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Lowell and CCA request barclaycard


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Hiya Guys

 

I have a case with Lowell for just under 16 grand. The details of which are as follows

 

1. They placed a default on my credit file for this and then I didn't hear from them for 4 years

 

2. They then started sending letters to my mums (I live in Switz)

 

3. I sent them a CCA request from my Swiss address.

 

4. They finally responded to that request after over 6 weeks saying that Barlcays cannot find the account in their archive

and they are putting my account on hold.

 

 

They sent the reply letter to my Swiss address so they have finally got hat through their heads that I dont live in the UK.

 

So I take that to mean there is no paperwork then.

 

 

Can I based on that get them to remove the default then?

 

 

Will they ever find the paperwork or is it gone?

 

 

Why would they buy debts without paperwork?

 

Cheers

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Hiya Guys

 

I have a case with Lowell for just under 16 grand. The details of which are as follows

 

1. They placed a default on my credit file for this and then I didn't hear from them for 4 years - no Barclays did when they sold it

2. They then started sending letters to my mums (I live in Switz)

 

3. I sent them a CCA request from my Swiss address.

 

4. They finally responded to that request after over 6 weeks saying that Barlcays cannot find the account in their archive

and they are putting my account on hold.

 

They sent the reply letter to my Swiss address so they have finally got hat through their heads that I dont live in the UK.

 

So I take that to mean there is no paperwork then.

 

Can I based on that get them to remove the default then? - sadly no paperwork does not equal removal.

 

Will they ever find the paperwork or is it gone? - they could

 

Why would they buy debts without paperwork? they all do to fleece people

blimey you've fallen for it for enough years

Cheers

 

 

its how DCA make free money to harass 10'000's more

 

 

we call it cash cowing.

 

 

dunno why you are bothering to pay if you are never returning to the UK

 

 

theres stuff all anyone can do to.

 

 

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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its how DCA make free money to harass 10'000's more

 

we call it cash cowing.

 

dunno why you are bothering to pay if you are never returning to the UK

 

theres stuff all anyone can do to.

 

dx

 

Pay? Where did I say I was paying it?

 

 

My question was if they have no paperwork there cant be a default can there?

It's my last debt and will be statute barred in another 12 months.

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It'll auto drop of your files on its six birthday, if its been on there for the past five years, one more won't make a scrap of difference.

 

It's just the level of maturity you have to expect from these powerless DCA's, as they can't enforce this in court, because they were dumb enough to buy a lemon without checking the enforceability of it, then they spit their dummy out and trash your CRF.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Pay? Where did I say I was paying it?

 

 

My question was if they have no paperwork there cant be a default can there?

It's my last debt and will be statute barred in another 12 months.

 

 

just because there is not paperwork sadly is not the answer to a default being removed.

at one point there obv was paperwork

 

 

you are not paying it so no skin of your nose

 

 

on the defaults 6th birthday it will vanish as BB says

 

 

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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