Lowells Shop Direct Signed CCA Received

[merv7419]

Good morning all

 

Have been an avid reader of CAG for some time. I currently have an alleged debt with shop direct which is being dealt with by Lowells.

 

The debt is for £2k+

 

I have read the guides and templates available and sent a CCA request to Lowell's in November.

 

I finally received 2 signed documents. You can see on one document the key financial info is set at £36.

 

The other document Is signed and the account number is the same as the first document.

 

Note that the dates are different so the documents were not signed together.

 

Any help or pointers would be greatly appreciated.

 

Many Thanks

Edited January 27, 2019 by merv7419

[dx100uk]

Fixed loan?

Bogroll anyway wheres the rest of it??

 

Last payment date?

[merv7419]

Hi DX

 

Thanks very much for your reply.

 

It would have been a Very/Littlewoods account where the credit limit was periodically increased.

 

Well spotted, I didn't see the fixed loan sum at the top.

 

There is another copy of T&C's in the pack with no signature, just a printout which I can upload if needed.

 

Last payment appears to be September 2017

 

Forgive my vagueness, the accounts are nearly 10 years old.

I cant remember what was signed for or why there's 2 signed credit agreements.

 

Would you say these are enforceable for £2k when the agreement indicates fixed sum at £36?

 

Many Thanks

[dx100uk]

no their reply is woefully incomplete

 

wont hurt to send shop direct an sar either.

 

dx

[merv7419]

no their reply is woefully incomplete

 

wont hurt to send shop direct an sar either.

 

dx

 

Thanks again DX

 

I've found templates for SAR requests which is great.

 

Would you mind pointing me in the right direction for a template rebutting their claim?

 

I am currently on Pre-Action Protocol with Lowells.

 

Thanks for your help.

[dx100uk]

you mean you have a pap letter and a response pack?

 

dx

[merv7419]

Timeline is:

 

Most of 2018 - Ignored letters of threat

Oct 2018 - Received Letter of Claim with 30 day deadline to avoid legal action. This contained a reply form asking for financial statements/outgoings etc.

(Not sure if this officially qualifies as PAP but it looks like it to the untrained eye)

Oct 2018 - I sent CCA request to Lowells.

Jan 2019 - I received the signed copy agreements uploaded above.

 

No court action as of yet.

 

Thank you

[merv7419]

Latest letter from Lowells

[dx100uk]

Let it run

[merv7419]

Hi DX

 

Would you mind outlining a point which would render this agreement un-enforceable please?

 

I have been told elsewhere that it is enforceable and I don't really know what to do at this stage. I'm worried about letting it run without an encouraging nudge in the right direction.

 

Many thanks for your time.

[dx100uk]

now go read post 4

[merv7419]

SAR sent

 

Will update