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Lowell/red fun'n'frolics


adamb76
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Hi all

for the last few months i've been toing and froing with these guys.

Basically they are chasing a debt fom the moneyshop,I set them a cca request a while back,they send me a copy of an application form i filled in early 2006,it has my details on it but doesnt have any info regarding amount borrowed,interest i'l be charged etc.Its my understanding that this doesnt constitute a valid CCA.Are there any letter templates about to get these guys to back off?(if i'm correct about the info they keep sending not being valid then I dont think they have a CCA for me)

Thanks

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You could send them this Adam by recorded delivery....was it an internet application ? no prescribed terms ?

 

Thank you for your response to my request under the Consumer Credit Act section 78.

 

I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX.

 

As you must realise this agreement does not conform to sections 60(1) and 61(1) of the Consumer credit Act and is therefore unenforceable under section 127(3) of the same act.

 

 

You had until (date here) to provide me with the true copy I requested. After that date you entered into default of my request and I am therefore advising that the matter is now in dispute . Whilst the matter is in dispute, you are not permitted to ask for any payment, nor am I obliged to offer any payment to you. Furthermore, whilst the dispute remains, you are not entitled to charge any interest on the account, make any further charges to the account or pass the account to anybody else.

Please note you may also consider this letter a statutory notice under Section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies including any defaults. Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’, you must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you fail to respond within 21 days, I will expect that this means you agree to remove all such data.

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They are a bunch of Muppets. They are very slow on the uptake about getting the message that they have diddly squat. They are the so called professionals and know what they have sent you is unenforceable. If they continue to send more begging letters then make a formal complaint to the ad well as reporting them to TS for being in breach of the Consumer Protection from Unfair Trading Regulations 2008

  • Haha 1

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thanks guys,no i applied in store,in the last few months after making a formal request for a CCa(sent rec del and including £1PO)they have sent me numerous copies of my application which seems to be about passing my details to a third party to verify stuff,a questionaiire asking how much i earn and how much i repay to debts,oh and someone elses CCA!I keep sending them emails which basically say'no,try again,and since ive already paid the correct amount for my CCA i'll not be paying agan because of your mistake!'

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hi guys,just a quick question , where it says "I am pleased to see that you confirm this as a true copy of the original agreement executed by yourselves on the XXXXX."do i put the date that i asked for my CCA or the date on the copy of the application form they sent me?sorry, having a bit of a stupid moment!

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seem to be having problems posting..just wanted to say thanks ODC,

I've put the date that was on the cover letter on my letter,29/09/2008 and will be emailing it to red/lowell this morning,they always send me an autoresponse message to confirm that they have received it

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I would send it recorded delivery also, as I am not sure of the status legally of emails with or without a received receipt :-)

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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yesterday I received a letter from Lowells saying "we've received your request for a CCA and we are requesting a copy frrom your original lender...etc" now ive received a letter from Red saying "you have failed to settle your debt or enter into a repayment plan ....blah blah....come round your house blah....start legal proceedings"unbeleivable!

since Ive already sent them the letter that that 42Man kindly put on my thread I wonder where they /I stand now?

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one of 2 things are likely to happen, either they won't have the CCA or they will send an unenforcable one, I have had dealingsa with Lowells 4 times this year 3 times no CCA and sent back to the OC, and 1 they sent me an application form with no prescribed terms on and totally illegible.

 

 

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Well Done!

 

Good to see Lowells get hit again... They really are LOSERS!!!

 

:D PV

LOWELLS-Stat Demand Set Aside-No CCA & Statute Barred-£1800-Gone Away-April 2008

 

Scotcall on behalf of Cabot-£2200-no CCA returned to Cabot-file closed-March 2009

 

Cabot-Court Claim issued despite no CCA and Stat Barred-Claim discontinued-March 2009

__________________________________________

 

IF I HAVE BEEN HELPFUL PLEASE CLICK MY SCALES. :)

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Recieved a letter from Lowell this morning saying"...we have decided to cvlose your account as a gesture of goodwill and you will receive no further correspondence from us regarding this matter"YESSSSSS!!! thanks guys for all your help!:D:D:D

 

Yet again the Leeds Losers admit defeat

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