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lowell replied with documents from request of CCA

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Need help with 2 accounts I have with lowell..

 

One was with Hitachi capital which was taken out in 2008 for car finance..

I was paying Hitachi capital direct 5 quid a week for years because of financial problems..

Now all of a sudden LOWELLS have taken over it!!

No mention of this off hitachi at all..

 

And the next one is a shop direct one which is more recent I'd say about 4 years old,

I was paying LOWELLS this one at 10 quid a month I think but couldn't afford it after getting into difficulty ..

 

Both of these totalling together over 9k and

I'm so stressed I'm a single mom and only work part time..

 

 I got into difficulty and still am struggling after being on sick from work after recently loosing my 9 year old daughter.

I'm sick of this mega old debt hanging over my head that's 11 years old now.

 

Any help or advice on what to do next to try get these debts written off would be great. 

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Hi and Welcome to CAG

 

I would send the following and request a copy of the agreements.

 

 

Regards

 

Andy


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Thank you. i have filled in relevant sections to the letters and will be posting them tomorrow and getting proof of posting.. i will post any replys they send on here for the next stage of help..

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:thumb:


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OK Guys, Lowell have sent back the Documents i asked for on the CCA  Agreement.. The agreement was signed on the 17/4/2013. ive heard i can get this statutory barred?? how can i get this written off as it is over 6 years old? what can i do next please?

 

Hi guys, just need some help on what to do next, i have the paperwork and original credit agreement back from lowells and it was signed on the 17/4/2013. what can i do next? this debt is very old now over 6 years is there any steps top take to get this written off?

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Threads merged....please do not start new threads on the same topic.

 

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

 

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When was the last time you paid anything on the debt?


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

 

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I would say last year I'd have to look at the documents because they have sent dates and payment amounts.. I was paying 5 a week for years but now they referred to LOWELLS around Christmas time. 

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Might be a problem then with SB.


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

 

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

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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so they returned a cca for the shop direct CAT account

can you scan it up to one multipage PDF please

read upload carefully

 

as for the hitachi car finance..they yet to comply?

 

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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The shop direct one I haven't had the c a off them yet... They have sent the cxa for the Hitachi.. I will block out the numbers and my name and post up pics of the agreement 

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one pdf ONLY.

 

if lowells have exceeded the 12+2 working days for the SD CCA, then don't pay them .


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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read upload convert all the JPG's to one pdf using the website listed.

we need all of it


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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OK I will do this tomorrow as I need help off my friend I'm not very good on computers. 

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the request for the CCA to the shop direct was posted recorded delivery on the 27/01/2020 and they have recently sent a letter saying they are still dealing with it and will get back to me as soon as they can, is this over the days requested and im not obliged to pay them?

 

the PDF im currently working on for the hitachi files to upload on here...

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until ANYONE complies...no CCa = no pay.

 

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 have to hide your upload...all the details of the car and your bank details showing......please redact fully.

 

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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hopefully this is ok for you to read and relevant information is covered

 

CCA return .pdf

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Still showing your name and bank details on the Direct Debt  section (bottom right)..upload unapproved....Site Team can still see the agreement so dont bother uploading again.

 

So what is happening with the Shop Direct Agreement ?

 

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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the shop direct one they havent sent no CCA that i requested, so i dont know what to do or will they still request the money. ? on the 12th feb they sent a letter saying they looking into it and will get back to me as soon as possible.

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They can request what they wish .....whether you wish to pay anything is your choice.The Hitachi agreement you state in your initial post that you took it out in 2008...yet the agreement states 17th April 2013 ?


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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i got confused with the date of the hitachi one, i did think it was 2008 until the CCA came through. they have given me until 3rd march to read through documents before they start hounding me for money again.

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sorry 10/03/2020 until they start asking for money again.

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Let them hound..file the letters....dont answer their calls


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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shop direct im not bothered they have exceeded the time requested from the CCA. But hitachi have provided the CCA? i can still ignore them then and they wont be able to take me to court?

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