett. I am not Mrs Burnett, would anyone know if these small irregularties could stop Littlewoods from defending in court.

 

Kind Regards

Elaine

[citizenB]

Bump anyone?

 

do i have to fill in the income and expenditure form ?

i am on benefits, so have very little being serevely disabled, i find it awful that i have to tell these people what benefits i get and how much.

any ideas and help much appreciated

thanks

 

 

I would think that quite a chunk of your income is protected and that it shouldnt be included in any repayment plan.

 

As GM has said, just write back and say that you DO consider it to be in dispute.. and no, you do not have to complete the I&E form.