Tastyjane's UE diary

[marypoppins]

Re: Tastyjane's UE diary

Great news Jane!

I really must get a CCA request sent off for my OH, I've been very lazy of late but I'm going on holiday soon so hopefully that will revive me and I'll get on their case when I'm back.

[Never-In-Doubt]

Re: Tastyjane's EU diary

[QUOTE=tastyjane;340875]

Came back off a weekend away celebrating a friends 40th and thought my hangover was worse than I imagined!

02/09/13 Letter received from Lowell dated 29th August

Your Credit Agreement
We refer to your recent request for a copy of the original credit agreement for this account.

After Liaising with Lloyds in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you.

We are closing your account.
At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is
received at some point in the future from Lloyds.

STEP 1 - you do not need to do anything

Oh my god!!!! Can you believe it - the balance is £11540.80 and if I am reading this right they have just walked away? I should be celebrating right?

Jane x

Haha brilliant

[greymatter]

Re: Tastyjane's UE diary

What really fantastic news

[SXGuy]

Re: Tastyjane's UE diary

Congratulations!

[nightwatch]

Re: Tastyjane's UE diary

Fantastic xx

[tastyjane]

Re: Tastyjane's UE diary

Thanks so much everyone, this was fully assigned to Lowells do you think they might sell it back to Lloyds or even some other DCA? Or is it really buried now as long as they don't find an agreement (which I'm 99.99% sure I never signed )

Jane x

[Enforcer]

Re: Tastyjane's UE diary

They may yet pass this on to another DCA. Did it in my case, even though I had a letter stating UE. Still went around 7 different DCA's. Keep the letter safe, every time you get a new contact, send a copy of this letter. The new DCA will pass it back.
Congratulations on getting the letter.

[Miss Muddled]

Re: Tastyjane's UE diary

Well Done TJ, like winning the lottery......absolutely brilliant news.

[Never-In-Doubt]

Re: Tastyjane's UE diary

do you think they might sell it back to Lloyds or even some other DCA? Or is it really buried now as long as they don't find an agreement (which I'm 99.99% sure I never signed )

Jane x

you'll be fine. Try not to worry - just keep that letter safe

[carol01]

Re: Tastyjane's UE diary

well done tasty jane love hearing happy endings

[vint1954]

Re: Tastyjane's UE diary

Well done Jane

[tastyjane]

Re: Tastyjane's EU diary

07/02/13 - received a letter from Aktiv Kapital stating that they are attempting to gain the information from original creditor this may take some time so account on hold.

09/05/13 - Received letter from Aktiv Kapital stating that they are required to inform me that my account has now been sold by Aktiv Kapital Assets Investments Limited to Aktiv Kapital Portfolio, AS, Oslo, Zug Branch. Aktiv Kapital (UK) Limited continue to act on behalf of the new owner.

Lots more about my account being managed by Equidebt and they will continue to do so. Need to contact them immediately to help them set up a repayment plan. I can call them directly on 01792

Interesting letter to return from holiday to; my gut feel is to ignore until I hear more as I have the letter from Feb saying all on hold until they can locate the CCA - can one of you lovely experts tell me if this is the right thing to do? I will obviously file and keep.

Thanks

Jane x

As advised I just filed this letter and ignored.

06.09.13 - I have received a letter from Aktiv Kapital which reads as follows:-

You have not responded to previous letters we sent you so we have recently obtained additional confirmation that this is still the correct address for you.

It is important you contact us to arrange repayment of this debt. At this time you can still resolve this matter without the need of further action being taken by us and we urge you to call us immediately.

This balance is still outstanding and is now due for payment.

Next Step

Our next step may involve passing your account to our field agent, who will contact you to arrange a time when they can call at your home to discuss repayment options with you.

Alternative option

We will allow you the option to set up a monthly payment arrangement with us directly and benefit from our incentive programme called "New Deal".

Alternatively, you can received a reduction in the amount you owe and potentially pay as little as £6678.96, which will be accepted as full payment.

If you call within 10 days we will make the arrangements for you.

I have never received a response to my CCA request from February, as you will see they did write and say that they were trying to gain the information but my account would be on hold from collection until a time that they had a copy. As far as I am aware they do not have a copy yet. They did write to say that they had sold the account to Aktiv Kapital Assets but this is definitely from Aktiv Kapital.

Do I need to send anything in response to this? I feel I should refer them to my original CCA request that has not been fulfilled but is that the right thing to do and if so is there a template letter? The CCA request was sent on 31.01.13.

I would be really grateful for any advice.

Jane x

[Deepie]

Re: Tastyjane's EU diary

I have never received a response to my CCA request from February, as you will see they did write and say that they were trying to gain the information but my account would be on hold from collection until a time that they had a copy. As far as I am aware they do not have a copy yet. They did write to say that they had sold the account to Aktiv Kapital Assets but this is definitely from Aktiv Kapital.

Do I need to send anything in response to this? I feel I should refer them to my original CCA request that has not been fulfilled but is that the right thing to do and if so is there a template letter? The CCA request was sent on 31.01.13.

I would be really grateful for any advice.

Jane x

I'd be sending this if it were me------> Final Response - UE (No CCA Received)

[tastyjane]

Re: Tastyjane's UE diary

Hi Deepie, Thanks for that, I will type that up today and send recorded - would you send it immediately or wait a while? They have given me 10 days to respond but their letter was dated 31st August.

Jane x

[nightwatch]

Re: Tastyjane's UE diary

I would wait and chill over the weekend and send it next week