Lloyds old credit card debt - been paying £1PCM to lowell since 2006

[w1n3pd]

2 YEARS AGO I STARTED PAYING THE LLOYDS TSB CREDIT CARD WHICH ARE NOW CLAIMED BY LOWELL.

 

 

 

I STARTED DEFAULTING ON THEM IN 2006. I AM NOT SURE WHETHER I ASKED for a CCA file or not but all of their correspondence mention the original creditor name. So far I have been advised by DX to send them a CRA file. Which I shall do as soon as my printer is fixed.

 

A new development is that none of these appear on my Equifax credit file anymore. Do they still have enforcement powers as I have been paying them a statutory payment for each account. They have offered discounts in the past.

 

What should I be doing meanwhile, apart from sending the CCA file? And while I am sending the CCA file, should I keep paying £1? And also should I ask for one CCA file for all of them or separate? In the past they have sent me letters with all three debts mentioned on one letter.

 

LOWELL HAS SENT ME LETTERS OFFERING DISCOUNTS. I am just worried if I do not send them the £1 payments then they might do the traces on my file. They have been hiring McKenzie Hall to do the traces on my file. The last one was done in April 2012. Nothing appears after that. Let us suppose that they do not comply to CCA then how come they had the powers to do searches on my file?

 

Thanking you in anticipation.

[dx100uk]

discount letters normally = a dodgy debt

 

send them a cca request

 

dx

[w1n3pd]

Thanks, will do. Discounts by lowell were after i started paying them, i have not yet found letters where they offered discounts before i started paying them.

 

Shall keep you posted after the cca development.

[w1n3pd]

Thanks, will do. Discounts by lowell were after i started paying them, i have not yet found letters where they offered discounts before i started paying them.

 

Shall keep you posted after the cca development.

 

 

 

Have sent now. I guess now I have to remind them on 17th of July 12+2. Is there anything I should be doing meanwhile?

 

 

You think I should also send them an email telling them what I have done?

[dx100uk]

12+2 working days.

 

you don't need to tell them

 

dx

[w1n3pd]

thanks, I shall now wait on this one.

 

once again, grateful for the guidance.

[renegadeimp]

2 words. Cash cow.

[w1n3pd]

Hello All,

 

I have just received a reply from one of the HCW/Lowell Portfolio address that I had with me. The answer goes like this;

 

 

''WE return herewith a letter received from you and would advise that we are unable to trace any of the referenced lowell, lloyds, capital one and HBOS accounts on our system. We have traced a Thames water utility account for you at the above address. However utility accounts are not CCA regulated and your request is therefore invalid for this account.''

 

 

 

I had also written to their Leeds offices and waiting to hear from the. At the above address I had sent them three letters together with £1 fee.

 

 

Still waiting to hear from other offices.

[w1n3pd]

I have not received any reply/confirmation from Lowell on this one, should I send them a letter of dispute as well, like the one you recommended on other post?

[dx100uk]

so they are saying they hold no info on the debts you have been paying them money for XXXX yrs

 

dx

[w1n3pd]

if silence is considered half yes then yeah. Do you think I should bother sending them a letter. Also do you think I should cancel all my standing orders?

[dx100uk]

if you are making payments to them on those debts you have written to them about & they are saying they hold no info about any of them, then YES stop payments to them.

 

they'll soon wave their arms around if they don't like it

 

them we'll deal with that as/if it happens.

 

when the dust settles, if this is the case, that you've been paying them money for nothing...WHRE HAS IT GONE!! I WANT IT BACK!!

 

dx

[w1n3pd]

Fantastic, I shall cancel standing orders tomorrow and also send them the dispute letter you recommended earlier.

 

Thank you.

[dx100uk]

pers I wouldn't bother.

 

who was the standing order made out too?

 

dx

[w1n3pd]

Th standing order was made out to DLC directly.

[dx100uk]

so dlc should be the target of a cca request

 

dx

[w1n3pd]

I have already sent out the CCA letter to them as you had advised through first class post to which i have the proof as well on 5th of July. 12+2 days have passed and I have not heard any reply.

Edited July 20, 2013 by w1n3pd

[w1n3pd]

just today I sent the Dispute letters recorded for this one.

 

Will keep you posted for any developments.

 

Just wanted to say how grateful I am for the guidance.

[w1n3pd]

Hello,

 

Further to a letter received from them, please see attached, that denies receiving my initial CCA request altogether. I am planning to write the following through the email.

 

 

Dear Lowell,

 

 

Dear Lowell,

 

 

I find it very convenient that while you shall acknowledge some of the posts that I sent to you while denying the others that I sent to you on the same day, through the same post office. I attach the proof of postage for original CCA herewith for your perusal. Kindly update your records accordingly, the initial CCA request was launched on 5th of July 2013 and you had 12+2 days to reply. As you never replied to my original CCA request as per the law I sent you a dispute letter which also acted as a formal complaint letter on 20th of July through recorded delivery which you have acknowledged in your recent correspondence.

 

Therefore, as per subsection 78(6) I shall wait 21 days from my letter of dispute and provided within this period you fail to furnish any valid documentation as per my request initiated on 20th of July, I shall hope to receive no more harassing correspondence regarding this account as you would not be able to enforce this debt. May I remind you that I reserve the right to report your actions to any such regulatory authorities as I see fit.

 

 

Sincerely,

[w1n3pd]

Here is a further update on this case. Its a very good news. I have now 2 out of 5 cases to resolve. One for DLC and other for Arrow Global. I am indebted to you guys as ever.

 

I received the attached on Friday last week. I am indebted to you guys for this. I owe this website and the people here a lot. Hopefully you guys shall accept my gratitude on my next pay day.

 

Thanks.

 

I am now excited about your advice on my other matters that I opened on this website.

[dx100uk]

and another fleecer bites the dust

 

dx