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Lewis debt recovery & CCA Request


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Just a quick note from a first poster. What a Fantastic forum which gives me insperation to stand up to all DCA,s.:smile:

 

I have sent a CCA request to Lewis debt recovery who are collecting on behalf of Lloyds TSB regarding a loan that was taken out around 10 years ago.

 

The problem i have is that Lewis has sent me a letter within 2 days of CCA Request saying the following.

 

Dear xxxxxxxx

 

As we are not the credit provider of the above account we are unable to supply you with a copy of the agreement. This request should be sent to Lloyds TSB Bank direct.

 

Please find enclosed your cheque for £1.00.

 

What do i need to do now, if any thing.

 

Do i send a request direct to TSB or do i just do nothing as the DCA say they can't supply the agreement.

 

Any help would be appresiated.

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Lewis just love to play games, you wait untill you get mail from their paramilitary arm ;)

 

In your CCA request did you include this line

You are further notified that you are obliged to supply these documents, whether you are the original creditor or not under section 189 of the Consumer Credit Act 1974.

 

If so they are telling porkies and HAVE to comply.

Be VERY careful whose advice you listen too

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Yes return it stating you sent a letter on the original date requesting the Credit Agreement and they ahave obviously made some mistake and returned your cheque in error.

 

"Please note, the compliance period runs from the original date of the original letter. Failure to supply all documents requested in that time will result in default."

 

Or as Curlyben says resend the documents but the time limit will start again.

Egg/CapQuest 2 - CCA sent 12/04/07 ****RESULT****

Barclays Bank/Lowell 1 - CCA sent 12/04/07 ****RESULT****

 

Halifax/CapQuest 1 - CCA sent 12/04/07 SD issued ****WON with COSTS****

 

Barclaycard/Cabot - CCA Sent 12/04/07 Unenforcable Application Form

Smile/Lowell 2 - CCA sent 12/04/07 Unenforcable Application Form

NatWest/Fredrickson International - CCA sent 12/04/07 No Reply

 

Halifax/1st Credit - CCA sent 17/04/07 No CA but Threats from 1st Credit & Connaught! - Still Nothing but still chasing!

 

Student Loans Company/CapQuest 3 - CCA sent 11/06/08 - No Reply.

Lowell 3 - Ignored them went over their heads to Capital One

 

Halifax - S.A.R - sent 17/04/07 Completely incomplete!

Halifax 2 - S.A.R - sent 11/06/08 - Scant Info

Capital One - S.A.R - sent 11/06/08 - Scant Info

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