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Lowell / Cap One What do I do now ... Advice Please


Dydie
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Hi

 

I recently sent the "I do not acknowledge" Prove it letter to Lowell who have purchased my Capital One account which defaulted in 2008 (last payment made Jan 2007).

 

They have sent me back the following letter along with a breakdown of my statements.

 

"We write in respect of the above debt, which, as previously notified in writing we have purchased from Capital One.

We are now entitled to receive payment of the balance of £xxx from you and enclose a copy of your statement as requested. Neither Capital One nor ourselves are aware of any reason for non-payment.

Please kindly make payment of the outstanding debt or contact us within 7 days of the date of this letter to agree acceptable payment proposals, failing which we reserve the right to instruct our solicitors to issue legal proceedings against you without further notice."

 

Well I never requested copies of my statements I asked them to prove I was liable for the debt, I know what they have sent me does not prove liability but what should I do now?

 

Would you just ignore them as they have failed to provide what I asked for or should I sent another letter, if yes which one?

 

Thanks in advance for your help :roll:

 

Dydie

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did you send the cca request?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi d

 

No just the I don't acknowledge one .... I always try this letter first as it often gets great results without having to go down the cca route

 

I take it I need to send the CCA with my hard earned £1.00 ?

 

I have read quite a few threads to do with CapOne where they are not enforceable due to T&C's and Signatures ??

 

Do you think I have a good chance if I fight this or should I just hide back under my rock for another 2 yrs until it's statute barred ?

 

I can't remember when this account was opened (I think probably late 90's but the statements they have sent me go back to Jan 2002)

 

Thanks for any help

Dydie x

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send the correct letter - a cca request - legally binding

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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