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    • ah the old lowells pre school letter did they use the red crayon too?   you cant CCA a mobile debt its not credit so not regulated by the consumer credit act.   cant be far off being 6yrs old surely now? what date is the default on your credit file? have you moved from the address you took this out at?  
    • its better you put letters up as a PDF please  read upload that way you have to be a member to download them and we can see if the enemy are looking at your thread.   but anyway yes ofcourse you ignore that its nothing more than a threat-o-gram.   I could recommend a washing powder to my wife if she buys it or even listens to me is a totally different matter
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    • Hi all    Long story short, I am South African living in the UK for the past 6 years.   Roughly 4 years ago, I went to Thailand for a 3 month holiday. That was cut short due to O2 taking money out my account including clearing out my overdraft, roughly £2200.   At the time I had no idea it was O2. I thought I had been robbed.   Any way turns out, there is a overseas tariff for using your contract overseas?! I never knew about this, nor was I told or sent any updates regarding my usage in Thailand.   The total bill they say was £8000 and some change!!!!! I cancelled my contract, with immediate affect and said I was not going to pay this. They then sold there debt to Lowell's.   I have asked for a CCA, unfortunately I did it by email! Not sure it's still valid if it's done by email?   I got a response saying, they received my email but unfortunately they need me to send my name address etc. Which I refused as worried it would make me look like I acknowledged the debt!   Since then I have heard nothing, until today.   I got a letter of pre legal assessment.   Now the question/questions are. What do I do? Do I send a written letter requesting the CCA again or do I not?   Worried if I ask again then this will give them more time to acquire the CCA request.   I need this out of my life, as I am wanting to buy a business next year. I am worried as it's reflecting on my credit score. This has been a nightmare.   Any help would be greatly appreciated. 
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London1971

Capquest Shop Direct Agreement

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or +14 days which is the earliest they could call the debt in.


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So being pessimistic and if I receive a PAP this week in the post, giving me 30 days, and after that a Claim Form giving me 33 days that would take me past the 29th July.  Have they left it too late?

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issuance of claimform halts the sb clock from ticking


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4 hours ago, London1971 said:

So being pessimistic and if I receive a PAP this week in the post, giving me 30 days, and after that a Claim Form giving me 33 days that would take me past the 29th July.  Have they left it too late?

 

If a claim is issued anytime from August ...yes

 

Andy


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Thanks Andy

 

I don't really have any defence on this, unless it becomes statute barred, as the CCA all looks compliant. If a PAP letter comes through would I be crazy to try and negotiate a settlement with Capquest?

 

 

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Is everything else in order....?  Default Notice...balance claimed ?


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I calculated all the charges from the SAR from the OC, and ran it through the interest calculator, turns out there is a few hundred to potentially be reclaimed. Wouldn't that be for me to claim from the OC?

 

Also,  the SAR says that the DN was sent out on 15/7/13.  However Capquest have not provided that as part of any request? Is that something that they need to do?

 

Otherwise, even if I have to pay the full amount it's not really a problem for me anymore, and a small price to prevent a brand new CCJ ruining my chance of remortgaging in the next 18 months.

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The DN plays an important part of any intended claim.....but did you receive one ? not whether Capquest can provide one...a DCA can barley provide anything.

should a claim be issued you put the claimant to strict proof submit a defence and test they have all the necessary documents...and still pay the amount demanded by request date and avoid a CCJ if they can disclose all the nessessary...dont jump in too early.


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Thanks, that makes a lot of sense, I will sit tight and wait to see if anything comes through.

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