Re: Lowells DCA
Hello Never in Doubt sorry i have not been in touch but i could not access my account, will i send that template letter to Lowells?
I got a letter from their other department Red demanding payment they said that even though they were well outwith the time scales to produce a copy of the agreement they are now allowed by law to properly enforce payment as they provided a copy agreement and a statement. They say that because the debt is over £750 they can apply to the sherriff court for a Decree.
Announcement
Collapse
No announcement yet.
Lowells DCA
Collapse
X
-
Re: Lowells DCA
Apologies for the delay i had to go to work.
Summary of account is Total Debits £4381.91
Goods bought total is £2116.80 , interest £1805.16 , delivery £3.95 & Charges is £456.00
Total payments made to account is £3086.45 which leaves a balance of £1270.46 outstanding.
Leave a comment:
-
Re: Lowells DCA
Unfair relationship test + excessive charging = go away nasty bank!!
In the OP's case if they spell out the problem I'll sort a suitable response - reminding them of guidelines and associated Acts
Leave a comment:
-
Re: Lowells DCA
Originally posted by Never-In-Doubt View Postnope, the user telling us more RELEVANT info. If it's all charges they won't be getting far - that's a certainty
Leave a comment:
-
Re: Lowells DCA
Originally posted by TibetanMonk View PostLol, lightbulb moment :P
Leave a comment:
-
Re: Lowells DCA
Originally posted by Never-In-Doubt View PostSorry - say again??
Stop. Don't send that letter. Instead, tell me more please. We might be able to help get-rid
Leave a comment:
-
Re: Lowells DCA
Sorry - say again??
Stop. Don't send that letter. Instead, tell me more please. We might be able to help get-rid
Leave a comment:
-
Re: Lowells DCA
Thank you I will get this sent to them today.
The balance of shop direct account is £500 charges and £300 of interest.
Already paid for all the goods bought plus an additional £700 interest. So technically they have not lost anything
Leave a comment:
-
Re: Lowells DCA
Yes the debt doesn't go. It simply means it is unenforceable. Trust me, the letter I linked you to is correct. I wrote it for this situation!!
Leave a comment:
-
Re: Lowells DCA
Thank you for your replies. I have had a look at the template and I am not sure if this applies to me
23.1.14 I requested copy of agreement from lowells
17.3.14 lowells said account closed as no agreement can be found.
30.04.14 lowells produced a copy of an agreement and an unsigned short statement of balance of account.
Even though the 14 day deadline is long gone are they allowed to reopen the debt with a reconstituted agreement?
Leave a comment:
-
Re: Lowells DCA
Originally posted by Never-In-Doubt View PostI'd photocopy the letter you got 17th March and send a copy to Lowell with this Template --> http://www.all-about-debt.co.uk/inde...firming-no-cca
Leave a comment:
-
Re: Lowells DCA
Originally posted by sandra View Postthank you for your reply.
Leave a comment:
-
Re: Lowells DCA
Originally posted by Never-In-Doubt View PostI'd photocopy the letter you got 17th March and send a copy to Lowell with this Template --> http://www.all-about-debt.co.uk/inde...firming-no-cca
You must first read this --> http://forums.all-about-debt.co.uk/s...-New-Templates
THEN register THEN once we accept your request you can click the first link (template)....
Worth a shot....
Leave a comment:
-
Re: Lowells DCA
I'd photocopy the letter you got 17th March and send a copy to Lowell with this Template --> http://www.all-about-debt.co.uk/inde...firming-no-cca
You must first read this --> http://forums.all-about-debt.co.uk/s...-New-Templates
THEN register THEN once we accept your request you can click the first link (template)....
Worth a shot....
Leave a comment:
Leave a comment: