lowell chasing old HBOS Loan/preference Account 'debt' 10yrs old

[dizzee03]

Hi dx100uk just to let u know ive had two letters today from lowell and one about the sar, when i get home tonight i will scan all three letters up for you, if you dont mind having a look at them please, the sar is a letter saying i havent signed it and they want a signature, thank you

[dx100uk]

why are lowlife writing to you about the SAR?

 

 

that should be HBOS

 

 

dx

[dizzee03]

It was hbos that wrote to me about the sar, and two other letters from lowell, i didnt explain it to well! will be scanning the letters in half hr, just got in, will get them ready and scan them, thank you

[dizzee03]

Hi again first letter coming now from hbos regarding a signature

[dizzee03]

[ATTACH=CONFIG]55304[/ATTACH]

[dizzee03]

so that's the sar letter im going to scan up two more letters both from lowell, when this first started and they send me a list of my payments i asked them to send me the notice of assignment and i told them i was querying the amount on the debt, so this is the response to that.

[dizzee03]

[ATTACH=CONFIG]55305[/ATTACH]

[dizzee03]

[ATTACH=CONFIG]55306[/ATTACH]

[dizzee03]

hopefully they have come through ok,

 

 

i would be grateful for your advice as what to do next,

 

 

i didnt know i had to sign the sar,

 

 

also what do you think about the two lowell letters?

 

 

bit polite arnt they!!!!

[citizenB]

You will need to sign the SAR request to HBOS, do that as soon as possible and return it to them. Did they return your cheque/postal order as well ? If not, remind them, this is not a new request, but one which ahs already been paid for.

[dx100uk]

so what letter did you send on 21/12/14 that you didn't tell us about please?

 

 

before you came to cag?

 

 

looks like you shot yourself in the foot by lowells reply

 

 

what did you state.

[dizzee03]

hi,

 

 

the letter was before i got advice from cag

 

 

all it said was that i had received a copy of the cca request

and the statement of account that they sent and

 

 

i was getting it looked into because of the amount the debt was and the loan was for 2500 only, and

 

 

i asked for the notice of assignment as i didnt know lowell owned the debt,

 

 

so did i do wrong sending that letter?

 

 

it was when i got the requested cca request from them and

 

 

i didnt know what to do,

 

 

they knew i used to pay a £1 a month to hbos as they sent me the payment history which stopped in 2012.

 

 

Also about the sar

i thought i wasnt supposed to sign anything,

so do i resend the request with my signature on it?

 

 

they never sent my £10 postal order back?

so what do i do now about lowell?

 

 

i thought the cca was un-en?

[dizzee03]

Hi dx100uk i am getting worried now, im not sure what ive done wrong,

[dx100uk]

nothing really

but it would have been nice to have seen that lowells were already one step ahead of the advise we were giving.

 

 

luckily for you the agreement is un-en so makes no odds.

 

 

dx

[dizzee03]

To be honest i didnt realise the letter was relevant,

i sent it when this all started before i contacted the cag site,

 

 

i only asked for proof that they owned the debt (the notice of assigment) as i hadnt recieved one,

and when i told them i was getting a third party to look into it i didnt say who.

and they dont know that i had requested a sar,

 

 

i sent that letter on the 21/12/14 and only got a response today 10/01/15

i find that a bit strange especialy as ive had letters from lowells inbetween saying that i hadnt responded to their letters

when they requested payment from me,

i dont understand why that letter today came out the blue?

 

 

do i just ignore them still?

 

 

do i need to send a account in dispute letter yet or just do nothing and see what they send next?

 

 

also the sar to hbos do i just hand sign that and post it back to them?

 

 

lowells dont realy know anything or what advice ive been given from you,

 

 

ive followed your advice and listened to everything you have said and do apreciate your help.

[dx100uk]

let lowells run

all you got is the auto PC generated rubbish

 

 

and as for the letter from a person.

 

 

oh well let them wonder.

 

 

dx

[dizzee03]

ok so basically do nothing with lowell and just sign the sar and get that sent back to hbos?

[dx100uk]

let the fun begin

 

 

dx

[dizzee03]

ok will let you know when i get the next letter.

[dizzee03]

please can you confirm for me do i hand sign the sar and send it back? as they have written to me asking me to sign it due to data protection etc but im a bit wary of signing anything

[dx100uk]

you must sign an sar

 

 

dx

[dizzee03]

Hi,

 

 

ive signed the sar and will post it recorded delivery tomorrow,

 

 

i will let you know when i get any response from either lowells or the sar,

 

 

im not expecting to here from lowells for a month

as in the letter i scanned up it stated they are putting the account on hold for 30 days,

 

 

so when i do hear i will let you know,

 

 

thank you for all your help.

[dx100uk]

there is no real need to do anything recorded

 

 

use the free prof of posting at the PO counter

that's all the laws require.

 

 

dx

[dizzee03]

ok cool, i will do that,

 

 

what do you think the next steps will be with lowells?

 

 

i know you said lots of letters from their so called in house solicitors (blokes in different colored shirts!)

 

 

but with me ignoring them and them keep sending letters how does it ever get sorted out?

 

 

for example does it have to go as far as them attempting to take me to court a

nd then we throw in the cca un-en?

 

 

just was wondering what to expect to happen.

 

 

or do you think lowells know their paper work is pants and will eventually give up?

[dx100uk]

paperwork or not

 

 

Lowell/farter/bw etc might issue a claim

and then it will be blown out or stayed.

by the paperwork issue.

 

 

its their move next

not yours

 

 

lots of scary red letters I bet

 

 

oh and the blokes wear skirts not shirts

 

 

dx