Lowell - No Cca But Offering F&f creation finance debt

[fiftypence]

Yes - ignore it. They obviously haven't got their paperwork in order to make this debt stick using the proper channels, if they had they would take you to court, instead they are offering discounts, you have to ask yourself why? I have given you the answer, no proper documentation. Lowell are known for this tactic, they did it with me. Two letters offering a discount then a letter saying we are closing the file. Sit tight, do nowt.

[upto the eyeballs]

Thanks 4 your support my only question is what happens if they do find the cca and it's enforceable?

 

Maybe a very low full & final would make certain they go away for ever?

 

What's the lowest full & final that's been accepted?

 

If they purchased the debt for lets say 10-15pence inthe pound would they themselves accept a loss or prefer to write it off?

 

Sorry that was actually 4 questions

[ODC]

Thanks 4 your support my only question is what happens if they do find the cca and it's enforceable?

 

Maybe a very low full & final would make certain they go away for ever?

 

What's the lowest full & final that's been accepted?

 

If they purchased the debt for lets say 10-15pence inthe pound would they themselves accept a loss or prefer to write it off?

 

Sorry that was actually 4 questions

 

This letter is a feeble attempt to obtain your signature. DO NOT RESPOND. If and when they produce something which they claim to be a properly executed CCA with ALL the prescribed terms on then is the time to think about offering them something. As it stands now they have no legal proof that you owe them anything.

[fiftypence]

NEVER respond to a DCA in any form unless there are legal implications, do not give them any ammunition to fire back at you. DO NOT make their job easier, if you are under no legal obligation to reply then DON'T.

[ODC]

The best way to correspond with a DCA is through a medium

[mysticpols06]

What like septic peg (mystic meg) & the like? lol! Am feeling a tad empowered thanks to u all & only a lickle bit wary as have not paid today. Nothing else received so far though since f&f offer so am sitting tight & waiting to see what comes next from them! If any of you have time & fancy gander at my debtmanagers ltd (next) thread, would appreciate it - Hubby is gonna pay them this arvo i think (the normal reduced monthly that we have been sticking to) as they have at least sent something thru, but we're pretty sure it's not what it should be & Rory has been helping advise on that so far! So any other opinion would be great as to whether to pay em the norm or Just a squid or not at all!

Hope u all enjoy this bloomin cold but nice sun shiny day!

Thanks as always,

Mpols x

[silverfox1961]

Afternoon mpols,

I'm not stalking you, honest:D

 

Your threads are very interesting to me so I'll sub to your other thread when I see it.

Mutual support et al.

 

fox

[mysticpols06]

Stalk all u want fox, is nice to have the company (& the support)

Mpols x

[upto the eyeballs]

Hi I know this is in the wrong section but pease advise how I start a new thread

[silverfox1961]

Go to the forum of your choice and at the top of each forum should be a tab called new thread.

 

fox

[mysticpols06]

:)Hi peeps - Quick update re situ, Received another letter yest - reads as follows (apologies if any typo's, is late & scanner poorly so am inputting doh!):

 

"Following your recent request to be provided with a copy of the original credit agreement in respect of the cca i can confirm our client has yet to furnish us with your agreement.

 

I can confirm however that creation consumer finance are still in the process of retrieving the required paperwork and once this has been forwarded onto us a copy will be posted to you.

 

There will be no further correspondence from us until the agreement has been received at which point we will require payment in full.

 

You currently still have the option to pay £xxx.xx as a full and final settlement in order to bring this matter to a close, after which we reserve the right to proceed to collect the full balance.

 

If you want to take the offer and bring the matter to a close then please call the number below.

Yours sincerely, Andrew Bartle."

 

This is the second offer of f&f from them & it has been 20 days (working) since we originally cca'd them, but we have cancelled standing order last week & witheld payment this month as they haven't produced anything yet! Dunno whether to send acc in dis or just ignore them i think beings as they reckon won't be contacting us again until (unless?) they can provide agreement. General consensus please if poss? :-|

Hope everyone staying warm & keeping smiley!

Thanks as always,

Mpolsx

[hillards]

All going to the usual format - you normally get 2 F&F's then you'll get one saying they have closed the case. You should have that this side of ChrIstmas!

[mysticpols06]

Thanks H, Fingers xed eh! Nite, Mpols x

[ScabHunter]

Clownell are one of the most predictable of the DCAs. They are following their usual pattern here. As sports commentators are rather fond of saying, losing can become a habit. It is certainly one the Leeds Losers are becoming rather adept at.

 

I would just let them get on with it, and self destruct in their own good time.

 

On the other hand, if you are feeling in a very generous mood and want to contribute towards the Clownell Christmas Party, you can always accept their extremely kind offer of a full and final settlement. To do that, use a letter such as this one -

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/104668-cabot-windywoo-4.html#post1813490

 

SH

[mysticpols06]

Lmao SH (Am huge fan of your prose already! lol)

My baby bro is currently representing queen & country & Helmand (2nd tour) & needs every bit of support he can get so if there is any charitable contribution to be made this year it will be in the sending of tinsel & santa hats to help decorate the tents & cheer my wonderfully brave (& just a little daft) brother & the rest of his company during their not very festive tour! (2 yrs ago Gordan Ramsey flew out off his own back & cooked em all turkey bless him! Made em all smile i can tell u!) Anyways, This F&F amount offered doesn't even represent the ppi from what we have worked out which we were missold so i think i shall follow the advice given here & wait to see what else they send us - until there is something more solid i will not be contacting them. Happy weekend guys & gals! Thanks as always,

Mpols x

[mysticpols06]

Happy ney Year peeps!!!

Update: Yest received letter true to what you had all predicted for me telling us that they had been advised by O/C that there was no longer an original agreement to be located due to the length of time that the acc had been open apparently and that they were closing their file against us unless the said agreement is miraculously discovered at some point in the future!!! Woohoo!!!

Was so chuffed to get this & more so beings as was the last day of the year!

Thanks everyone for your help so far with this company in particular!

Hugs & best wishes Mpols x

[ODC]

Lowell are nothing if not predictable. Hence their apt nickname of the Leeds Losers.

[hillards]

Happy ney Year peeps!!!

Update:

And a happy new year to you too. Please to hear the Leeds Losers have followed the usual format and failed for you.

 

IdaInFife has a good follow-up letter, just to stop them passing it to their pals at Muck Hall to try and hassle you again - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/172071-letter-co-solicitors.html#post1856406

 

Icing on the cake?

[silverfox1961]

WHOO_bloody_HOO

 

One apiece now. I'm so pleased for you.

A brilliant new years present

Mystipols06 1-Lowlifes 0

 

Now all you need is for the others to be the same.

Are you going to try and get the negative information taken off your CRA file?

 

Good luck and happy new year to you

 

fox

[noomill060]

Excellent nooz!! (but did one ever doubt us...?)

 

Happy Noo Year!

 

[Jaws75]

Well done!!! A++

[angel_1]

what a fab bit of news for the start of 2009

 

well done and lets hope all of ours go to these clowns and we get the same responce that would be so cool

 

have a drink tonight you deserve it and all the guys who encouraged you a pat on your backs from me too

 

keep happy

 

laters angel x

[Talbot]

I have been following this thread with great interest, absolutley fantastic news well done hope it brought a great close to 2008 for you!!

[upto the eyeballs]

Good News! I have just had the same letter from Lowells "No CCA, We will not contact you again" See my Thread below!

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/175572-upto-eyeballs-lowell-financial.html

 

However what do we do now, I want all credit reporting to stop & be removed, No CCA No enforceable debt and no right to process our data past, present & future.

 

Any Ideas???

[silverfox1961]

Hi,

I sent lowlifes a s10 letter to stop processing my data but because they say there is a link (i had been paying for a while) they won't stop doing so even though they have admitted they don't have a valid agreement, I sent them a strongly worded letter but no reply as yet.

I'vew also written to experian asking them to do something but I don't expect them to do anything.

My next step is a complaint to the information commissioner (as much use they are), the FOS and trading standards.

after that if I get no luck I may just take them to court.

 

fox