Lowells & Capital One debt - CCA request

[BRIGADIER2JCS]

Hi thanks, I have been advised a while back that this was a short application form and not a credit agreement is this correct?, and also the default notice was defective as it was not date specific.

 

Thanks

 

 

From what I can see I agree it is a short app form, and without the other elements required for a recon agreement it is not compliant with the CCA request.

 

 

I would suggest waiting to what Lowell come up with from Capone before doing anything else.

[Nivagey]

Ok cool thanks.... Just noticed the statements they have sent page 1-25 from 15/01/2005 to 15/08/2014 show the balances minimum payment due, credit limit New balance but its also stating 15/01/2005 Paid in £0.00 Paid out £0.00

and the last statement states 15/08/2014 Paid in £0.00 Paid out £0.00

 

Notice of default was 16/04/2010

 

That don't make sense?

[BRIGADIER2JCS]

Ok cool thanks.... Just noticed the statements they have sent page 1-25 from 15/01/2005 to 15/08/2014 show the balances minimum payment due, credit limit New balance but its also stating 15/01/2005 Paid in £0.00 Paid out £0.00

and the last statement states 15/08/2014 Paid in £0.00 Paid out £0.00

 

Notice of default was 16/04/2010

 

 

No I agree, would you check please if the 16/04/2010 date is not just the date the file was updated and not the actual date defaulted.

 

 

A default notice and the date on it is not the actual date an account is defaulted which could be up to 6 months later.

[Nivagey]

Hi, please find the default notice and termination letter and also the 1st and last page received today of their statement of account records.

 

Hope this is of help?

 

Thanks again!

[dx100uk]

you need to PDF the pics

 

 

we cant see them.

put thewm in a multipage word doc

then PDF it please

 

 

Brig

 

 

if you are going to quote posts hit the reply with quote bottom right icon.

 

 

dx

[Nivagey]

Hi

I have tried to PDF etc andno luck is this any good?

 

Thanks

[Old Cogger]

clause 8 not present @ inception? usual response from crap 1 = missing prescribed terms?

 

payments before previous 6 years never shown and they can get away with that as more than 6 years,

 

others will comment also!

[Nivagey]

Hi where on the docs posted would or should be clause 8 mate ?

 

They did send 6 pages of t&cs but not scanned those yet -:/

[Old Cogger]

usual T&Cs updated.

 

 

Clause 8 for you to read should of been part of the application etc but were so called sent at a later date therefore you would be unable to read them on applying etc? Hence not present at inception!

[Nivagey]

Ah oh right I see... I have now seen on the default notice about that clause 8 of the agreement bit

 

Would this indicate that the agreement is faulty then?

 

Cheers

[Old Cogger]

Ah oh right I see... I have now seen on the default notice about that clause 8 of the agreement bit

 

Would this indicate that the agreement is faulty then?

 

Cheers

 

unenforceable I have been informed, as you would not of been able to make an informed decision on the presented document, ask Andy to look in if I were you to confirm etc???

[Nivagey]

Ok thanks Mike770 appreciate your help

[dx100uk]

why can you not convert you attachments to PDF please?

 

 

dx

[Nivagey]

dx I have been trying all morning and can not do it I'm afraid this is the only way for now I don't have adobe or anyway to convert to PDF

[Nivagey]

DX I have just checked the post I uploaded the files and it seems they are now in PDF format? Has someone kindly converted it for me? If so Thank you very much I was pulling my hair out

[dx100uk]

yes me!

 

 

try this:

 

 

HOW TO UPLOAD DOCUMENTS / IMAGES ON CAGicon IMMEDIATELY YOU DO NOT NEED 10 POSTS

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAGicon you must ensure that you REMOVE all Personal Information including Barcodes, Names, Addresses etc

.

ENSURE: To leave all Monetary Figures and Dates.

.

DO NOT USE A BIRO, PEN, SEE THRU TAPE OR LABELS TO EDIT THE INFORMATION

.

1. SCAN YOUR DOCUMENT

.

- Set your default scan page size to A4 less than 300 DPI (150 will do)

- Scan the required letters/agreements/sheets - as a picture (jpg) file

- Don't forget you can use a mobile phone or a digital camera too!!

.

- If you have multiple scans/pictures please put these into a WORD DOC first ensuring you have removed all Personal Information before converting to PDF.

.

- IPHONE ONLY: Take a picture and Convert to PDF via an APP

.

2. HOW TO EDIT (Remove Personal Information)

.

- Do this using MSPAINT.EXE or any Photo Editing program and ensure to save the document.

.

3. HOW TO CONVERT YOUR DOCUMENT TO PDF

.

- If you have OFFICE installed this has an installable PRINT to PDF option so use this and save as PDF.

- If you have PDF as an installed driver use this program and save as PDF.

.

OR Go to one of the many free online pdf converter websites:

.

- http://freejpgtopdf.com/

- http://www.convert-jpg-to-pdf.net/

- http://www.freepdfconvert.com/

- http://www.pdfmerge.com/

- http://www.primopdf.com/

.

PLEASE REMEMBER: It would be better to upload a Multi-page PDF rather than multiple Single PDFs.

.

4. BEFORE UPLOADING YOUR DOCUMENT ON CAG

.

- Logically Name your PDF File so Users know what it is. DO NOT NAME YOUR FILE USING BANK NAMES OR CAG IN THE TITLE

.

- For Example: Default Notice DDicon-MM-YYYY.

.

IMPORTANT To protect your IDENTITY and ensure you remain ANONYMOUS on CAG please ensure that you do a final check that all Personal Information including Barcodes, Names, Addresses etc. are REMOVED before carrying out the NEXT STEP

.

5. HOW TO UPLOAD YOUR DOCUMENT ON CAG

.

- In your Thread/Post open a new msg box here.

- Click 'Go Advanced' below the msg box.

- Click 'Manage Attachments' below that box.

- Click the 'Add Files' button on the top right.

- Click 'Select Files', navigate to your file(s) on your PC.

- Click 'Upload Files'.

.

- You DON’T have to put a link to the attachment in the msg box just upload it ……… JOB DONE

- You can click on your links to check them too!!

.

[Nivagey]

Thanks for this DX, do I still need to do it again or just do it next time (like the way you have posted) when I need to upload a letter in future?

[dx100uk]

for next time

 

 

dx

[Nivagey]

Update today from Lowells.

 

My scanner has died so I will have to type the letter. It reads like this

 

" Dear XYZ,

 

Thank you for your patience while we investigated your enquiry.

 

Capital One have checked their records and have confirmed the CCA request was compiled with on 20th August 2014. However they have no details on file in regards to a dispute being raised on the account.

 

As a goodwill gesture we would like to offer you a discount of 15% of the balance, which means the that the amount to pay to clear this account is £xyz.

 

Please be aware by accepting this settlement we will inform the credit reference agencies that your account has been partially satisfied.

 

You can pay this in full, or discuss affordable instalments by either calling us on xyz number or emailing us at xyz email address where one of our advisor's will be able to help you.

 

We have stopped collections activity on your account for 14 days to allow you time to get back to us.

 

In the meantime if you need to speak to us please call on the above telephone numbers.

yours sincerely

 

xzy

Customer services manager.

 

Would I be right in thinking they are clutching at straws now? What step now?

 

Thanks in advance

[dx100uk]

let 'em wriggle and beg

 

 

xmas is coming they need to find

a good few mugs to fleece to pay for the party

 

 

dx

[Nivagey]

ok thanks DX

 

Has anyone else been offered discounts with Lowells to settle? If so did you decline? & how far did they go?

 

Thanks in advance

[Old Cogger]

ignored their begging letters

[dx100uk]

everyone eventually gets discount letters

 

 

don't pay them anything.

 

 

did you ever look at reclaiming

[Nivagey]

Thanks Mike770 & DX

 

Hi DX, no mate I never had PPI with that lot I have checked. I'm wondering if that is a standard reply from Lowells regarding CapOne never having anything on file regarding the account in dispute? I have letters contrary to that that I have sent Capone stating the account was in dispute (hence payments stopping)

 

What can I expect from Lowells then? I'm not going to pay them a penny! I thought now the ruling now was they have to tell you whether the account is unenforceable or enforceable?

 

Thanks again in advance

[dx100uk]

nope.

 

 

if theres a discount

theres something there that's wrong.

 

 

dx