Lowell portfolio was compucredit was providan national bank

[Bazooka Boo]

.1) We regret to note despite previous correspondence regarding your account we have not received payment or a valid reason for non payment. Thats because I'm ignoring your silly little missives.

 

2)Despite the fact that we have offered you numerous opportunities to resolve the debt it remains outstanding. Payment in full is required in 5 days or applying to have the debt secured on your home, deductions of earnings along with court costs and interest.Yawn Yawn Yawn stop telling fibs.

 

3)FROM RED DEBT COLLECTION SERVICES (REGISTERED ADDRESS EXACTLY THE SAME AS LOWELLS) Recovering what you owe. Lowell have passed your account details to us so that we can collect the money you owe on their behalf. you must now pay us £XXXX. We are specialists in assessing accounts for litigation. so we will be obtaining a copy of your credit file in order to review your financial circumstances and the information in it will help us decide the best way to recover what you owe. Er, your the same company your just using a different name, tut tut, exploiting a debtors lack of knowledge AGAIN!!

 

 

Complain to the OFT&TS regarding their use of numerous names to exploit your lack of knowledge.

[sickasachipsotherhalf]

HA HA HA thank you bazooka that made me laugh out loud!!

 

We said the same thing when we got the 3 letters,

 

It was not till i had a good look that the company number and registered address is EXACTLY the same that I laughed!

 

I will draft a letter to TS and the OFT about that as they were dated only 7 days apart

- must have took them that long to change the letter head in the printer.......

 

....what do you think of letter 4?

[Bazooka Boo]

TBH, any apology given by DCA's I treat exactly the same as MP apologies. They hold no substance and are simply what they think you want to hear.

[sickasachipsotherhalf]

Thanks

but they also state in their letter that they ahve sent all the documentation required to prove that they own the debt and we ow it.

 

What we have actually received is a copy of a reply card with no terms and conditions and a print out of the transactions on the account.

 

No Default notice or assignment notice and not to my rekoning a real credit agreement

(although I'm astounded I got anything at all!)

 

Is it worth pointing this out or ignoring them some more?

[Bazooka Boo]

When was this taken out, post 2007 ot pre 2007??

 

Does their silly name appear on your credit file?

[sickasachipsotherhalf]

Dated 2001 and last payment 2007 and yeah its showing on the credit file. I'm thinking of not showing my cards and ignoring them till they decide its almost. SB and take me to court then requesting the rest of the documents and terms and conditions?

[Bazooka Boo]

Well IMO, they have to provide a 'copy' of your actual agreement, as this is pre 2007, if they've failed to do so then yes keep your cards close to your chest.

 

And TBH if this has been doing the rounds for five years then I strongly doubt this is ever going to make it to court, when in 07 did you make the last payment?

 

Did you send the children http://www.consumeractiongroup.co.uk/forum/content.php?415-POSSIBLE-Letter-when-a-questionable-agreement-application-is-sent.

[sickasachipsotherhalf]

They sent a copy of a reply card which I've posted up here

if you need to see it in an earlier post.

 

I've not sent that letter but its very good thank you

but again I may hold off on that as it tells them I know what they have sent is rubbish.

 

It ref's to terms and conditions but none supplied.

 

It is signed but no rates or anything on it!

 

Do you think I should push it further?

 

Last payment was def march but they have a payment down in June

 

I may well request further details on to make sure I did pay it then

 

and its not made up to give them more time before its SB!

[dx100uk]

i'd sar the oc

 

dx

[sickasachipsotherhalf]

Complaint form completed for the OFT:4: Complaint details

 

We recieved a letter from Lowells on x date copy enclosed saying they were going to instruct solicitors in 5 days if we did not pay.

 

We then recieved a letter dated x date (7days after 1st letter) from Red Debt Collection.

 

We have now discovered that they are the same company with the same registered address and company number.

 

They did not make this clear in either letter that this is a different trading style.

 

We believe that this is an attempt to exploit is into believeing this was an escalation with reference to solicitors

 

.Does this sound ok?

 

They even provide a freepost address to send it too!!

[sickasachipsotherhalf]

DX would you still SAR them even though they think they have provided a legit copy of a credit agreement and statements?

 

Even though they have provided a reply card and a printout of transactions?

 

Thanks

[dx100uk]

ignore lowlife

 

sar the OC {Original Creditor]

 

dx

[sickasachipsotherhalf]

DX I'm having trouble finding an address to send the SAR too?I've had a read through some threads on here and apparently Provident / Compucredit have moved about and been bought and sold a few times??Anyone out there know a current address for Compucredit????

[sickasachipsotherhalf]

the address on the statement is

 

po box 6476

northampton

 

nn4 1zn

 

statement dated back in 2007?

 

reply card has providan national bank?

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?49524-Does-anyone-know-of-PROVIDIAN-National-Bank

[sickasachipsotherhalf]

Lovely letter back from the OFT confirming receipt of my complaint and saying it will go on file for reference!!!

[sickasachipsotherhalf]

Letter from Lowells (back to them again)

 

Dera sick as a chips other half,we

 

want to help you clear your account

we know it can be hard managing your finances and we are willing to be flexable with you.

 

However we do need to hear from you to set up an arrangement and prevent any further action taking place.

 

This debt is not going to go away and ignoring the probloem could make things worse for you.

 

We have said in previous letters we require payment in full or if you cannot afford to pay it off in one go you can pay in installments monthly.

 

Pay from just 66p per day.

 

In an effort to demonstrate how flexible we are willing to to be we would like to offer you a monthly repayment plan,

so that you no longer have to worry and to stop any further action, such as litigation. Blah Blah Blah

 

how to pay etc........

.......Oh well since they are SO VERY concerned about me I think I'll.............

 

........... ignore them some more!In anyone's experience is this the step before they do really take me to court?

 

Thanks

[Bazooka Boo]

Ha ha, lowlifes and court, in the same sentence too!

 

This is time barred next month isn't it?

[sickasachipsotherhalf]

should be! Apart from that 1 pesky payment in June 2007!

[Bazooka Boo]

What do you mean? Who paid it and why?

[psyduck]

should be! Apart from that 1 pesky payment in June 2007!

 

as said earlier lowlifes do have a habit of inventing phantom payments, i am in dispute with them (read - ignoring them) about one debt now but a few years ago I had another debt with them, the debt was SB they said there was a mysterious payment which made the debt active, asked them for proof of the payment (where/when/who etc) and never heard from them again...

 

my tactic was to wait it out until i knew it was SB, send them the SB letter and if they go on about the phantom payment tell them to PROVE IT