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    • Yes owners of the debt can issue a UK court claim if you reside in the UK, subject to UK court procedures, so can defend the claim. 
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leedspete

Lowell and littlewoods shop direct with a default notice - is court next?

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So do a SAR to littlewoods

 

Yes SAR always goes to original creditors.


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Havent sent sar yet but lowells are now threatening DCA and are calling all day. Is there a need for me to get worried yet

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do nothing until or unless you get a PAP letter of claim.


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I have now received a letter stating that my account is now with lowells solicitor and will upload it asap.

 

Here is the letter sent. Hopefully i have edited it okpete 003.pdf

Tried again

pete 003.pdf

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do nothing until or unless you get a PAP letter of claim. from their solicitors.

 

 


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Pre Action Protocol forms 

 

Read the following use our forms not theirs and follow the instructions.

 

https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/

 

 

Andy


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Am i disputing the debt due to the signature

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Interesting to see that they have sold the account after termination, which is correct, but they say nothing about a section 87 default notice.

 

You still have this you say. If any goods purchased are still within there payment term the DN should not ask for the full amount, just arrears, payment of this would remedy the breach. Worth a look. They cannot terminate if the DN is defective.

 

A signature is not required in a copy, v unlikely to win an action based on the absence of one of these in any case..


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did you ever send that SAR to shop direct?

 

 

On ‎13‎/‎04‎/‎2019 at 21:30, leedspete said:

Am i disputing the debt due to the signature

I wouldn't put that no.

simply put..

incomplete/unenforceable documentation


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Ok I really appreciate the help given. Can i send sar in letter back to lowells or do it separately? 

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who has said sar lowells?

 

dx

 


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This arrived this morning and i need guidance on what to do next

 

Thanks

output (3).pdf

 

I am confused was i suppose to send cca request to lowells or creditors.

 

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Hello Leedspete ,

 

one of the sites admin will answer your question in regards to your CCA .

 

Nibbles .

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topic tidied

 

have you a copy of what you sent them [the PAP reply form] please

yes ideally you should have sent a new CCA request as the last one was a while ago and I cant see the lowell return PDF on that now its gone


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I dont have a copy of the pap form unfortunately. Ok so i will send a new cca request to lowell. Have sent sar request to shop direct as well. 

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oh dear you must always keep a copy of anything you send fleecing lying dca's as if this gets to court

who's to know they've not modified it to their advantage..and use it against you..

 

glad you've finally sent that sar..only been repeatedly asking that since July 16, 2016

 

you've been here since 2008...you are making far too many schoolboy errors

 

you MUST start to self help yourself.


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

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not a CCA just info on account


:mad2::-x:jaw::sad:

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pdf now in post#74

 

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

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So is there anything on the cca that is irregular and that I can challenge 

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Sorry to be a bother but is there something I am forgetting to do.

 

Sent sar request but no response yet from shop direct.

 

Do I need to resend or not?

 

Just worried as this will soon be in court apparently

thanks

pete

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