Lowell chasing debt late 2004/early 2005. No payments ever made. Very close SB'd or may already be so.

[BRIGADIER2JCS]

I really don't see any problem in an advert,

I see a considerable number of letters from

lenders who have turned down credit application

a many suggest that the applicant should check

the CRA's files after they have been refused credit.

I have been working on a project for two and a half years

on the myths, facts, and operations of the credit reference

industry so have accumulated no small insight into

the business, when collated by findings will be freely

available.

[merlin100]

Ok boys, just an update.

Send Hamptons the Stat Barred letter yesterday. Should be interesting to see what comes back.

Will let you know when I do.

Cheers all

[Old Cogger]

I really don't see any problem in an advert,

I see a considerable number of letters from

lenders who have turned down credit application

a many suggest that the applicant should check

the CRA's files after they have been refused credit.

I have been working on a project for two and a half years

on the myths, facts, and operations of the credit reference

industry so have accumulated no small insight into

the business, when collated by findings will be freely

available.

 

will be interesting insight!

[BRIGADIER2JCS]

Hi Mike,

It has to say the least been a complex

learning curve, and has dispelled many

of the old chestnuts about the way CRA's

carry on business that still crop up,.

The one that has been around sinve the

CRA's began is still going strong Quote.

 

'' Iv'e been turned for credit because the CRA

has black listed my house'', closely followed by,

I have been paying reduced payments and ''THEY''

have defaulted me it's illegal'' and the credit score

myth ''My credit score is low, this is libelous and

defamatory'' it can not be either as only the data

subject can see the ''magic score'' no one else ca.!!

I thought of getting a cartoonist mate of mine to

illustrate a guide to The Facts and Myths of Credit Reference Files:madgrin:

[Old Cogger]

 

Cartoon illustration there is a thought? will follow with interest. Mike

[merlin100]

Ok guys and gals - update here!

 

Had a letter today from Lowells thats reads -

 

Your account is now closed.

We have today reviewed your overdue account.

 

We have discovered that Section (5) of the Limitation Act 1980 now applies to your account (this relates to the amount of time passing between now and the time you incurred the debt) and we will no longer be asking you for payment.

 

We will not send you anymore letters and we have now closed your account with Lowell.

 

Yours sincerely

Andrew Bartle

Chief Operations Officer.

 

I like the amount of "you" and "yours" in such a short letter - its like one last dig at "we were right"

And the fact that they "discovered" it was Stat Barred - hilarious! No Lowells, it was Cag that shafted you - you didnt "discover" anything!

And whats a Chief Operations "Officer"? Officer eh? Wonder how many innocents that title will intimidate?

 

But anyway, thanks all, great result.

Guess I will now sit back and wait to see who Lowells shaft by bundling it up and flogging it on to the next lowlife - but at least I have a nice shiny Stat Barred admittance letter to copy and send:-)

 

Thanks peeps, thanks very much

[dx100uk]

shame they dont apply that rule to the other 10'000 letters

about KNOWN SB debts they fire of every day

trying to spoof people into paying.

 

would be nice to get a scan of that letter for the records

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

the hit reply button

 

 

i can see me and a few other turning that into the next SB letter for dca's to chew on.

 

good idea brig?

 

dx

[BRIGADIER2JCS]

I think so:madgrin:

[merlin100]

Hi dx. You want a copy?

[dx100uk]

post on thread using the guide above

 

well done

 

dx

[merlin100]

No probs dx, just got in from work. Will do it first thing in the morning.

[GeoffreyAlby]

Out of Interest did the letter ever get posted?