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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Lowells/Red/Hampton - outstanding debts with shopacheck & capital one


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A reconstituted agreement is one put together by a DCA/Creditor to represent what a ''customer'' would have originally signed, often provided now on pre 2007 debts where the originals are not available because of age.

 

It must consist of the Terms & Conditions at the inception of the agreement and at closure + any amendments made.

It must have The Debtors Name and Address at the inception of the agreement and the creditors name and address at inception.

The financial data must be that contained in the original agreement.

 

This has come about by court rulings that have entered into case law.

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How true the number of recons showing up on relatively ''new'' accounts is worrying though>

brig-I think some of these are coming from lenders experian "auto-score" records posted with appropriate t&cs, doesnt mean they have the originals though

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A reconstituted agreement is one put together by a DCA/Creditor to represent what a ''customer'' would have originally signed, often provided now on pre 2007 debts where the originals are not available because of age.

 

It must consist of the Terms & Conditions at the inception of the agreement and at closure + any amendments made.

It must have The Debtors Name and Address at the inception of the agreement and the creditors name and address at inception.

The financial data must be that contained in the original agreement.

 

This has come about by court rulings that have entered into case law.

 

Thanks Brig.

The Banksta Buster.

:-x :-x

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No of course not, I have a suspicion that recons are being provided from some sources when it is known that the original is not compliant eg not easily legible.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Dear All

 

Thanks for all your replys. The original creditors were shopacheck & capital one.

 

The reason I have sent them a cca request is because shopacheck sent me a letter saying they had sent the debt to Lowells and that i owed £160

 

i have no problem paying that but lowell say i owe over £500.

 

They didnt respond to my request in November so really i should of sent the dispute letter after that as they didnt comply with the 14 days timescale.

 

Do you think i should send the dispute letter now.

 

I only recieved a response from them last week and the letter was sent on the 14th March.

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Have you kept the ''shopacheck'' letter?

I think Lowell have been playing silly buggers with the figures by adding spurious charges which is a real no no.

 

This needs a strong prove it letter to Sara de Tute Compliance and Legal Director. as below.

 

Ms S de Tute

Director of Legal and Compliance

The Lowell Group

Enterprise House

1 Apex View

Leeeds

LS11 9 BH

 

Ref: use theirs.

 

Dear Ms de Tute,

 

I refer to recent correspondence from Lowell regarding an alleged debt in the sum of £500.00 originating from a ''shopacheck'' account, please take not I do not acknowledge any debt for this amount, nor do I accept any liability for any other debt.

 

I am most concerned about the amount claimed by Lowell as I have researched the alleged debt and have been informed by ''shopacheck'' of a totally different amount allegedly owed.

 

I will not therefore correspond further with Lowell until a full explanation of how the figure of £500.00 has been arrived at, and this account id formally in dispute at this time.

 

This letter is sent by RM recorded delivery and its receipt will be checked.

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:

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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:

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