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Lowell and Argos Card Debt - CCA return help


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Received a reply from Lowell in regards to the  Argos CCA request saying they have fulfilled the request.

 

Is this the case and/ or what are my actions next?

 

Files attached.

1. Letter

2. Terms and conditions.

3. Agreement

4. 1 of many monthly statements.

 

Many Thanks

Lowell_CCA_Reply_150120-min.pdf

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Ignore them. Until if and when you receive a PAP  letter. It’s quite possible nothing will happen. Let them make the next move.

We could do with some help from you.

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Doesn’t matter where you are, I’ve had DCA’s produce perfectly fine agreements and nothing ever happened. These debts are now

long statute barred.

 

Its equally Possible that one day you will receive  a PAP letter before action. If / when that day comes you will be able to come here to get help.

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

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3 hours ago, dellnasnoods said:

Does this apply in Scotland too?

 

Thanks

 

No...PAP does not apply in Scotland

 

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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  • dx100uk changed the title to Lowell and Argos Card DEbt - CCA return help

new thread for argos card debt

 

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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  • Andyorch changed the title to Lowell and Argos Card Debt - CCA return help
  • 4 months later...

I ordered a fridge from Argos online from my Argos Card which would be interest free for 6 months. I have ordered numerous items in the past from Argos and paid in full before the 6 months period ended.

I was given a delivery date and worked from home that day. 

 

When it became apparent that it wasn't being delivered I called customer services only to be told that it was out of stock. I, naturally, was rather annoyed by this and cancelled the order. I thought no more about it.

 

Around 6 months later I began to receive account statements from Argos with a bill for the cost of the fridge. I again telephoned their customer services only to be shunted from department to department with no progress.

 

Eventually I spoke with someone who practically accused me of theft!

No progress or follow up was carried out from then. 

 

The statements stopped as I had been returning them to the sender each time but they eventually stopped. 

 

I am now receiving demands for payment from Lovells debt management company. 

 

There is no way I'm paying for goods I haven't received. 

Can anyone advise me on what to do please?

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Same debt i assume?

 

When did you order this fridge?

 

Have you sent argos an sar? As you should be able to find the proof of cancellation in the there fo send lowell s

 

 

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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Click sar and read

You need proof to send to lowell

 

Is this on your credit file??

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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  • 5 weeks later...

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