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    • Thanks dx100uk.   Not sure that I completely understand your reply, that said, thank you for taking the time to reply.   I did follow your link to the GDPR thread and Subject Access Requests. I can't remember if that was the term that the ICO used.    I am not sure that it would have been a SAR, my bank didn't insist that I apply in writing and ultimately it wasn't my bank that was being obtuse.   Then again, it may well be the case that the guy at the ICO did indeed use the term Subject Access Request. As I said,  I got a call from a 0300 number and decided to answer it, half in the expectation of it being a spam call.   So is SAR a direct consequence of GDPR? If yes, it is ironic that I am using to circumnavigate Lloyd banks flawed interpretation of the Data Protection Act.
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    • Does your claimant commitment state to update journal or job application section of your account to provide the evidence?   If not, then written or even verbal would suffice. If the commitment isn't tight enough to state where to put your evidence then there is nothing they can do.
    • The onus is on the claimant to claim correctly. 15p or £2 over the limit is still over the limit.   You mention an alowable expense, where does it state uniform is allowable, it's normally travel, care fee's or pension contributions. Normally uniform is provided by the employer, so the DWP tend to ignore this.   Yes she will get a letter regarding paying it back, but she is lucky she isn't facing a fraud case.
    • Pardon late reply, had a busy last few days. I will make enquiries to the Council or Valuations Agency tomorrow when they are open.   I am a little apprehensive about getting the dentist involved although I wasn't warned about the new parking system at the time.   I have photos but will need to reduce the mb size of them as 4.5 mb is maximum upload on here. They will also need editing to blot out reg numbers etc.   I was given 28 days from CE to cough up after the POPLA decision and that will expire in a few days time. I intend to take this all the way and to save further action [e.g. debt collectors with the £100 rocketing to the thick end of a Grand]   write to CE and tell them take me straight to Court as all letters will be ignored.    There are 2 photos from my evidence previous post [Docs 1 pdf 2.81 mb] First is the view I had approaching car park to the right, this differs enormously from google street view.   Even with just 1 car in the carpark can you see any signs ? There is a small road sign in that photo too that was left behind following the roadworks and temporary traffic lights that hid the sign at the front.   Second photo is a view from where I parked no wonder I did not see it, in fact the angle is worse viewing from drivers seat as the pole is in line with the tree
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robesac

Letter of Claim from Lowell Solicitors old sygma credit card

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Hi, Looking for help and advice.

 

Some years ago I took out a credit card in store with Sygma Banks UK. (guessing around 7 years ago)

 

Having fallen on hard times due to chronic depression and anxiety attacks I was retired from work on ill health grounds about 5 years ago and came to an arrangement with Sygma to pay £5 pm.

 

The Account was then sold to Moorcroft Group and then on to Lowells.

I maintained the repayment until just over 3 years ago and have paid nothing since.

The balance listed is £1235.

 

Apart from the occasional letter asking me to get in touch and a heap of telephone calls which I haven't answered (number now blocked) I have heard nothing from them until recently and

 

 

I have now received a letter of claim from Lowell Solicitors stating that unless I contact them or make arrangements to pay within the next 14 days, a claim will be made against me in the County Court Bulk Centre without further notice incurring extra fees such as interest and costs.

 

My credit file is clear except for a closed account for Lowell which will be 6 years old in November this year.

 

The original agreement wasn't signed at the point of sale as I remember them sending me another form though the post a few weeks later to sign. I can't remember any further details though.

 

I'm pretty sure the original application was ticked to have PPI insurance although it wasn't taken up on the agreement form. I mention this due to my ongoing illness in case it might be relevant.

 

The only paperwork I have now is the letters from Lowells.

I don't have the money to pay it although in full.

 

If it's at all possible I would like to protect my credit file.

I was thinking of just setting up a standing order of £5pm which was the original payment plan and ignoring their letter. Is that likely to stop court action.

 

If protecting my credit file is not possible then I'm thinking of ignoring them and taking the CCJ on the chin and waiting for 6 years until it expires.

 

Any advice on how to proceed would be very welcome.

Thank you in anticipation.

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youve been cash cowed and they got greedy and decided to go to court.

 

Sit tight, and the regulars will be around to tell you your next step


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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read the letter properly

I doubt it actually says WILL anything.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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oh and it was probably defaulted more than 6yrs ago so has been removed and cant comeback.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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It does say "a claim WILL be made against you in in the County Court Bulk centre without further notice"

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lowell say a lot of things and are litigious. Just because a claim gets made, doesnt mean they will win. Infact almost all their claims are based on unenforceable debts. They just rely on debtors having total lack of knowledge on how to defend.


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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Also if they are successful in getting a CCJ I assume that would appear on my credit file.

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scan it up please to pdf

follow the upload

 

 

and we'll teach you how to read them properly

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Also if they are successful in getting a CCJ I assume that would appear on my credit file.

 

Thats a LONG way off and Any legal action by lowells is easily contestable.


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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Sorry for the delay. I am trying to upload a copy of the letter but so far without success even following the instructions above

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Ok. First response to them. CCA them. Stop them in their tracks. Do it first thing tomorrow and if they cant produce a valid agreement ( they very likely cant), then they wont get any CCJ against you.

 

Meanwhile sar the OC and get reclaiming all the charges.

 

Lowell are chasing hoping you dont find out the truth about the debt. Its very likely theres a bunch of charges to reclaim, and/or they wont get the CCA, even though it was fairly recent.


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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Thanks, I ill get the letters away and post the results or lack of them in here.

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in eh?

which one?

many sigma cards were 'badged' so let us know

as the rep that sold it to you [did you get button-holed or took it out to pay for a store item on tick]

got a healthy bonus for selling the PPI I bet you have on it,

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I think the card was originally obtained via JJB sports to purchase a treadmill.

There won't be any PPI or fees included in the balance as I'm certain there was no insurance on the agreement and I contacted the company directly when my finances collapsed and they agreed to stop interest and fees.

Up to that point it was paid as per the agreement with no late or missed payments.

I was away all day yesterday so sending the CCA request and SAR today.

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Remember, CCA to lowells, SAR to the OC


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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Hi and thanks again for the previous advice given.

 

I sent a CCA request to Lowells on 25th May

 

 

around 2 or 3 weeks later I received an acknowledgement stating that they are in receipt of my letter and will put further action on hold until they receive a copy of the CCA from Sygma.

 

They are obviously well outside of the timescale for providing the information but unless someone advises otherwise, it seems prudent to let sleeping dogs lie.

 

I didn't send a SAR as I don't need copies of statements and Lowells should provide a copy of the CCA if one is available.

 

 

TBH I didn't know what else I should be asking for.

 

Thanks again.

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you DO need copies of thestatements IF you don't already have them

and more importantly you need a copy of the Account/comms log.

 

 

get it running.

 

 

the SAR is nothing to do with lowells and they wont know about it.

so even if sigma do hold the CCCA, you keep quiet.

you need to read up about how DCA's work.

 

 

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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I have received a similar letter today and I am wondering how you have gotten on with your requests for the CCA and what is the outcome so far please, before I submit my CCA request

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threads very old

you need to start a new thread

of you OWN

you wont get seen here

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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