Originally posted by Strepsi
View Post
- 8 October 2018, 12:22
Originally posted by Warwick65 View Post
Just to say, if you have sent it via RM signed for and they have not updated the website- in the past I have complained and received proof of delivery along with 6 first class stamps
I am not in favour of sending a 2nd request unless it benefits you - for example after two of my debts had been sold I sent new CCA requests which they couldn't satisfy (thank you cabot) and there was another 3K sorted
I know debt is hard work, I lost many many hours of sleep over it in the past but it does get easier and frankly what is the worst that can happen? They can not get blood out of a stone
The other morning received a reply from Lowell advising that they have received my request for CCA. They are going to contact Creation, curious as what they will send me...as SAR was a little vague.
Creation 9/07/2016
Your agreement has now been referred to Moorcroft Debt Recovery for collection for the collection of the overdue amount. Any further payment or contact regarding your agreement show now be made to...
Moorcoft 13/7/2016
Your account detail have been passed to us by Creation Financial Services, outstanding balance £4900
Moorcroft Debt 19/10/2016
Please find text from letter.
'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.
Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.
We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.
We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.
What do you think?
Creation 8/3/2017
I am disappointed to note that we have still not heard from you regarding payment of debt...
Creation 13/10/2017
We have been attempting to contact you for sometime to discuss this debt without success...
Creation 24/10/2017
Despite our efforts to contact you and assist you in clearing the above debt, by means of a repayment ...we therefore have no alternative but to sell this account to a debt purchaser.
You have 10 days from the date of this letter...
Creation Consumer Services Ltd 19/01/2018
We are writing to notify you that Creation Financial Services Ltd sold your account to Lowell Portfolio I Ltd on 27/12/2017. The total balance sold was £4800
Lowell Portfolio I Ltd 19/01/2018
We are Lowell Portfolio I Ltd, a specialist debt purchaser, which buys accounts from various organisations...The letter is intended to give you formal notice that your outstanding Asda account with Creation Financial Services Ltd was sold to Lowell Portfolio I Ltd on 27/12/2017. Lowell Portfolio I Ltd has instructed Lowell Financial Ltd to manage your account.
[I] Since then I haven't received any letters that directly relate to this debt, only letters that relate to three debts that they own.
Thank you for posting the full history which makes things a lot easier to follow
Unless I've misunderstood, you received a letter from Moorcroft in October 2016 which states that Creation Finance admit that they don't have your credit agreement.
Was that letter sent in response to a formal s 77-79 CCA Request ?
I'm pleased that Lowells haven't written to you since but if they do write post on your thread and it may make sense to reply letting them know the account is currently unenforceable (have you kept that Moorcroft letter?).
Hi Di,
Yes I still have the letter and documents, you haven't misunderstood and it was through a CCA request.
Cheers
I was wondering if someone could give some advice on this also. Cheers
Just received Data Access Report, I have forwarded some information for Niddy to take a look. I have never received this type of information, what should I be looking out for?
Should I send CCA Lowell regarding this debt, I feel the information (SAR) received was a little vague from Creation.
5th September
Prelegal Assessment Letter received from Lowell.
Having assessed our options we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan.
Please call us by -/9/2018
Best course of action?
Bit of a query, I sent a CCA request 'signed for' on Friday of last week, at the moment when I check the post office track and trace it just states that it has been posted.
Where does this leave me, Lowell wanted a reply from me this week otherwise they will commence with legal proceedings!
Letter received from Lowell
We refer to your recent request under section 77/78 of the consumer credit act 1974 for a copy of the documentation for this former Creation Financial Services Ltd Account. We have requested a copy of the documentation but have not received as yet.
This account remains on hold while we wait...
Judging what I saw from my SAR, will be interested what turns up!?
Last edited by Strepsi; 12 November 2018, 14:12.
Creation CC
Amount £4250
Account Opened -/12/2013
Default April 2016 (Finally...)
Creation /07/2016
Your agreement has now been referred to Moorcroft Debt Recovery for collection for the collection of the overdue amount. Any further payment or contact regarding your agreement show now be made to...
Moorcoft 1/7/2016
Your account detail have been passed to us by Creation Financial Services, outstanding balance £4700
Moorcroft Debt 1/10/2016
Please find text from letter.
'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.
Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.
We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.
We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.
What do you think?
Creation /3/2017
I am disappointed to note that we have still not heard from you regarding payment of debt...
Creation 1/10/2017
We have been attempting to contact you for sometime to discuss this debt without success...
Creation 2/10/2017
Despite our efforts to contact you and assist you in clearing the above debt, by means of a repayment ...we therefore have no alternative but to sell this account to a debt purchaser.
You have 10 days from the date of this letter...
Creation Consumer Services Ltd /01/2018
We are writing to notify you that Creation Financial Services Ltd sold your account to Lowell Portfolio I Ltd on /12/2017. The total balance sold was £4800
Lowell Portfolio I Ltd 01/2018
We are Lowell Portfolio I Ltd, a specialist debt purchaser, which buys accounts from various organisations...The letter is intended to give you formal notice that your outstanding Asda account with Creation Financial Services Ltd was sold to Lowell Portfolio I Ltd on /12/2017. Lowell Portfolio I Ltd has instructed Lowell Financial Ltd to manage your account.
[I] Since then I haven't received any letters that directly relate to this debt, only letters that relate to three debts that they own.
Thank you for posting the full history which makes things a lot easier to follow
Unless I've misunderstood, you received a letter from Moorcroft in October 2016 which states that Creation Finance admit that they don't have your credit agreement.
Was that letter sent in response to a formal s 77-79 CCA Request ?
I'm pleased that Lowells haven't written to you since but if they do write post on your thread and it may make sense to reply letting them know the account is currently unenforceable (have you kept that Moorcroft letter?).
Hi Di,
Yes I still have the letter and documents, you haven't misunderstood and it was through a CCA request.
Cheers
I was wondering if someone could give some advice on this also. Cheers
Just received Data Access Report, I have forwarded some information for Niddy to take a look. I have never received this type of information, what should I be looking out for?
Should I send CCA Lowell regarding this debt, I feel the information (SAR) received was a little vague from Creation.
5th September
Prelegal Assessment Letter received from Lowell.
Having assessed our options we intend to take legal action to recover this debt if you do not contact us to agree a repayment plan.
Please call us by -/9/2018
Best course of action?
Bit of a query, I sent a CCA request 'signed for' on Friday of last week, at the moment when I check the post office track and trace it just states that it has been posted.
Where does this leave me, Lowell wanted a reply from me this week otherwise they will commence with legal proceedings!
Letter received from Lowell
We refer to your recent request under section 77/78 of the consumer credit act 1974 for a copy of the documentation for this former Creation Financial Services Ltd Account. We have requested a copy of the documentation but have not received as yet.
This account remains on hold while we wait...
Judging what I saw from my SAR, will be interested what turns up!?
Received information regarding my CCA request to Lowell.
They have sent what appears to be a reconstituted agreement I will send to Niddy this week.
When I received it, it made check other information I have received. Just want to get some thoughts whether what I noticed is important:
The sold date on letter I received is different to the date on the printout (log) on my SAR.
The defaults date do not match.
The credit agreement start date is incorrect on statement on account.
On the credit agreement from Creation it doesn't state a variable interest rate on information from Creation it does.
It maybe meaningless, just was wondering 'how exact' their information needed to be.
Letter received last week.
Notice of Acting received from Overdale Solicitors...
"We are instructed to initiate legal proceedings against you unless you pay £amount...
They don't 'appear' to specify a deadline for my reply.
This one fascinates me...
Updated
Leave a comment: