lowell financial and old debt to grattan

[kerrygold2]

Hi everyone i just looking for some help.

 

 

I have received a letter from Lowell Financial wanting me to pay £1524 for account i had with Grattan

 

 

The letter say that they have brought the debt from Grattan.

 

 

In October 2007 i got a letter from Grattan saying my account was shut down

because they couldnt give me a copy of my cca which i ask for.

 

 

So can Lowell financial now demand this money from me?

 

 

hope someone can help thanks

[coledog]

Hi

 

Did you formally request a credit agreement from Grattans and do you have copies of the letters?

 

If you do, you need to send 'an account already in dispute' letter to Lowells which I can find for you. It looks like they have sold an account that is unenforcable.

[kerrygold2]

Hi thanks for the reply yes i did ask for a formally request a credit agreement from Grattans That when Grattans sent a letter saying that they didnt have any copys.I kept all my letters from Grattans. What do i need to put in letter to Lowell and do i need to send them a copy of letter i got from Grattans. Many thanks

[sam614]

So can Lowell financial now demand this money from me?

 

Hi,they can demand all they want,

you could just Ignore...if you can stand the constant crap they will continue to send

OR

send the bemused letter informing them that the account is in dispute,and has been since 2007.cause they have brought another lemon:jaw:

OR send them a cca request

 

3 options,either way the losers lose again:whoo:

[dpick]

Hi if you still have the original we cannot find agreement then edit the following letter we sent to iqor after littlewoods did the same thing.

 

iQor Recovery Services Ltd

33/34 Winckley Square

Preston

PR1 3EL

 

Dear Sir/Madam

 

Account no:XXXXXXX Littlewoods

 

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

 

We would point out that we do not acknowledge of any such debt.

 

Please find enclosed a copy of a letter received from Littlewoods dated NN/NN/NNNN in which they confirm that they have no agreement with respect to the above account and will not be pursuing this account.

 

We now state that no further communication will be made concerning the above account unless required to by a court of law.

Please note that if you instigate legal proceedings we would then request, in compliance with CPR 4.6© a copy of the documents that you will be relying on in court as proof that a properly executed agreement, complying in all respects with the form and content requirements of the CCA 1974 was signed by my wife in respect of this alleged debt.

 

We await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your and Littlewoods actions.

 

We look forward to your reply.

 

Yours faithfully

[sam614]

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute

 

 

you could send if you had put account in dispute when gratton failed to supply cca.

 

If not cca lowell now to shut them up.

[Bazooka Boo]

TBH if you have already CCA'd Gratton then their is little point in sending another to lowlifes, I would just ignore the morons, or send the 'bemused' letter sam linked above, and then ignore them, keep an eye on your credit file and if these eejits have been walking all over it, you should look at putting in a claim for damages from both the CRA and lowlifes.

[kerravon]

Why do none of the letter links I have clicked go anywhere?

[coledog]

don't know - I can see them, you could try logging out and in again. The letter in post 5 is the one you want anyway.