Loopyloo UE Diary

[Loopyloo]

Re: Loopyloo UE Diary

[QUOTE=Loopyloo;389919]

HBOS Credit Card
�3500
Opened - 15/09/2005
Last Payment - May 2009
Not paying
Owned by Lowell's


Originally Posted by Never-In-Doubt
This is UE as it is clearly only half of the terms. For example, there is no terms regards the PPI that you have opted into, likewise term 7 clearly mentions "under condition 12.2" - however that is the last term, where is 12.2?




Hence it is UE.



25/10/13 - Received letter from Lowell's advising they have contacted HBOS for copy of agreement and statement of account, and that account will be put on hold.

30/10/13 - Letter received from Lowell's stating that if I do not pay within 7 days my account will be passed on to Fredricksons

11/01/14 - Statements received as part of CCA request, they advised agreement should follow at some point. Niddy has previously looked at the CCA I received as part of a SAR and deemed it unenforceable so just a waiting game to see what Lowell's send. How slow are they though this was requested in October!

18/01/14 - Received CCA agreement from Lowell's, copy of the same agreement I received as part of my SAR.
20/01/14 - Missing Prescribed Terms letter sent
27/01/14 - Letter received requesting payment and that they know of no valid reason for why I haven't made a payment. Would like me to contact them to avoid further action from bring taken.

05/01/14 - Response to my Missing PT letter - they are treating it as a CCA request and are requesting the agreement from the original creditor.Eh? I thought they'd done that! They quite clearly do not read their incoming mail and it's just a lucky draw of what template they'll send out next! Anyhow I'll be filing & ignoring this.
07/03/14 - Received same CCA again and copy of updated terms and statements. Will send Missing PT letter again.
15/03/14 - Letter received 'they know of no reason why I have not made a payment yet' This has just crossed over with my Missing PT letter that was sent on 13/03 - I will ignore and see what's sent next.

22/03/14 - Response received in regards to missing PT letter - "Please be advised that the Lowell group of companies at the point of purchase are assigned all the rights and benefits assoc with the acc but we do not hold copies of the agreements within our offices. Therefore we cannot provide you with any info regarding the agreement. HBOS plc however have already provided you with a copy of your signed agreement which included start date and to which a credit facility was extended to you, copy statements have also been provided to evidence credit used under this facility. The processes and procedures of Cap one (really I thought this was a HBOS card?) would not have allowed any credit facility to have been opened or utilised if they had not received a signed agreement. This agreement is fully enforceable, we require you to update us within 14 days with your clients financial situation to prevent us from litigating on the account.

07/04/14 - Letter received - As they have now answered my query they would like me to arrange payment. If I'm not happy with the response to my query then I can call their query response team and they will be more than happy to help.
10/04/214 - One liner sent referring to my previous missing PT letter,

01/05/14 - letter received advising they have answered my query, and a copy & paste of what they send previous, including wrong card provider, wrong spelling of my name. They then go on to say they believe it is correct and accurate!
12/05/14 - Standard letter advising they have replied to my query and hope it now resolves things and they hope I'm now in a position to discuss repayment. If I'm still not satisfied with their response then call their query resolution team.
21/05/14 - Sent - Final Response UE - CCA Recieved

Update
Unsure whether to ignore again or send another one liner or something else?

[nightwatch]

Re: Loopyloo UE Diary

you could send, final response UE CCA received template.

that tells them, yes you've had some document,s but it doesn't fulfill your CCA request

[Loopyloo]

Re: Loopyloo UE Diary

you could send, final response UE CCA received template.

that tells them, yes you've had some document,s but it doesn't fulfill your CCA request

Good idea, thanks

[Loopyloo]

Re: Loopyloo UE Diary

HBOS Credit Card
�3500
Opened - 15/09/2005
Last Payment - May 2009
Not paying
Owned by Lowell's


Originally Posted by Never-In-Doubt
This is UE as it is clearly only half of the terms. For example, there is no terms regards the PPI that you have opted into, likewise term 7 clearly mentions "under condition 12.2" - however that is the last term, where is 12.2?




Hence it is UE.



25/10/13 - Received letter from Lowell's advising they have contacted HBOS for copy of agreement and statement of account, and that account will be put on hold.

30/10/13 - Letter received from Lowell's stating that if I do not pay within 7 days my account will be passed on to Fredricksons

11/01/14 - Statements received as part of CCA request, they advised agreement should follow at some point. Niddy has previously looked at the CCA I received as part of a SAR and deemed it unenforceable so just a waiting game to see what Lowell's send. How slow are they though this was requested in October!

18/01/14 - Received CCA agreement from Lowell's, copy of the same agreement I received as part of my SAR.
20/01/14 - Missing Prescribed Terms letter sent
27/01/14 - Letter received requesting payment and that they know of no valid reason for why I haven't made a payment. Would like me to contact them to avoid further action from bring taken.

05/01/14 - Response to my Missing PT letter - they are treating it as a CCA request and are requesting the agreement from the original creditor.Eh? I thought they'd done that! They quite clearly do not read their incoming mail and it's just a lucky draw of what template they'll send out next! Anyhow I'll be filing & ignoring this.
07/03/14 - Received same CCA again and copy of updated terms and statements. Will send Missing PT letter again.
15/03/14 - Letter received 'they know of no reason why I have not made a payment yet' This has just crossed over with my Missing PT letter that was sent on 13/03 - I will ignore and see what's sent next.

22/03/14 - Response received in regards to missing PT letter - "Please be advised that the Lowell group of companies at the point of purchase are assigned all the rights and benefits assoc with the acc but we do not hold copies of the agreements within our offices. Therefore we cannot provide you with any info regarding the agreement. HBOS plc however have already provided you with a copy of your signed agreement which included start date and to which a credit facility was extended to you, copy statements have also been provided to evidence credit used under this facility. The processes and procedures of Cap one (really I thought this was a HBOS card?) would not have allowed any credit facility to have been opened or utilised if they had not received a signed agreement. This agreement is fully enforceable, we require you to update us within 14 days with your clients financial situation to prevent us from litigating on the account.

07/04/14 - Letter received - As they have now answered my query they would like me to arrange payment. If I'm not happy with the response to my query then I can call their query response team and they will be more than happy to help.
10/04/214 - One liner sent referring to my previous missing PT letter,

01/05/14 - letter received advising they have answered my query, and a copy & paste of what they send previous, including wrong card provider, wrong spelling of my name. They then go on to say they believe it is correct and accurate!
12/05/14 - Standard letter advising they have replied to my query and hope it now resolves things and they hope I'm now in a position to discuss repayment. If I'm still not satisfied with their response then call their query resolution team.
21/05/14 - Sent - Final Response UE - CCA Recieved

Update

[Loopyloo]

Re: Loopyloo UE Diary

HBOS Credit Card
£3500
Opened - 15/09/2005
Last Payment - May 2009
Not paying
Owned by Lowell's


Originally Posted by Never-In-Doubt
This is UE as it is clearly only half of the terms. For example, there is no terms regards the PPI that you have opted into, likewise term 7 clearly mentions "under condition 12.2" - however that is the last term, where is 12.2?




Hence it is UE.



25/10/13 - Received letter from Lowell's advising they have contacted HBOS for copy of agreement and statement of account, and that account will be put on hold.

30/10/13 - Letter received from Lowell's stating that if I do not pay within 7 days my account will be passed on to Fredricksons

11/01/14 - Statements received as part of CCA request, they advised agreement should follow at some point. Niddy has previously looked at the CCA I received as part of a SAR and deemed it unenforceable so just a waiting game to see what Lowell's send. How slow are they though this was requested in October!

18/01/14 - Received CCA agreement from Lowell's, copy of the same agreement I received as part of my SAR.
20/01/14 - Missing Prescribed Terms letter sent
27/01/14 - Letter received requesting payment and that they know of no valid reason for why I haven't made a payment. Would like me to contact them to avoid further action from bring taken.

05/01/14 - Response to my Missing PT letter - they are treating it as a CCA request and are requesting the agreement from the original creditor.Eh? I thought they'd done that! They quite clearly do not read their incoming mail and it's just a lucky draw of what template they'll send out next! Anyhow I'll be filing & ignoring this.
07/03/14 - Received same CCA again and copy of updated terms and statements. Will send Missing PT letter again.
15/03/14 - Letter received 'they know of no reason why I have not made a payment yet' This has just crossed over with my Missing PT letter that was sent on 13/03 - I will ignore and see what's sent next.

22/03/14 - Response received in regards to missing PT letter - "Please be advised that the Lowell group of companies at the point of purchase are assigned all the rights and benefits assoc with the acc but we do not hold copies of the agreements within our offices. Therefore we cannot provide you with any info regarding the agreement. HBOS plc however have already provided you with a copy of your signed agreement which included start date and to which a credit facility was extended to you, copy statements have also been provided to evidence credit used under this facility. The processes and procedures of Cap one (really I thought this was a HBOS card?) would not have allowed any credit facility to have been opened or utilised if they had not received a signed agreement. This agreement is fully enforceable, we require you to update us within 14 days with your clients financial situation to prevent us from litigating on the account.

07/04/14 - Letter received - As they have now answered my query they would like me to arrange payment. If I'm not happy with the response to my query then I can call their query response team and they will be more than happy to help.
10/04/214 - One liner sent referring to my previous missing PT letter,

01/05/14 - letter received advising they have answered my query, and a copy & paste of what they send previous, including wrong card provider, wrong spelling of my name. They then go on to say they believe it is correct and accurate!
12/05/14 - Standard letter advising they have replied to my query and hope it now resolves things and they hope I'm now in a position to discuss repayment. If I'm still not satisfied with their response then call their query resolution team.
21/05/14 - Sent - Final Response UE - CCA Recieved
31/05/14 - Standard letter received...."we have answered your query...please pay us....we may search your credit file blah blah blah" Filed and ignored, see what they send next.


Update, think I'll just ignore this one and see what they send next.

[Loopyloo]

Re: Loopyloo UE Diary

HBOS Credit Card
£3500
Opened - 15/09/2005
Last Payment - May 2009
Not paying
Owned by Lowell's


Originally Posted by Never-In-Doubt
This is UE as it is clearly only half of the terms. For example, there is no terms regards the PPI that you have opted into, likewise term 7 clearly mentions "under condition 12.2" - however that is the last term, where is 12.2?




Hence it is UE.



25/10/13 - Received letter from Lowell's advising they have contacted HBOS for copy of agreement and statement of account, and that account will be put on hold.

30/10/13 - Letter received from Lowell's stating that if I do not pay within 7 days my account will be passed on to Fredricksons

11/01/14 - Statements received as part of CCA request, they advised agreement should follow at some point. Niddy has previously looked at the CCA I received as part of a SAR and deemed it unenforceable so just a waiting game to see what Lowell's send. How slow are they though this was requested in October!

18/01/14 - Received CCA agreement from Lowell's, copy of the same agreement I received as part of my SAR.
20/01/14 - Missing Prescribed Terms letter sent
27/01/14 - Letter received requesting payment and that they know of no valid reason for why I haven't made a payment. Would like me to contact them to avoid further action from bring taken.

05/01/14 - Response to my Missing PT letter - they are treating it as a CCA request and are requesting the agreement from the original creditor.Eh? I thought they'd done that! They quite clearly do not read their incoming mail and it's just a lucky draw of what template they'll send out next! Anyhow I'll be filing & ignoring this.
07/03/14 - Received same CCA again and copy of updated terms and statements. Will send Missing PT letter again.
15/03/14 - Letter received 'they know of no reason why I have not made a payment yet' This has just crossed over with my Missing PT letter that was sent on 13/03 - I will ignore and see what's sent next.

22/03/14 - Response received in regards to missing PT letter - "Please be advised that the Lowell group of companies at the point of purchase are assigned all the rights and benefits assoc with the acc but we do not hold copies of the agreements within our offices. Therefore we cannot provide you with any info regarding the agreement. HBOS plc however have already provided you with a copy of your signed agreement which included start date and to which a credit facility was extended to you, copy statements have also been provided to evidence credit used under this facility. The processes and procedures of Cap one (really I thought this was a HBOS card?) would not have allowed any credit facility to have been opened or utilised if they had not received a signed agreement. This agreement is fully enforceable, we require you to update us within 14 days with your clients financial situation to prevent us from litigating on the account.

07/04/14 - Letter received - As they have now answered my query they would like me to arrange payment. If I'm not happy with the response to my query then I can call their query response team and they will be more than happy to help.
10/04/214 - One liner sent referring to my previous missing PT letter,

01/05/14 - letter received advising they have answered my query, and a copy & paste of what they send previous, including wrong card provider, wrong spelling of my name. They then go on to say they believe it is correct and accurate!
12/05/14 - Standard letter advising they have replied to my query and hope it now resolves things and they hope I'm now in a position to discuss repayment. If I'm still not satisfied with their response then call their query resolution team.
21/05/14 - Sent - Final Response UE - CCA Recieved
31/05/14 - Standard letter received...."we have answered your query...please pay us....we may search your credit file blah blah blah" Filed and ignored, see what they send next
02/06/14 - Received what must be response to the Final Response UE letter I sent. It's being treated as a complaint and collection activity on hold.

Happy with this response and hopefully it'll be on hold until the 29th June when it should be time barred. Last payment I made was definitely the 29th of May 2009, only thing I'm concerned about is a letter I wrote to HBOS which I discovered in a SAR. It was June 2009 the time of the bank charges changes, I wrote asking them to refund charges and cease charging interest but I never specified account numbers ( it was declined) I'm not sure if that could be seen as an acknowledgment or if Lowell would even know the letter exists, as I wouldn't have thought HBOS would have provided it.

[Loopyloo]

Re: Loopyloo UE Diary

Barclays Credit Card
£2300
Opened - 03/10/2006
Last Payment - May 2009
Owned by Lowell's but they have also just instructed Debt Manager to collect the debt. Will cca request debt managers once I have received a couple of letters from them.
13/01/14 - Seems Lowell have finally realised this debt exists after hearing nothing from them over the years apart from letting me know they had instructed Debt Managers to collect the debt - and I never heard from them either! Just received standard letter, no threat what so ever, they want to help me and I can pay as little as £1 a day! Anyway I think I'll just ignore this letter for now see what the next couple of letters say before I fire off a CCA request, just to bide some more time.
12/06/14 - Lowell have passed this to Lucas Credit Service, no real threat to their letter, they have given me 5 days to contact them.
13/06/14 - CCA request sent, Lowell's have never actively pursued this debt so I'd be interested to see what I get to the response.

Just a wee update, have a fab weekend folks!

[Loopyloo]

Re: Loopyloo UE Diary

HBOS Credit Card
£3500
Opened - 15/09/2005
Last Payment - May 2009
Not paying
Owned by Lowell's




Originally Posted by Never-In-Doubt
This is UE as it is clearly only half of the terms. For example, there is no terms regards the PPI that you have opted into, likewise term 7 clearly mentions "under condition 12.2" - however that is the last term, where is 12.2?








Hence it is UE.






25/10/13 - Received letter from Lowell's advising they have contacted HBOS for copy of agreement and statement of account, and that account will be put on hold.


30/10/13 - Letter received from Lowell's stating that if I do not pay within 7 days my account will be passed on to Fredricksons


11/01/14 - Statements received as part of CCA request, they advised agreement should follow at some point. Niddy has previously looked at the CCA I received as part of a SAR and deemed it unenforceable so just a waiting game to see what Lowell's send. How slow are they though this was requested in October!


18/01/14 - Received CCA agreement from Lowell's, copy of the same agreement I received as part of my SAR.
20/01/14 - Missing Prescribed Terms letter sent
27/01/14 - Letter received requesting payment and that they know of no valid reason for why I haven't made a payment. Would like me to contact them to avoid further action from bring taken.


05/01/14 - Response to my Missing PT letter - they are treating it as a CCA request and are requesting the agreement from the original creditor.Eh? I thought they'd done that! They quite clearly do not read their incoming mail and it's just a lucky draw of what template they'll send out next! Anyhow I'll be filing & ignoring this.
07/03/14 - Received same CCA again and copy of updated terms and statements. Will send Missing PT letter again.
15/03/14 - Letter received 'they know of no reason why I have not made a payment yet' This has just crossed over with my Missing PT letter that was sent on 13/03 - I will ignore and see what's sent next.


22/03/14 - Response received in regards to missing PT letter - "Please be advised that the Lowell group of companies at the point of purchase are assigned all the rights and benefits assoc with the acc but we do not hold copies of the agreements within our offices. Therefore we cannot provide you with any info regarding the agreement. HBOS plc however have already provided you with a copy of your signed agreement which included start date and to which a credit facility was extended to you, copy statements have also been provided to evidence credit used under this facility. The processes and procedures of Cap one (really I thought this was a HBOS card?) would not have allowed any credit facility to have been opened or utilised if they had not received a signed agreement. This agreement is fully enforceable, we require you to update us within 14 days with your clients financial situation to prevent us from litigating on the account.


07/04/14 - Letter received - As they have now answered my query they would like me to arrange payment. If I'm not happy with the response to my query then I can call their query response team and they will be more than happy to help.
10/04/214 - One liner sent referring to my previous missing PT letter,


01/05/14 - letter received advising they have answered my query, and a copy & paste of what they send previous, including wrong card provider, wrong spelling of my name. They then go on to say they believe it is correct and accurate!
12/05/14 - Standard letter advising they have replied to my query and hope it now resolves things and they hope I'm now in a position to discuss repayment. If I'm still not satisfied with their response then call their query resolution team.
21/05/14 - Sent - Final Response UE - CCA Recieved
31/05/14 - Standard letter received...."we have answered your query...please pay us....we may search your credit file blah blah blah" Filed and ignored, see what they send next
02/06/14 - Received what must be response to the Final Response UE letter I sent. It's being treated as a complaint and collection activity on hold.
13/09/14 - Well it has taken them long enough (not that I'm bothered!) the conclusion to my complaint - they basically have just summarised what letters I have sent them and how they have replied, enclosed copy of agreement & statements. Account on hold for a further 30 days then collection activity will resume.

Now I'm pretty confident that this account is SB, last payment was defo the 29/05/09, the amount they are asking for is the same as when it was defaulted - so no phantom payments, the only thing added to the account since I stopped paying until default are charges and letter fees.

So.....do I ignore them....or fire off the SB letter?

[ScabHunter]

Re: Loopyloo UE Diary

Now I'm pretty confident that this account is SB, last payment was defo the 29/05/09, the amount they are asking for is the same as when it was defaulted - so no phantom payments, the only thing added to the account since I stopped paying until default are charges and letter fees.

So.....do I ignore them....or fire off the SB letter?

Why are you “pretty” confident that this is SB, instead of being ABSOLUTELY confident? Do you think you may have acknowledged the alleged debt in writing at some point?

If you are absolutely certain that this is SB, I would sent off the SB letter. Why wait and go through any more arguments when the SB card trumps all of the others anyway?

Just make sure that it genuinely is SB first.

SH

[Loopyloo]

Re: Loopyloo UE Diary

You're right, I'll just fire off the SB letter. I've defo not acknowledged anything in writing and I'm fed up playing letter ping pong with them now.

[Loopyloo]

Re: Loopyloo UE Diary

Received response from Lowell today in regards to the SB letter I sent for HBOS credit card.

They advise that as the default date was not until the end of November 2009 it is still within time limit. Collection activity on hold until they get further information from HBOS. Clutching at straws I guess.

Now I'm confident last payment was end of May 2009, but kind of want to nip this in the bud as I don't want another stressful Xmas!

Should I respond?

[nightwatch]

Re: Loopyloo UE Diary

I think they have tried this with someone else on this site. they are hoping you do not know the difference between defaults and SB.
when the default is registered with the CRA's is totally different to when you last paid, so they are talking manure and chancing their luck.
they say they are contacting the OC so I would wait for now. NW x

[Loopyloo]

Re: Loopyloo UE Diary

Thanks Nightwatch they just really p*$s me off with their dirty deceitful tactic! Plus the fact they always work it that you receive letters on a Friday, really winds me up. Oh well..... I'll have the last laugh ��

[ScabHunter]

Re: Loopyloo UE Diary

This is the other instance of Clownell attempting to con an alleged debtor that there is connection between the default notice and the statute barring date -

http://forums.all-about-debt.co.uk/s...l=1#post442156

In this case, if they are waiting for information, it might be better to just let them get on with it. Christmas is still two months away, so plenty of time to send SB letters.

It might be an interesting idea to wait until December 2014, and then ask them whether they STILL contend that the statute barring date is five years (Scotland) from the end of November 2009?

SH

[Loopyloo]

Re: Loopyloo UE Diary

Hi guys been a while since I posted as not much happening really, hope you are all well. I get the odd letter from Lowell, not much threat, they just keep sending me a bunch of HBOS credit card statements in response to SB letters. The statements clearly show no payments so quite frankly I don't know why they are wasting their time. The statements range from account opening up until 2014, the question I have is, if HBOS sold this account to Lowells in July 2013 why would they still be producing statements on the account and sending them to Lowells as a response to SB letters or is this Lowells just fabricating them?