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Lowell Financial & Cap1 debt - Reply Letter Urgent Help Needed


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as I said earlier if these parts formed the same document it would be considered enforceable, however I have suspicions that they are not. If you look at doc1 you can clearly see two dark lines across it showing where it has been folded & then photocopied, yet on the other there's only one line. :rolleyes:

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Do u think I should send them some sort of letter?any ideas.thanks all,it does look dodgey and I have had no info with regards to the debt.just it cap 1 and I owe x amount of money.they sent another letter stating

To pay it or further action be taken?can any1 help?thanks

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Can I request to see statements? What should I send Lowell? All I know about the debt is Its cap 1. They have sent nothing with regards to statements etc? The cca looks dodgey to, anyone got a letter I can send? Thanks all

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Sorry to be a pain all, Lowell did not send me a statement with the cca agreement,does this help me as I am not paying for a debt that I have no proof of what its for just a figure? Also equidebt tried to take me to court for this date and I won the case two weeks ago. Has anyone got a letter I could send them? Just looking for one now. thanks

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Hi,

It's a tough choice on this one.

Either accept that what they have sent you is genuine or call their bluff.

 

If you accept it is genuine, offer them token payments but this restarts the Statute Barred clock.

 

I am with Cerebrus with this in that I have suspicions that it is not the front and back of the same document but in the end it's your call as to whether you take it further.

 

If you haven't sent a SAR to Cap1, I would do so.

 

You could tell Lowells that you are having the document examined by your solicitor to buy time while the SAR comes through. There is no standard letter for this so just draft one up.

 

fox

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks for that, do you think its worth asking for statements of the debt from lowell and there agreement with cap 1 as well as sending the subject access request? Hmmmm dont want to start making payments with a year to go and I could do with seeing all the charges thanks for your help with this. Have you got a subject access request template at all? Surely I shouldnt offer payment without seeing there agreement with cap 1 and the statements of my account? thanks

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Thanks for that, do you think its worth asking for statements of the debt from lowell and there agreement with cap 1 as well as sending the subject access request? Hmmmm dont want to start making payments with a year to go and I could do with seeing all the charges thanks for your help with this. Have you got a subject access request template at all? Surely I shouldnt offer payment without seeing there agreement with cap 1 and the statements of my account? thanks

 

Their agreement with Cap1 would be a confidential business secret so you wouldn't be able to see that.

The statement of debt is a Notice of Assignment which should have been sent to you before Lowells started chasing you.

 

Here is the link to a SAR request. You will need to adapt it to suit your needs.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

It costs £10

They have 40 days from receipt to respond

Send it recorded so you know when they got it.

 

Were you ever defaulted or your account terminated?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Hi all

 

Lowell Financial have be hounding me with letter chasing a capital 1 debt for x amount of money. I sent them a cca request around 2 months which I received around 2 weeks ago. Please see attached, to see if you think it is enforceable? Since I have received the CCA they have sent me 3 letters within a week! The last one stating they will put a charge on my property, attachment of earning along with court costs and interest or they will send an agent round to negotiate settlement!!!! What's this all about? They haven't sent me any statements to prove the debt or anything. All they have done is sent me a letter stating you owe x amount of money and my signed CCA which looks dodgey to be honest. Can anyone help, with drafting something up to send them today. Please help and thanks all!

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Get a statement of account out of them and see what unlawful charges have been added on. Then claim them all back with an interest rate on top.

 

Lowell = **** of the earth

 

Sploits :p

<----------- If I have helped in any way please click on my scales :p

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Why are the signatures out of line and why does your signature look like it has been photoshopped on it. Look at the top line of the box. Where the signature is it looks like its missing. That wouldnt happen on a hand written CCA would it?

<----------- If I have helped in any way please click on my scales :p

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I had a problem with TBI financial and i basically just asked for the statement of account. This will be your account activity and should show what has been spent on the card, what you have paid on the card and what charges have ben added.

 

Will have a look through my paperwork and see if i can find my letter. Also if anybody else has some correct wording for requiring the ststement of account from Low Lifes..............

<----------- If I have helped in any way please click on my scales :p

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Ok Cant find the original letter but i have found the reply that i used when i found out there were unlawful charges on the account:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

I have looked over the breakdown of account that you sent to me and I have noticed numerous charges on the account which are unlawful to common law. I have attached a breakdown of the unlawful charges in which I am claiming with this letter.

I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment.

 

We look forward to your reply.

 

Yours faithfully

(Print Name Don't Sign)

 

Hope this helps

 

Sploits :p

<----------- If I have helped in any way please click on my scales :p

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hi there, hope somebody can help me please!!!

I've received a letter this morning but it was sent to my son and daughter's address, i'm not even registered as living there, this is their house, they rent it not me.

it was lowells saying they bought my debt from littlewoods and demanding payment. I haven't got a job at the moment and i have been unemployed since october with no joy in finding one as yet.

I haven't rung them or wrote to them yet, but last thing i want is somebody to turn up at their door step asking for me or demanding money. They have part time jobs and have been helping me keep the head above water in this difficult times. Is sad but thats life. I dont know where they got this address from but i can only assume my old landlord, as my kids rented this house from the same landlord.

What shall i do? write to them and say i dont live at this address? ask for a CCA letter? Please help, i'm in a mess but don't want to put all this burden on my kids sholders...

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