Alleged CC debt sold to Lowells Dec 2012

[Boltmaker]

Is a CC agreement not signed by the bank a non executed agreement and therefore unenforcible thru the courts.

[dx100uk]

in the main, the days of a 'paperwork error' making a debt unenforceable are long gone thanks to the reclaim co's

trying to exploit all the 'loopholes' .

 

tell us more about the debt please

 

dx

[Boltmaker]

CC from 1996 alleged debt over 10k. No signature for and on behalf of the bank space for signature left blank also no credit limit shown or rate of interest. Now in hands of third DCA. First 2 backed down when challenged over above.

[dx100uk]

when was your last financial transaction and does this how on your cra file?

 

dx

[Boltmaker]

Last transaction Aug 2009. Not checked CRA

[dx100uk]

ok well it would be a bit silly to claim after all these years a that the debt is not your via a paperwork error.

 

have you looked at reclaiming unlawful charges /ppi?

 

dx

[Boltmaker]

Todays post just arrived and lo and behold a letter from DCA alleged solicitors offering 40% discount to alleged debt.Will check CRA later and consider ppi reclaiming

Edited October 21, 2011 by Boltmaker

[dx100uk]

then that is the clincher

NO-ONE offers a discount

if they can smoke the whole cigar.

 

its either all charges or PPI

 

and i BET its not on your CRA.

 

time to ignore totally

 

dx

[Boltmaker]

Many thanks for your thoughts and for putting mind at rest

[Boltmaker]

Hi Guys

An update on this thread. Alleged debt sold to Lowells Dec 2012. Sent the usual letter to them,prove it, CCA ect.

Lowells now written to say no valid CCa so cannot proceed further and have closed account and will not contact me again. No doubt some other low life will have a go though.

[SnoogyWoo]

Thats great Boltmaker. All you have to do is send that letter every time a DCA comes at you. Not to much hassle!