Halifax Credit Card with Lowell - Have received response to CCA Request What next?

[dwr_fsg]

Had been paying Lowell for years at £5 per month, balance according to them is still approx. 15K. On 23 Jul 2021I wrote a CCA Request as per CAG's template. Their response is the attached letter and copy signature page, they also enclosed a 23 clause CC Agreement  under CC Act 1974 and copy statements covering the period from 08/12/2006 to 10/12/2012.

 

Should I respond or ignore unless and until they issue a Letter before Claim (or similar)?  If respond, with what?

Document_2021-09-23_164547.pdf

[dx100uk]

Don't need the statements but need the full cca reply please

[dwr_fsg]

Thanks dx you now have the letter, separate signature page and the cca as sent.

 

Here it is one file small enough to fit within the limit.

BoS CCA.pdf

[dx100uk]

interest how all the docs have low down the side

the page with the signature earlier is an application form NOT a sign CCA so is not compliant.

 

i would also suspect those T&C's and your address at the top is in a differing font from the rest of the T&C's? 

and is that the correct address for the time of take out?

 

overall bogroll created from lowlifes filing cabinet and not from halifax

unenforceable, stop payments, ignore them until/unless they issue a letter of claim.

 

dx

 

[unclebulgaria67]

The second page where it notes the parties, did Lowell add your name/address ?

 

Did Lowell advise you that the CCA was as reconstituted version of the CCA they had produced themselves?

[dwr_fsg]

Thanks for comments dx and uncle. The address inserted on page 2 was not the address at the time of take out! Lowell gave no advice the CCA was a reconstituted version.

 

Will put them on ignore until/unless they issue a letter of claim.

[dx100uk]

great news there then means it fake...naughty lowells!

 

dx