Lowell chasing Cat 'debt'

[concorde]

Hi all, on or about the 9th March my stepdaughter sent a CCA request to lowells it appears that on the 18th March the debt was passed on to bpo collections, are they allowed to do that? when a request for a CCA has been made.

 

Regards

Concorde

[AndyOrch]

Hi all, on or about the 9th March my stepdaughter sent a CCA request to lowells it appears that on the 18th March the debt was passed on to bpo collections, are they allowed to do that? when a request for a CCA has been made.

 

Regards

Concorde

 

Yes

[dx100uk]

same group anyway

so they've not passed it anywhere.

 

 

whats the debt all about?

[concorde]

same group anyway

so they've not passed it anywhere.

 

 

whats the debt all about?

 

It is a catalogue (JD Williams). As they are now in default of the CCA request should a follow up letter be sent to BPO as they now have the debt?

[dx100uk]

nope

let it run

 

 

dx

[concorde]

nope

let it run

 

 

dx

 

Thanks DX, she will no doubt get more letters from them.

[renegadeimp]

Let them send letters. They can do bugger all while in default of the request. Lowells know this, but will continue to try and bluff you.

[concorde]

nope

let it run

 

 

dx

 

Hi DX, guess what!!!!

after sending a CCA in April they have just decided to send the awaited agreement only 3 months late.

 

The so called agreement they have sent has been completed by someone else

and there is no customer signature on the so called agreement.

 

I have noticed a paragraph in their letter,

please find enclosed a reconstituted ''True Copy'' of your credit agreement along with the current terms and conditions applicable to your account, to which you agreed.

 

When responding to a section 78 request, a lender does not have to provide a photocopy

or other literal copy of the executed agreement not provided a copy bearing

or some other proof of the customers actual signature.

Does my stepdaughter just ignore this letter.

[martin2006]

When was the account opened?

 

Before or after April 2007?

 

This is critical to what they are saying

[concorde]

When was the account opened?

 

Before or after April 2007?

 

This is critical to what they are saying

 

It was opened in March 2012.

[dx100uk]

can you scan it up to PDF please

[concorde]

can you scan it up to PDF please

 

No sorry DX I am not able to scan the agreement.

[AndyOrch]

No sorry DX I am not able to scan the agreement.

 

Photograph it with your Phone or Tablet ?

[concorde]

Photograph it with your Phone or Tablet ?

 

Sorry Andy but I am unable to do as you suggested.

[concorde]

can you scan it up to PDF please

 

Hi DX, I am not able to scan the agreement. I will have to try and take a photo.

[concorde]

Hi DX, I am not able to scan the agreement. I will have to try and take a photo.

 

I have 2 pics, how do I insert them please.

[AndyOrch]

**you can post up images/letters by this method immediately. You don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use http://www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD -mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

Courtesy of dx100

[concorde]

Hi Andy, I hope you manage to get the files ok.

return.pdf

[AndyOrch]

Your name is still showing on both documents...unapproved.

[dx100uk]

ok i'll deal

 

 

dx

[dx100uk]

ok done

wheres the rest of it.??

 

 

is that your writing where your details are?

[concorde]

ok done

wheres the rest of it.??

 

 

is that your writing where your details are?

 

What I have sent is exactly what my stepdaughter received. The details DX are exactly as she received them, a child could have written that in. There is no rest of it, a covering letter and the so called agreement .that is it.

[dx100uk]

urm so no promised statement either.

 

 

sorry but I don't think any judge

would allow some fleecing dca

to scan a blank agreement

insert details in pen on it

and claim that to be an enforceable CCA.

 

 

dx

[concorde]

urm so no promised statement either.

 

 

sorry but I don't think any judge

would allow some fleecing dca

to scan a blank agreement

insert details in pen on it

and claim that to be an enforceable CCA.

 

 

dx

 

I will have to ask my daughter about what may be missing, is that important DX? If she has anything I will send a copy.

[concorde]

Yet another letter from Lowell re JD Williams debt. Please contact us with your repayment proposals.

 

Your documents.

 

You previously requested documents under sections 77/78 of the cca 1974. JD Williams have provided o copy of the documentation, which we will send under separate cover. This fulfils our obligations under the cca 1974.

 

DX, I thought that when requesting a cca they had 14 days to respond to the request, has this now changed?