Chriwat Diary

[chriwat]

Re: Chriwat Diary

Morning everyone...latest letter from Lowell today titled Pre-Legal Assessment....content below
Important-legal action
We will take legal action to recover the outstanding balanceif you do not contact us to advise why the account has not been paid, or agreerepayment. You can set up a repayment plan by registering at www.lovell.co.uk or by calling us on 0333556 5734.
Legal action means that a writ or summons, dependent on thesize of your balance will be issued by the Court demanding payment of this debt.
It will also result in fees and interest being added to youraccount, which will increase the ampunt you owe.
20% discount offer
To avoid further recovery action, we’re prepared to writeoff 20% off your balance-if you set up a repayment plan by 14/9/16.
This means you would pay £4201.77

[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
20/8/16 Pre Legal Assessment letter from Lowell
5/9/16 2nd Pre Legal Assessment letter from Lowell with discount offer

[nightwatch]

Re: Chriwat Diary

have you sent, Lowells a SWID?, if not I would send one now xxx

[chriwat]

Re: Chriwat Diary

I haven't sent one to Lowells....do you think that's best course of action or still ignore them?
Thanks :-)

[nightwatch]

Re: Chriwat Diary

I don't think it will do any harm, it is in dispute and they are harrassing you, they are also offering a discount which makes you wonder why if they are so sure they have a good case against you xx

[chriwat]

Re: Chriwat Diary

thanks nightwatch...been away for a few days so will get it sent away and keep you posted :-)

[chriwat]

Re: Chriwat Diary

Received letter today from Lowell stating we will be instructing solicitors to take legal action if we do not agree repayment of this debt by 29/9/16. Our discount offer is still available until 29/9/16.

We have been away so only sending SWID letter today

Hope its not too late

[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
20/8/16 Pre Legal Assessment letter from Lowell
5/9/16 2nd Pre Legal Assessment letter from Lowell with discount offer
26/9/16 Letter from Lowells saying they will be instructing solicitors to take legal action
26/9/16 SWID letter sent to Lowells

[MrsD]

Re: Chriwat Diary

I think I would send the LBA response for this one, how much are we talking about here?

[The Tech Clerk]

Re: Chriwat Diary

defiantly send LBA letter

[chriwat]

Re: Chriwat Diary

hiya....amount is £5252.21.....their discount offer is £4201.77.
So send LBA instead of SWID?

[chriwat]

Re: Chriwat Diary

hi guys and gals, SWID letter sent.....should I hang fire before I send LBA?
Thanks

[MrsD]

Re: Chriwat Diary

get the LBA away now, hopefully it will arrive the day after they have the SWID

[chriwat]

Re: Chriwat Diary

Thanks Mrs D x

- - - 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
5/9/16 2nd Pre Legal Assessment letter from Lowell with discount offer
26/9/16 Letter from Lowells saying they will be instructing solicitors to take legal action
26/9/16 SWID letter sent to Lowells
29/9/16 LBA sent to Lowells

[chriwat]

Re: Chriwat Diary

5/10/16 Letter from Lowells replying to my request for documentation. account on hold and aim to provide it within 12 days as they have requested from Creation. If they haven't heard from Creation within 40 days they will send me an update