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MrJohnW

Lowell\Lowell - Provident

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Hello, the lady I have been helping out has a new issue, and I am hoping someone here can advise.  

Had the standard 30 days letter from them in April.  Sent off the CCA/CPR and what not.  Had letters back saying they were looking for documents then that "it was on hold" two months laters.  

This weekend she received a phone call from a relative she lived with 9 years ago.  It was some debt letters.  It was the same company and same debt as before but they are re-issuing the 30 days notice before action to this very old address.  She did not give them that address, that debt was never registered at that address. 

Suggestions please?  Seems like they are trying to sneak a CCJ in, I have successfully seen off multiple old accounts that have been sold to Lowell for her.  

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lowells obviously have her current correct address from letters you've sent [CCA/CPR]

 

I suggest you write to them and demand to know why letters for other debts are purposefully being sent to an old address when they KNOW and have received and replied to letters from her present address..

 

I would guess, that because they've obviously been cash cowing her on other debts she'd be an easy touch to fleece on others as to date, she'd not had a clue till you came along!!

 

as a side issue....why are you sending a CPR when theres no issued court claimform?


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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Sure, I will send them a strongly worded letter in her name.  They responded to her at the correct address, and are well past the time frame to provide documents. 

I was advised to send CPR and CCA from here a while back in response to 30 day letters, has it changed?   

Its the same debt they tried and failed to chase in April.  

Edited by MrJohnW
Update

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if you mean the pre action protocol letter of action reply thread

it doesn't say cpr anywhere.. but no matter.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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I seem to recall there is a time frame for them to provide documents after they start the 30 days before action and you send the CCA after which they can't chase.  Was it 45 days?  

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You have 30 days to respond and they have 30 days to comply Pre Action Protocol..before issuing a claim...not that any DCA adheres to it.

 

12+2 to respond to a CCA request

30 days to respond to a DSAR.


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I e-mailed them, which they ignored so I wrote a letter for her.   They issued another pre-action protocol and then sent her a letter saying they considered her letter a response to their pre-action protocol and how it was her responsibility to inform them of address changes.  She never moved.  

 

I guess I will write them one back outlining that she never moved, and they failed to comply to thd origin live-action protocol and she considers the matter closed unless anyone has any suggestions?  

Edited by MrJohnW

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They are drawing you in with nonsensical missives ...pointless letter tennis...you wont get any sense out of them.

 

Andy


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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Yet another PAP letter for the same account today.  This makes 5.  Any way of stopping them?  

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