cap one/lowells CCA +V6 T&C's

[dx100uk]

did you send them a new CCA request

or are those the old CCa return t&C's?

 

 

dx

[lills66]

I just told lowells that account in dispute with cap one. Shall I cca lowells. I'm sure a long time ago cap one said they didn't have cca.

[dx100uk]

yes a CCA request is a must

 

 

blank £1 PO

 

 

don't sign the letter

 

 

dx

[lills66]

Thanks dx

[lills66]

Hi, finally got response from second cca everything sent same as before and asking for all of the amount now. Where do I go from here?

[dx100uk]

so as post 29?

 

 

dx

[lills66]

They say £15.00 I'm sure in 2002 weren't charges more than that?

[dx100uk]

yes I'm sure they were £20 or even £25+

 

 

lots of other T&C's in cap1 threads here

 

 

dx

[lills66]

I'm wondering where we go from here?

[lills66]

Hi, I think I've uploaded paperwork from lowells can some one look to see if enforceable and where I go from here? TIA

[Old Cogger]

usual response, answer is = Prescribed terms not present at inception = which would make it unenforceable? imagine all the prescribed terms on the back of that bit of so called paper? sure others will comment also??>?

 

This is a pre-2007 so called agreement.

[lills66]

so do I ignore or play the letter game? TIA

[lills66]

Morning, do I ignore now with what lowells have sent regarding my CCA. or do I say they haven't fulfilled my request?

[lills66]

Hi,

 

 

Can anyone recommend the next step please

 

 

I'm dealing with this for my husband

 

 

he's been diagnosed with an illness before Christmas so life is stressful.

 

 

this becomes SB in November

 

 

would like to hold off this going any further.

 

 

I would like to be prepared for the next step.

 

 

any help is vey much appreciated!!

thanks.

[Old Cogger]

Prescribed terms not present at inception same as the rest of us = unenforceable - one of the new begging letters?

[dx100uk]

don't reply

 

 

nothing much you can do its their call.

 

 

dx

[lills66]

Thanks Mike & DX. Waiting Game then.

[theoldrouge]

to clarify, charges from 1/4/2002 were

 

late or failure to pay £18

returned cheque £15

overlimit charge £18

returned credit card cheque £15

foreigen currency conversion fee 2.75%

 

poor try lowells:-)

[lills66]

Hi All, just an update Lowells have reduced the amount by 500 pounds do we still sort of ignore or do I respond with no CCA?

Thanks

[theoldrouge]

they havent complied with your s78 request, the "agreement" is missing the prescribed terms, as related to your signature

 

so in breach of s61, as it stands

 

I would continue to ignore

[dx100uk]

so you want to be chased for another 6yrs 'because' they are literally begging for some kind of money?

 

 

dx

[lills66]

Thanks I will ignore

[lills66]

Hi , failure to respond letter today may result in further action. Do we sit back and ignore and try and enjoy the bank holiday TIA

[Old Cogger]

All the Mays/ifs

[dx100uk]

ignore

 

 

until/unless you get a claimform now