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Northern Rock\Co-cp Credit card debt sold to Lowells


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Originally a northern rock card it was transfered to co-op soon after taking it out. I requested the cca from them and this is what they sent. It didn't contain the required t&c's which came on a separate bundle of papers with a header that looks like it was taken from a website screen shot so i put the account in dispute in 2009 and it has been quiet until now.

It was transfered\sold to lowells at the end of 2012.

What should be my course of action?

nrockcc_zpseedf04af.jpg

Edited by baldwelder
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are lowlife chasing then?

 

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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have you got ALL the statements?

 

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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i would sar the oc and get everything they hold on you

 

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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Share on other sites

As i have just said to harry. Write to lowells telling them it is in dispute since whoever failed to reply to your cca request.

Remember that recons are allowed and T&C can be separate so long as they are the right ones. However that is an application form with no prescribed terms.

Any opinion I give is from personal experience .

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Remember that recons are allowed and T&C can be separate so long as they are the right ones. However that is an application form with no prescribed terms.

 

The recon is only allowed if the agreement was after 2007, because this agreement was before 2007, then an original must be produced in Court along with the full Terms & Conditions.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Sorry stigma but i am not prepared to take the judges lottery risk. It is something i hope you are right about. If your defence was purely S78 you could lose. Even Mayhew lost on S78. (apologise to the user who i have just stolen that quote from.)

Any opinion I give is from personal experience .

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  • 5 months later...

I had the same cca/application sent when a cca`d coop in 2009 then put the account into dispute.

Early this year i was informed the account was sold to a dca and told them the account was in dispute.

they returned it to coop who have now written to me disputing my dispute.

What is my next step?

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I had the same cca/application sent when a cca`d coop in 2009 then put the account into dispute.

Early this year i was informed the account was sold to a dca and told them the account was in dispute.

they returned it to coop who have now written to me disputing my dispute.

What is my next step?

 

please start your own thread

 

see below

 

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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Share on other sites

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