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Lowells DCA who do I SAR?

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Having used the CCA request to get rid of Crapquest for a different issue, I've just had 2 Lowells 'Statements' (the tide looks 'in' for Lowells looking at thread headers) for different amounts as owed to HBOS.


The issue is that

I did not have any HBOS debt, but

I think the AA credit card I had was owned by HBOS as was a loan,

all my debt was taken out at least 5 years ago with a couple of consolidation loans

being the most recent (the initial reaction of 2 of my debts was to loan more to pay the loan!) and



I stopped paying about 4-5 years ago shortly after getting CAB advise to make them all a manageable offer, so they are approaching SB.


I contacted ALL of the companies I owed to try and arrange manageable repayments when I hit a rocky patch in life,

they ALL said Foxtrot Oscar, apart from First Direct who were pretty good and we sorted a repayment scheme to protect my Wife's credit history that we are still paying.


I have to decide if I want to goad HBOS/Lowells by entering a SAR request to HBOS, if I do does it need to be 2 or just a "Lowells say I owe you 'X' please provide copies of ALL documents to hold on me"?


I'm guessing I might as well CCA Lowells at the same time, with a 31.14 letter ready to bounce back at them if they get shirty?


While I'm getting my hands dirty, should I chase CrapQuest for my £1 back?8) Or is that just pouring petrol on a cold fire after almost a year has gone by?



Escaped the DCA nightmare, now helping others start businesses


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My own advice and thoughts would be to leave well alone unless they are making threats of Court, as you are near SB.


If you send a SAR to the Original Creditor who is the same for both accounts then you only need to send 1 as they should send you all the information they have on you no matter how many accounts.

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