Originally posted by Night Monkey
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The LoC had plenty of red ink and said if no response in 30 days, a claim would be issued. If you get a LoC, you'll notice it for sure.
Also, the associated Overdales cover letter had a second page that starts with the "Background to the Debt", basically all the dates and balances etc from when it was opened.
In my returned reply (and thanks to Roger who had listed on an old thread what to request), I asked for: Copy of the credit agreement including T&Cs; Statement; Notice of Assignment and DN - it was only the failure of the latter that derailed their attempts.
It took them about two months to respond with everything but the DN, then a further two months for Overdales to confirm the DN was unavailable and then a couple more weeks for Lowell to lick their wounds on their dud purchase before saying: "We understand you may need some time before discussing your account because of your circumstances."
Not heard a peep from them since, though they are emailing every couple of weeks on another account which I half expected to feature a LoC over Xmas as seems they take pleasure in messing up people's festivities.
For the record, I never SAR'd the original creditor.
Cheers,
K91
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