Lowell Portfolio 1

[Bazooka Boo]

Have you checked to see if they have signed for your request yet? As by my reckoning, if you sent it 1st class on the 1st of Sept, they should have received it the following day, and 12 working days from them gives them till the 20th to reply.

[Bazooka Boo]

You can check online for when they received your request her;

http://track.royalmail.com/portal/rm/track;jsessionid=SFVGYQ12KEYSKFB2IGIVGAQ;jsessionid=SFVGYQ12KEYSKFB2IGIVGAQ?catId=22700601&emt=emt&track=track&default=default&imageRootPath=&loc=en_GB&keyname=track_home&gear=track

 

Debts don't get wiped, if they can't find the original agreement, it simply means they cannot take any legal action against you to enforce the debt, so they won't be able to take you to court and obtain CCJ's or court orders etc, they can still "ASK" you to pay, but the decision is up to you whether you should or not.

[Bazooka Boo]

Yes, for the time being you win. But don't crack open the Champers just yet, there is still plenty of time for them to come up with some reconstructed agreement so they can continue their harassment!

Keep that letter and make a couple of copies of it, for when the next coach load of monkeys come along trying to steal your bananas. That is about the fourth or fifth one I've seen this week where lowlifes have backed down and given up...?....is this the calm before the storm? Two months before Crimbo?

[Bazooka Boo]

Try this? If it works???

http://www.consumeractiongroup.co.uk/paypal.php?go=donate

[Bazooka Boo]

Oh yes, the Magic Roundabout with dougal Zebedee, and Ermintrude to name but a merry few, there is an episode to reminisce her....

 

PLEASE DON'T CAGbot THAT LINK!!!!

[Bazooka Boo]

Have received the CCA. Sent by them on the 15th of December 2010.

What should my next step be?? Is that it now? should I just pay the outstanding debt?

 

No no, it's not as simple as that, once you have scanned and posted it up, others will be able to look at it and advise whether it is enforceable or not, and whether or not it is indeed a CCA!

Please ensure you remove all ID, names, addresses, ref numbers, bar codes and funny little bar code boxes.

[Bazooka Boo]

Load them onto Photobucket, or Tinypic..

[Bazooka Boo]

The last two uploads of the form, the one which is clearer to read, is this the same as the one you signed?

Was this done in store?

[Bazooka Boo]

Well I must admit, that whilst CCA's are not my bag, this does look like they have obliged you with your request, it's not often they will furnish you with a clear copy of your agreement along with the original copy...Not to worry, as this isn't about debt avoidance, just playing by the rules. So I agree that you would be best to make them an offer of payment, in writing, and if they refuse this, reduce it by a Pound each and every time.

 

You can ONLY pay what YOU can realistically and comfortably afford, NOT what they demand. If they ask you to fill in their hilarious I&E form, then it is up to you to decide whether you want them having this personal information, only a Judge can request such info, BUT it may be advantageous to you to supply them with this info.

 

If you feel you should, then I strongly recommend getting an I&E form off here or one that is better suited to your situation, the National Debtline have some good ones, or the Local CAB.