Chriwat Diary

[nanna58]

Re: Chriwat Diary

Hi Criwat any update on this ? Hope you are OK enjoy the sun xx

[chriwat]

Re: Chriwat Diary

Hi everyone,

So after months of nothing the silence is finally broken. Mywife received a letter today from Lowells to say Creation had sold them thedebt. We had no response to any SWID letters we sent to Creation so do youadvise a SWID letter to Lowells or just ignore

Thanks guys and hope you are all well

[chriwat]

Re: Chriwat Diary

22/11/13 sent CCA request
29/11/13 Letter sent for communication inwriting only.
6/12/13 Received a response from Creationtoday...'acknowledging receipt of my complaint and the complaints team will nowinvestigate the matter'
7/12/13 Received a letter today fromCreation saying they are in receipt of our request for the CCA. They have sentback a copy of the request asking my wife to sign it as part of their securityprocedure. I am sure I have read not to send them any signature.
7/1/14 Debt passed to West Midland DebtCollections asking for full payment or contacted to discuss a payment plan.Still no CCA from Creation
7/1/14 sent 'sold in dispute' letter towest midland debt collections
24/1/14 letter received from west midlandsaying we have not responded to previous communication(we did)
24/1/14 resent 'sold in dispute' letter
7/2/14 received 'cca' today...will scan andsend to Niddy...fingers crossed :-)
10/2/14 niddy says UE...missing PTs lettersent
23/5/14 received letter from west midlandsdebt collections asking for full payment in 72 hours
23/12/14 received letter from west midlands debt collections asking for fullpayment immediately
3/1/15 received letter from west midlands debt collections saying no responsefrom previous letter.
3/1/15 Missing PT's letter sent to WestMidlands Debt Collections
23/1/15 Letter received from Moorcroft Debt Recovery saying to contact them asaccount passed to them from Creation.
6/2/15 Letter from Moorcroft...unable to contact letter
26/5/15 letter from creation saying passed to WMD for collection
26/5/15 letter from WMD asking for payment immediately
20/6/16 letter from Lowells saying they hadbought the ‘debt’ from Creation

[nanna58]

Re: Chriwat Diary

Is it threatening? Or just advisory? If so maybe an idea to wait till they threaten .Unless someone says differently. x

[nightwatch]

Re: Chriwat Diary

I would await the next letter xx

[chriwat]

Re: Chriwat Diary

Hi,

Not threatening at all, just informing us they have bought the debt andwe have to contact them to arrange payment in full or to come to an agreement


- - - Updated - - -

thanks nightwatch that's our plan for now :-)

[nanna58]

Re: Chriwat Diary

Goodo xx

[Never-In-Doubt]

Re: Chriwat Diary

We had no response to any SWID letters we sent to Creation so do youadvise a SWID letter to Lowells or just ignore

Don't send any more templates. They're in default so keep quiet now.

Keep us updated of any letters / threats though but don't go replying as it allows them to remedy the breaches which currently make it UE.

[chriwat]

Re: Chriwat Diary

thanks everyone i'll keep you posted :-)

[chriwat]

Re: Chriwat Diary

Morning everyone. So today received a ‘pre-legal assessment’letter from Lowell. It says they have assessed their options and intend to takelegal action to recover the debt if we do not contact them to agree a repaymentplan.
Sounds threatening and any advice appreciated.


- - - Updated - - -

22/11/13 sent CCA request
29/11/13 Letter sent for communication inwriting only.
6/12/13 Received a response from Creationtoday...'acknowledging receipt of my complaint and the complaints team will nowinvestigate the matter'
7/12/13 Received a letter today fromCreation saying they are in receipt of our request for the CCA. They have sentback a copy of the request asking my wife to sign it as part of their securityprocedure. I am sure I have read not to send them any signature.
7/1/14 Debt passed to West Midland DebtCollections asking for full payment or contacted to discuss a payment plan.Still no CCA from Creation
7/1/14 sent 'sold in dispute' letter towest midland debt collections
24/1/14 letter received from west midlandsaying we have not responded to previous communication(we did)
24/1/14 resent 'sold in dispute' letter
7/2/14 received 'cca' today...will scan andsend to Niddy...fingers crossed :-)
10/2/14 niddy says UE...missing PTs lettersent
23/5/14 received letter from west midlandsdebt collections asking for full payment in 72 hours
23/12/14 received letter from west midlands debt collections asking for fullpayment immediately
3/1/15 received letter from west midlands debt collections saying no responsefrom previous letter.
3/1/15 Missing PT's letter sent to WestMidlands Debt Collections
23/1/15 Letter received from Moorcroft Debt Recovery saying to contact them asaccount passed to them from Creation.
6/2/15 Letter from Moorcroft...unable to contact letter
26/5/15 letter from creation saying passed to WMD for collection
26/5/15 letter from WMD asking for payment immediately
20/6/16 letter from Lowells saying they hadbought the ‘debt’ from Creation
20/8/16 Pre Legal Assessment letter from Lowell

[nightwatch]

Re: Chriwat Diary

as it mentions legal assessment, I would send the LBA template, Lowell can be swift off the mark but can be slowed down with this reply xxxx

[chriwat]

Re: Chriwat Diary

thanks nightwatch :-) whats the lba template

[Susie]

Re: Chriwat Diary

LBA = Letter before action
Good luck

[nightwatch]

Re: Chriwat Diary

sorry it's in the template letters at the top of the page, for some reason i can't post a link to it, but if you click through, it will help explane why and when we send it,
all th best NW

[chriwat]

Re: Chriwat Diary

got it NW thanks....i'll keep you posted