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thandiboss

Debt Collector and Tenancy Agreement...

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Hi all, I recently been looking around this forum and decided to become a member. Lately I've had a few problems myself from a debt collection agency called Lowell Group. I owed a residence building in Leciester the sum of £3100. Lowell Group decided to buy the Debt and have been contacting me since warning me that it is a final warning and I owe them £3100, I've paid £300 off so that leaves me with £2800.

 

After reading these forums, I seem to believe that if the buy the debt in the first place, gives me the opportunity to bring up CCA?

 

I don't have a clue about the CCA or anything else. I wanted to find out what is the best thing I can do now? Should I contact them asking for something. Or am I 100% Liable to pay the debt?

 

You may have had so many posts or threads about this sort of thing, if something relates to this could you just post the link so I can read about it. I admit im a total n00b when it comes to something like this lol.

 

Regards

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Dear Sir/Madam

 

Re:− Account/Reference Number xxxxxxxxxxxxxxxxxxxxxxxxx

 

Please provide me a true copy of the credit agreement

I am aware that under section 78(1) of the Consumer Credit Act 1974 sets out clearly what is required to comply with my request.

I am legally entitled to receive the information on request.

You have 12+2 days.

I enclose a payment of £1.00, which represents the fee payable under the Consumer Credit Act 1974.

Please note that you may not use this payment for any other pupose.

Should you fail to comply with my request, I shall consider the account in dispute.

I look forward to receiving this information within the time frame as indicated above

 

Yours faithfully

 

PRINT YOUR NAME DO NOT SIGN

 

An edited down version ;)

Edited by mr.ton

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Thanks alot, but if it isnt too much hassle can you jus break that up into simple terms for me so I kinda know what im askin them for and what it all means.

 

Sorry to bug u, just want to gain some knowledge in these sort of things.

 

Regards

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Hi all, I recently been looking around this forum and decided to become a member. Lately I've had a few problems myself from a debt collection agency called Lowell Group. I owed a residence building in Leciester the sum of £3100. Lowell Group decided to buy the Debt and have been contacting me since warning me that it is a final warning and I owe them £3100, I've paid £300 off so that leaves me with £2800.

 

After reading these forums, I seem to believe that if the buy the debt in the first place, gives me the opportunity to bring up CCA?

 

I don't have a clue about the CCA or anything else. I wanted to find out what is the best thing I can do now? Should I contact them asking for something. Or am I 100% Liable to pay the debt?

 

You may have had so many posts or threads about this sort of thing, if something relates to this could you just post the link so I can read about it. I admit im a total n00b when it comes to something like this lol.

 

Regards

Not sure that I understand what the debt was for, or if you signed a credit agreement. If the debt does not fall under the 1974 consumer credit act, then a CCA request will be fruitless.

 

If you can explain a little more and what type of agreement it was.

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The agreement was with me and a company called Unite, which are student halls all over the UK. I was to pay rent there everyweek. Being a student with money, I blew it all on going out and etc lol (I know my own fault), There were tenancy agreements signed, but i dnt remember what the documents involved. Being a careless student i lost my copy, so I cant actually tell you what the contract said. Its been twos years since that i've left university and Iv now got a debt collection agency chasing me.

 

I knw im in the wrong, but from what I've read, I seem to believe theres a way out. Am I right in saying that?

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The agreement was with me and a company called Unite, which are student halls all over the UK. I was to pay rent there everyweek. Being a student with money, I blew it all on going out and etc lol (I know my own fault), There were tenancy agreements signed, but i dnt remember what the documents involved. Being a careless student i lost my copy, so I cant actually tell you what the contract said. Its been twos years since that i've left university and Iv now got a debt collection agency chasing me.

 

I knw im in the wrong, but from what I've read, I seem to believe theres a way out. Am I right in saying that?

I have asked the site team to make sure you are in the correct forum. Better help may be available, elsewhere.

 

Vint

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Moving to the property forums...if you don't have any joy there, i'll move elsewhere...


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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