Lowell and 2008 Provident doorstep loan - CCA request reply

[thedryad]

Hi all, 

 

recently I stopped paying Lowell the monthly agreed amount of £5 for a debt to provident.

 

I sent them a CCA request and this is the reply I received. What does it mean please? 

 

Background: I was for a long time and agreed to pay DCAs instead of fighting them. Now I’m better and wiser. The provident debt was a loan in 2008 and I’ve been paying Lowell £5 a month for the last 2 years. The balance was at £132 last month until I stopped paying.

 

I will attach in a minute when I can get my laptop on.

 

 

 

[dx100uk]

move to the provi forum.

before you started blindly paying lowells ..who and WHEN did you last pay?

 

was this a doorstep loan?

[thedryad]

Yes it was and as I said above I paid Lowell for the last two years but before that I can’t remember when I last paid the OC because I was ill.

 

 

I will say this though, before anyone judges me, I'm an intelligent person who just became extremely unwell and didn't have the energy to fight. I have had CCJ's because I ignored Lowell and other DCAs before and that scared me, I just didn't have the energy to send the letters and seek help. So I "blindly" paid them. 

[dx100uk]

so you owe them nothing and were paying them for nothing.

oh well.

 

dx

[thedryad]

Would you mind clarifying, and, also, could be maybe be a little less rude?

I appreciate help but I don't appreciate being spoken to as if I'm an idiot. 

 

Does this mean that the debt is written off/no longer exists or does it mean that I might hear from another DCA regarding this at some point?

[dx100uk]

no they had you..at that time as you've repeatedly said ..you knew no better nor were in any state to even care.

 

if they are saying there is no debt = nothing to sell on

[fletch70]

Hi

I have found in the last that Lowell are really not very intelligent and often do not join up the dots.

 

I have had letters refusing to supply documents I did not ask for

 

What may have happened is that once you sent the CCA Request, they realised the game was up and wrote off the debt. When I CCA'd Lowell for a provident debt they were only able to supply the front of the agreements and not the terms and conditions on the back. They did eventually close the account.

 

I would keep that letter very safely so if in future they try and chase you you have something to send back to them. (Again, I once had a purchaser try to chase me for a debt but I had an email from the OC saying the balance was 0 and the debt had not been sold or assigned to a third party) 

 

By the way, did you ask for the Deed of Assignment?

[thedryad]

No, I didn’t request a deed of assignment. Just the CCA! 

[AndyOrch]

Just as well because you cant ask for the Deed only the Notice...only a Court Judge can order the disclosure of this sensitive document which reveals the the terms of the assignment  and how much the Assignee paid for the debt...which in effect is useless to you anyway.....the Notice of Assignment is more important.

 

And given that this debt is not subject to litigation how could you ask for it anyway?

 

Andy

[thedryad]

To be honest I don’t think I ever got a NOA either...

[fletch70]

I only asked because it seems to be a template letter sent out, I have received almost exactly the same letter; saying I could not have something I had not even asked for,,

 

 

Keep the letter safe 

[AndyOrch]

Lowells have always got their Deeds and Notice of Assignment mixed up...nothing new on most threads here going back years.