lowell letter gratten catalogue debt

[BRIGADIER2JCS]

Personally I would advise checking credit reference files for this debt before sending any letters at all.

How exactly have Lowell change the rules re the CCA request, this could be very important!!

[BRIGADIER2JCS]

Ok if this has happened e.g. Lowell has quoted 40 days for a CCA request I suggest the following letter, this is entirely a complaint about the CCA request do not mention the alleged debt.

 

 

Private & Confidential

Ms Sara de Tute

Director of Legal & Compliance

The Lowell Group

Enterprise House

1 Apex View

Leeds

LS11 9BH

 

 

Date.....

Ref: use the one on their letters re CCA.

 

 

Dear Ms de Tute,

 

 

Formal Complaint/cc. OFT/FCA

 

 

I refer you to my lawful request for information made under sections 77/78 of the Consumer Credit Act 1974 (as amended) dated xxxxx.

 

 

 

 

Lowell's response stating that it will comply within 40 days is as you must be well aware totally wrong the provisions laid down in CCA 1974 allows 12 + 2 working days for compliance with the request.

Perhaps staff dealing with such matters as CCA request under CCA'74 and Subject Access Requests under DPA 1998 should be better trained on the provisions of the Acts.

 

 

The account to which this request is formally disputed

 

 

I require Lowell to comply with my lawful request within the statutory time limit all else is unacceptable.

 

 

Take note no part of this communication is a admission of liability to the Lowell group.

 

 

Recorded/signed for post. check receipt

[BRIGADIER2JCS]

Lowell have a tendency to issue SDs as a means of intimidating debtors when they have no intention of following up on the BR process.

 

 

They are usually pretty quick to issue if they have enough data to try it on.

[BRIGADIER2JCS]

Should Lowell attempt to issue a statutory demand in this case it would be irrefutable proof that they do so

purely as a method of intimidation with no prospect or intention of continuing the process to conclusion.

 

 

This would of considerable discomfort to Ms de Tute et al I think.

[BRIGADIER2JCS]

Brig... I think they still do issue them out even when people aren't homeowners

 

 

Yes they do issue even when they are aware there are no assets that are realisable in BR.