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    • Hello, You can't make EVRi investigate something. The only thing you could potentially look to do is take EVRi to court for the value of the lost parcel, however with a value of only £25 there will be limited point to doing that.
    • Is the letter headed Letter of Claim/before Claim or similar? If not, it sounds like more of the threatogram chain. If you're not sure, post up an anonymised copy of the letter and we'll check. HB
    • So guess what, we have received a final demand letter for £100. It states if payment is not made by 11/06 they will have no option but to forward the case to their litigation dept with a view to commence County Court Proceedings. So just wondering if anyone has any advice. Do we ignore this? or do we need to take action? Thanks 
    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
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lowell advice


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its on every bill at the back bottom

 

Customer Excellence Team

Sandringham House

Sandringham Avenue

CHELMSFORD

Essex

CM92 1LQ

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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no

iwould suspect the OC defaulted you

 

when a debt is purchased

the buyers name replaces that of the OC in all instances.

 

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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lowell have bought my debts if they had any real chance of getting the money back surley they wouldnt still be waiting 3 years on.shouldnt i have been in court years ago or atleast had a doorstep collector and in my email there only chasing to of the debts.

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Debt purchase is a waiting game quite often, as debt is bought in bulk portfolio the companies work through them!

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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so sent cca to lowells on wednesday sent sar to shopping direct thursday.do i wait for lowells response before sending the acounts in dispute letter.and are they still able to send me payment request letters during this period?

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Lowlifes have 12+2 days to respond to your CCA request, until they do ignore them, when they fail to supply the info requested then send them the 'failed' letter, and ignore them, Any letters they send in the meantime or after, ignore them.

 

Allow 40 days for the SAR to come through.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

[ATTACH=CONFIG]44159[/ATTACH]sent 2 cca requests regarding 2 of the accounts lowell emailed me about.they were sighned for on the 15/5/2013.got this reply about 1 of the accounts today.just wondering whats my next step.they also took a snoop at my credit report on the 19th.

Edited by gobby009
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set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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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basicly this is the jist of the letter im having problems uploading it.

 

We have requested a copy of your credit agreement

Tharikyou lorcontacting usaboutyourcledtt agreemerit.We have asked your

original lender for a copy.

We will reply as soon as we can

We will do our very best to send you the information you asked for within 12

working days, but this does depend on when your original lender can send it. We

will let you know if we do not hear from them in time.

We’re here to help

In the meantime if you have any more questions we’ll be pleased to help you.

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so your advice is to send off 2 letters of accounts in dispute for the 2 accounts?

 

can you point me in the direction of the accounts in dispute template thanks.

 

are weekends counted in the 12+2 days to reply?

 

thanks for your speedy reply

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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

I make it Monday the 3rd June....12 working days from the day after they have received it..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It is very odd that they have not yet started to ensure they have this information prior to starting their "collection activities".

 

We have seen many Lowell threads where they have been unable to provide the information by way of set aside of Stat Demands - Court Claims being dismissed/discontinued.

 

If it is a mail order catalogue account, there wont be an agreement.. will there ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The problem is that with debt sold in bulk (hence the Lowell portfolio 1 trading style) there is only minimal data available!

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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  • 2 weeks later...

still no cca from lowells

havent sent a account in dispute.

 

got all the data shopdirect hold on me and

 

theres 1 cca signed by me for one of the accounts in 2010.

 

couple of hundred sheets of account papers

 

whats my next step to reclaiming the late fees and charges.

 

and im thinking lowell will end up with the 1 cca i got.

 

is there a template to send shop direct for the late fees and charges.

 

any advise will be appreciated

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spreadsheet

and penalty charges complaint letter.

 

cisheet at their in rate in cell d15

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

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

  • 3 weeks later...

got a letter from capquest today

 

saying despite several attempts to contact you you have not made us aware of any circumstances why your account has not been resolved.

 

as a result your account will be transferred to past due credit.

 

never had any corrospondence from capquest ever.

 

also got a letter from lowell on friday about an account i asked for a cca and they havent produced one.

 

saying they have transferred it to fredrickson.

 

so when frdricksons and past due credit send me a letter

 

 

do i have to send them a cca request aswell

 

even though i sent the cca requests to lowell.#

 

confused.com.

 

any advice would be appreciated

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Are CapQuest chasing the same account as Lowells? Or is this something different.

 

No, when Frederickson send you a letter you can now genuinely say to them that there is a dispute as Lowells have not complied with their obligations in response to your s78 request.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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not sure what account the capquest letter is for as there is only a reference number and no total amount owing.it says its for a shop direct account but thats all.thanks for the advice on the frederick situation.is there an account in dispute template letter.

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so crapest have a catalogue account of yours too them..

 

if lowlife have failed the 12+2 workings days deadline

 

fire off the failure to comply letter

and stop any payments

 

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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