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Bryan Carter / Shop Direct littlewoods account from 1994!!


Sassy4321
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Hi All,

 

 

im a new user to the site and im hoping someone can offer me some advice on a situation i am faced with at present.

 

 

Back in June of this year, I received a letter out of the blue from a solictors company called 'Bryan Carter'

acting on behalf of a company called 'Lowell',

 

 

they stated that i owed approx £1300 on a Shop Direct Account and

their letter was titled a letter of claim' saying they were going to apply for a CCJ if i did not pay or make a payment arrangement.

 

Not having heard of none of these companies,

i wrote them a letter back denying all knowledge of the company Shop Direct

and denying i owed the debt and asked them to send proof,

I received a reply from Bryan Carter saying that i should refer to my own records and statements from the original creditor ??

 

I was then advised by a consumer helpline to send them something called a 'CCA Request' a

nd a £1 postal order asking for a copy of the agreements made

and a copy of the statements for the alleged account,

this was sent at the beginning of August and until today i have heard nothing else from them.

 

Today in the post,

i have received a reply from Bryan Carter in relation to my CCA,

 

 

it states, attached is a summary statement in relation to the account in question

which was opened with Littlewoods in 1994

and this should satisfy the CCA Request,

then it says i have a week to contact them to make a payment arrnagement or further action may follow.

 

However, All they have sent me is a piece of paper from Shop Direct which includes the following:-

 

1, My Name and and account number (with No Address which it relates to)

 

2, A summary of payments made on the account (last payment showing as January 2009)

 

3, A Balance Summary,

 

4, A section saying that the account has had £600 insurance charged and £120 in charges ?

 

5, A section which says goods ordered in the last 3 years (which is blank with no info).

 

Now my Questions:

-I cannot recall ever having a Littlewoods Account or Shop Direct account,

i know i had a catalogue account many many years ago,

but this was all paid off as far as i know.

 

Does the above paperwork satisfy a CCA Request ?

 

I was told that they had to send a credit agreement ?

 

What else can i do, if im sure ive never owed money to these companies ?

 

What action are they likely to take if i dont contact them ?

or shall i send another letter asking for a copy of the agreement and address it was taken out at ?

 

Any advice appreciated as getting worried about this now. Many Thanks Sas

Edited by citizenB
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Hi sassy..

 

No, it isn't satisfactory - however there are some people who would fall for this.

 

I will try and find someone to advise further.. so hold tight. It might not be this evening.. all the caggers who advise in this section are volunteers so they will look in on you as soon as they can.

 

You MUST not under any circumstances telephone these people.

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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

 

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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I think what you need to do here, is send a prove it letter. Chances are when you contacted CArter and co, he has used your info to try and create a reconstituted agreement.

 

This guy and his company dont care about facts, All he cares about is getting money from people however he can. Thats why, when he is challenged, he runs a mile.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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is this on your credit file?

 

 

I bet not!!

 

 

and if you've not paid nowt in more than 6yrs, its statute barred

 

 

go away and fleece another mug carter

 

 

this one found cag.

 

 

pers I'd not be replying further

 

 

DCA's and their 'fake/tame' sols

are NOT BAILIFFS

 

 

and have

NO SUCH LEGAL POWERS.

 

 

you fellfor the threat-o-gram.

 

 

now you need to ignore them.

 

 

unless they issue a claimform.

 

 

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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Hi sassy..

 

No, it isn't satisfactory - however there are some people who would fall for this.

 

I will try and find someone to advise further.. so hold tight. It might not be this evening.. all the caggers who advise in this section are volunteers so they will look in on you as soon as they can.

 

You MUST not under any circumstances telephone these people.

 

Ok thanks all for your replies, I await your further assistance citizenb and fellow CAGgers, ill check my credit file and will update later today

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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

 

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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if you've already sent a cca request and carter has failed that

 

 

there is little oint in sending the prove it letter

 

 

neither is there any point in a cca failure letter.

 

 

until/unless carter finds the CCA

he knows full well any cour claim will FAIL>

 

 

pers I'd send nor do anything.

 

 

the only thing not to ignore

is if hes brave enough to issue a claimform

for a debt he holds no CCA for.

 

 

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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go get your credit file from noddle below.

 

 

make sure this is say not fraud

 

 

could be if you've moved?

 

 

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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