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lowell replied with documents from request of CCA


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They may take you to court ...but they will have to go through Pre Action Protocol first..which provides a further 60 days to come to an agreement before issuing a court claim.

I would bide my time and see if they make that next step first.

 

Get up to speed and read the following...what they could/should do next.

 

 

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docs now redacted properly and file size reduced.

 

no T&C's

and ripped off for useless warranty.

 

one point :

sept 2015 they sold it to lowells

now why?

you were upto date

no arrears.

strange. there must be a reason.

 

i'd send an sar to hitachi now and find that reason poss in the comms log

 

pers as andy says

id ignore them for now

 

a DCA is NOT A BAILIFF

and have no more legal powers than you or i

 

dx

 

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just a thought, its not unknown for up to date accounts to be sold off in error, that SAR is important.

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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no need for recorded just use std 1st class and get free proof of posting from any PO counter.

 

click sar

add your details and theirs 

print it off 

pop it in the envelope with a 1st class stamp on it

goto a PO counter

hand it over asking for free POP.

 

dx

 

  • Like 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites
  • 4 weeks later...

im needing some advice on what to do next.. lowells are still hounding me for the debts..

 

the hitaachi one they did send the CCA documents..

which then you advised for me to call hitachi and ask for all info regarding my account which they wasnt helpful at all and saying to call lowells as the account is with them??

really didnt get anywhere with them..

 

the shop direct account they never sent any CCA i asked for..

but had this letter recently and now im just confused on what to do.

 

lowell still ongoing (1).pdf

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name still showing

 

we said SAR not ring hitachi.

 

its a begging letter ignore

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  Chancalee if you could redact the letter and reupload so others can offer opinion and we have all the information contained in your 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

 

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

 

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

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doc is now redacted

sorry for the delay.

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have written a SAR to Hitachi..  theybsent a letter back asking me to call to clarify some information.. this was done around 10 days ago and still no SAR.. the operator just kept saying the account is with lovell so I doubt I will get a SAR off Hitachi. 

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they cant refuse its a legal requirement

I will guess these were simply ID questions as you'd moved since take out and never informed hitachi?

 

dx

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Yes address was changed .. and the call was made it was like the operator had no idea why I was calling .. i said I've only called to clarify identity to the letter they sent when I requested the SAR.. but he just replied the case is with lovell and to call them ?? I was getting nowhere tbh. 

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did you not send them a CTAX copy too then with the sar as advised?

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

go read the full SAR link and all it's post

you needed to include some form of evidence of who you are and where you are now as you'd moved.

 

a copy of your Council Tax bill would have done as advised there

sorry but if people don't bother to read things we put up...………….

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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