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


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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

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

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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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

 

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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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?

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

 

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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