Jump to content


petepastie

Advantis/Lowell/Redcats CCA non-compliance help needed

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2474 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi Everyone

 

I recently received a letter from a company called Advantis Credit Ltd claiming I owed a debt to Lowell who had purchased the debt from Redcats finance. I had no recollection of this debt however I know in my past I had ran up a large amount of debt with various companies. All my debts now however were statute barred as I know for sure there has been no CCJs, no contact and no payments in the last six years and my credit file is now clean and I am currently managing my debts well.

 

Early in November I sent Advantis the statute barred letter confident that my debts were all statute barred. On November 22nd I received a letter from Advantis claiming that a payment of £15 had been made on the account on 30th October 2007. I know for a fact no such payment had been made by myself on that date or even in the last six years.

 

On that same date I replied with a CCA request letter to them with the statutory fee and sent it by special delivery. The letter was received on the 23rd November 2012 the very next day and Advantis have responded to say they have received the letter and have passed it on to the original creditor.

 

It is now the 10th January and I still have no response from the creditor in question. Please could someone advise me on what to do next as firstly they have not responded adequately in the statutory time period and they have made a false allegation that I made a payment of £15 to them in 2007.

 

Help is much appreciated

 

Pete

Share this post


Link to post
Share on other sites

You need to make a formal complaint to Advantis asking for unequivocal proof that such a payment was made:

 

eg, The type of payment, cheque, cash, via a bank, debit or credit card, bank draft and you require the cheque number,

the bank it was drawnon, the account holders name,and the similar details for the other methods of payment and without such explicit details the alleged payment is denied.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Thank you for your quick response. I did mention in the CCA letter I sent to them that I wanted full details of all payments made on the account in the last six years. However since sending that letter it has all gone quiet and the phone calls I was receiving from them has also stopped. I will write to them asking for confirmation that the matter is now closed.

Share this post


Link to post
Share on other sites
Thank you for your quick response. I did mention in the CCA letter I sent to them that I wanted full details of all payments made on the account in the last six years. However since sending that letter it has all gone quiet and the phone calls I was receiving from them has also stopped. I will write to them asking for confirmation that the matter is now closed.

 

Ok please keep us posted on the response.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

ah the old 'phantom payment' diddle.

 

 

 

speaks for itself really

 

a dca chasing a debt from a dca that originated from a creditor that sold it years ago..

 

LEMON debt!!

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...