lowell group contact by email

[benlawyers]

Hi

 

using the templates on the site, i made a request for originals regarding an egg account from Lowell. they have responded saying that they need to apply to egg for them and would endevour to get them to me within i think thirty days. what letter do i need to respond with now as they have confirmed receipt of my request but have at time of writing this which is 16 days down the line, not provided originals?

[42man]

This one ?

 

Send by recorded....and edit as required

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as 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.

 

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 not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

[benlawyers]

Thank you 42 man. pretty sure they might be looking at something from over 6 years ago but need to see what info they've got.

[benlawyers]

Hi

 

In a blind panic now (see previous posts) brief history. had phone calls and contact at work from lowells regarding an old supposed debt of over 12k on an Egg card. sent first letter re phone contact and it stopped. then sent CCA letter and received notification that they would have to pull details from Clients archives. went past the 12+2 days mark so sent the breach letter and had a letter response from them saying that they actually 30 days to provide. they have since supplied statements and the original signed agreement from 5 years + ago and i have now received a letter from Red Group acting on behalf of Lowell Portfolio demanding payment in 7 days. Do I have any course of action left to me? don't want to set anything up with Lowell. i'd rather deal direct with Egg and also any repayments would have to be absolutely minimal

[42man]

Ben I have merged 4 threads into this one, stick to one and others can see what has gone on before....

[42man]

Are you able to scan / photo what they have sent you and post it up here ? (minus the personal details) use www.photobucket.com (free) if necessary.....also you might be interested in this too -

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/171037-multiple-agreements-falling-within.html#post1845581

[42man]

What is the date on the agreement ? is it your signature ? your handwriting ?

[benlawyers]

yes, my signature on agreement. I will have to have a look when i get home for the date. came with a whole collection of Egg transaction statements. I will photo the the documents and get them on the site but thanks for your initial response.