Lowell - No CCA or Statement of Account

[bulletfoss]

Hi All,

 

Lowell have approached me with an account for which I supposedly owe money.

 

The alleged debt is from 2011 and is a Provident Home Credit loan for about £800.

I lived at the address in question at the time, but I have no recollection of taking this loan.

 

Lowell told me that payments were made onto the account for a few months and then stopped.

 

I told them that I neither accept nor deny having taken the credit, and that I would like to see the a copy of the credit agreement and a statement of accounts to date.

 

I told them that I would then be able to confirm whether this is something I have overlooked, or if it is indeed false/fraudulent.

 

Lowell sent me a later saying:

"Due to the amount of time that has passed, the credit agreement and statement of accounts are no longer available for this account."

 

But they also go on to say that I still owe the money and still need to pay?!

 

Where do I stand with this? Advice is much appreciated.

Thanks!

[dx100uk]

until/unless they find a signed agreement

you ignore them

 

 

a DCA is not a bailiff

and have

NO SUCH LEGAL POWERS.

hope you are not doing this by phone?

 

 

dx

[bulletfoss]

until/unless they find a signed agreement

you ignore them

 

 

a DCA is not a bailiff

and have

NO SUCH LEGAL POWERS.

hope you are not doing this by phone?

 

 

dx

 

I did ask for the agreement and statement over the phone. They replied in writing with their statement in my OP.

I won't phone them again.

 

They have put my account on hold for 30 days, what should I do next?

Thanks!

[dx100uk]

as post 2 then

[bulletfoss]

as post 2 then

 

Is there anything I can do to stop them chasing me unless they find that information?

 

I don't want to be called every week with the question..

"what are your intentions in relation to this account?"

and I don't want to receive letters anymore.

[dx100uk]

they are entitled to ask for payment

you are equally entitled to ask them to go away.

 

 

best way is simply ignore them..

until/unless they honour your CCA request

 

 

they know the score.

 

 

dx

[martin2006]

Send lowells a CCA request with the £1 fee and wait 12+2 days

 

After that if no agreement is produced all they can do is ask for payment and all you need do is refer to the outstanding request or completely ignore unless you receive a claimform

[bulletfoss]

Send lowells a CCA request with the £1 fee and wait 12+2 days

 

After that if no agreement is produced all they can do is ask for payment and all you need do is refer to the outstanding request or completely ignore unless you receive a claimform

 

Surley if they don't have a copy of the agreement and cannot prove that I have taken the credit, then they cannot process my information under DPA rules?

[dx100uk]

sadly doesn't work like that.

 

 

dx

[martin2006]

Non production of the agreement doesnt mean the alleged debt is gone, it just means they cant prove a debt is owed to a court, they can and do still ask for payment, you can ignore those requests