m&s and lowell. financial

[karens25]

hiya

i had a marks and spencer chargecard,the account has been passed to lowel for collection, i sent them a cca request to which they replied that they had requested a copy of th original contract from m & s and whilst they would endeavour to supply this information to me within the prescribed time limit that would depend on them receiving the information from the original lender... today i have received a letter from them and i quote....

 

 

.....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 requested that your credit agreement be retrieved from archive.

 

once your agreement is retrieved you will be required to repay the outstanding balance in full. if deemed necessary we may initiate legal proceedings which could eventually see your outstanding balance increase due to court costs and interest.

 

please contact us if you have any queries regarding the above.

 

 

now is it just me or do these guys appear to be running scared??

 

any ideas on a strongly worded response will be most gratefully received.....

 

thanks in advance

karen

[silverfox1961]

hiya

i had a marks and spencer chargecard,the account has been passed to lowel for collection, i sent them a cca request to which they replied that they had requested a copy of th original contract from m & s and whilst they would endeavour to supply this information to me within the prescribed time limit that would depend on them receiving the information from the original lender... today i have received a letter from them and i quote....

 

 

.....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 requested that your credit agreement be retrieved from archive.

 

If they have a copy.

 

once your agreement is retrieved you will be required to repay the outstanding balance in full. if deemed necessary we may initiate legal proceedings which could eventually see your outstanding balance increase due to court costs and interest.

 

OOH SCARY SCARY

please contact us if you have any queries regarding the above.

 

 

now is it just me or do these guys appear to be running scared??

 

any ideas on a strongly worded response will be most gratefully received.....

 

thanks in advance

karen

 

If you haven't sent the account in dispute letter yet, you could do so.

That letter is just their usual one they send when you have asked for your agreement.

 

Have they not graciously offered a settlement figure They did with me.

 

You still have a couple of more letters to go before they drop it if they can't find the agreement.

 

fox

[karens25]

thanks fox

i have just sent the account in, dispute letter, i havent had settlement figure offer yet... did they finally drop your case and was that the end of it?

thanks again

karen

[silverfox1961]

thanks fox

did they finally drop your case and was that the end of it?

 

karen

 

 

Hi karen,

They did drop it after 4 letters from them but it was by no means the end. It took a complaint to the FOS and my MP's involvement for them to mark my credit file as satisfied due to a Full & Final settlement. My debt was for nearly a grand and I paid £240 (before I found CAG) so £750+ written off.

 

No guarantees yours will be the same but we always hope that the Leeds Losers keep cocking up which then speeds up their demise.

[karens25]

thanks very much for your help and well done

 

karen