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anna1980

Problem with Lowell and old Oakam loan

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for the purposes of the SAR you have to prove new residency should you have moved since last updated address in writing to whomever you are now sending it too.

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for the purposes of the SAR you have to prove new residency should you have moved since last updated address in writing to whomever you are now sending it too.

We will write letter to Oakam informing that he has moved since 2013 and we will include printed copy of Council Tax. Should we add copy of his picture ID or not?

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If the creditor wants proof of identification, they may ask you to send in photographic ID, which is normally either a copy of your passport or driving licence. If they want proof of name change, the relevant documents are normally a copy of your marriage certificate or deed poll documents – however you changed your name.

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I have sent photo ID to Oakam and now waiting for reply.

I wonder what will Lowell reply to us. Long waiting 

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We have received reply from Lowell. it looks like they don't have papers, they requested documentation from Oakam.

image2.pdf

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Lowell replied:

We have requested the required documentation from the original client Oakam ltd. with regards to your request for a copy of the deed of Assignment, please be aware that we are not obliged to provide this document to you. Due to the nature of our business, accounts are purchased in bulk and as such this document would contain sensitive information relating to other customers accounts.

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Did you send a letter with regards to the Deed Of Assignment? Or did they send you a template response I wonder... 

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4 minutes ago, fkofilee said:

Did you send a letter with regards to the Deed Of Assignment? Or did they send you a template response I wonder... 

My template had request for Deed of Assignment.

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from debt collector advice website, not sure which one.

Is that something wrong?

 

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yea that's freeman of the land twaddle site

stay away from those it only leads to more trouble as they think you are a mug to follow that stuff.

 

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4 minutes ago, dx100uk said:

yea that's freeman of the land twaddle site

stay away from those it only leads to me trouble as they think you are a mug to follow that stuff.

 

SO what to do now? 

In regards of CCA, Lowell will ask request documents from Oakam. Thats mean they don't have it. When we called Oakam before they informed us that they don't have any papers which relates to my partner debt because they sent everything to Lowell. Confusing 

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Forget about it, no need to worry about them as it isn’t enforceable. If, and that’s a very big if ,they send you what you requested then you can run it past us here. But until then do not talk to them or pay them anything

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Perfect,

 

This should be your SAR. It should have the dates of your last payment, when the loan was sold on, and all the fees and interest charges. 

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And from the date of last payment you should be able to work out if it is statute barred or not.  In the meanwhile do not answer any calls from Lowell, just ignore them.  It's unenforceable anyway as they haven't returned your CCA

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