Start of my diary

[Joanna Connolly Solicitors]

15th January 2018
Dear

We are writing to notify you that Creation Financial Services sold your account to Lowell Portfolio I Ltd on 27th.

The total balance sold was £4968.

Lowell Financial Ltd has been appointed by Lowell Portfolio I Ltd to manage your account.


What is my next step?

Was that letter from Creation Financial Services or from Lowell ?

It was sent over two months ago, so have you heard anything since?

Di

[Strepsi]

Sorry Di, hard to quote via phone. That letter was from Creation.

I have received others since that lump together other debts that they own.

Cheers

[Still Waving]

Hi

with respect, your answers are tending to be short and cryptic, and you seem not to be providing detail of all correspondence. If you are to receive meaningful targeted assistance, you really need to provide full ongoing history of the accounts.

[Strepsi]

Sorry, with regards this debt, I thought I was clear and answered question. With the info of previous correspondence regarding the UE?

Unless I am missing something.

[Joanna Connolly Solicitors]

That letter was from Creation.

I have received others since that lump together other debts that they own.

So Creation have sent you a “Goodbye” letter (Notice of Assignment) from them to Lowell. Have you received a “Hello” Letter (NOA) from Lowell Portfolio?

A debt owner should only write to you about one debt in a letter, so have they sent you letters which include other accounts they own?

If so update each of your diary posts with whatever Lowells have said about them individually - requoting your original post is the best way for members to follow the trail.

What is the number of your original post for the Creation debt?

Di

[Strepsi]

Creation CC
Amount £4630
Account Opened 2/12/2013
Default 27th April 2016 (Finally...)

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 £4968.38

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?[/QUOTE]


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 £4968.38...

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.

Since then I haven't received any letters that directly relate to this debt, only letters that relate to three debts that they own. Tesco Credit Card and a HP agreement that through advice from Niddy I am on a payment plan.

I hope this paints a better picture?

[Strepsi]

Type of Account: B of S cc
Date Commenced: 2/10/2013
Approx Balance: £1000
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): PRA Group

Re: CCA Reply received Bank of Scotland

Originally posted by Strepsi View Post
Re: request for information section 77 - 79 Consumer Credit Act 1974

Dear...

I am in receipt of your correspondence in relation to the above account and have requested the required information.

We will contact you to provide an update as soon as possible...
Dated April 2017
PRA Group
Outstanding balance 1000
Original Creditor B of S

We are disappointed to see that you have failed to respond to our attempts to contact you regarding your outstanding debt.

Our account managers will now start a full investigation into your personal circumstances which will include some of the following...

We can only assist you if you get in touch with us. If we fail to hear from you within 14 days of the date of this letter, this will leave us no alternative but to consider what action would be appropriate to collect this debt in full.

Letter received 2/06/2017 PRA GROUP

I refer to your request for copy documentation regarding the above account.

Please find enclosed documentation received to date; we are awaiting further documents inorder to complete your request. We have currently deemed this debt as unenforceable which means we are not able to take court of further enforcement action...

Please be advised that this does not mean that your debt has been written off, despite being unenforceable, we are still legally entitled to:
* Contact you and ask you to pay what you owe
* Pass your details onto a third party collection agency.

If we obtain information in the future we will of course provide this to you immediately.

PRA GROUP 15/3/2017
In order to comply with our obligations under the Consumer Credit Act 1974, we are providing you with this statement of your account - ..........

Still no credit agreement?!

[Strepsi]

So Creation have sent you a “Goodbye” letter (Notice of Assignment) from them to Lowell. Have you received a “Hello” Letter (NOA) from Lowell Portfolio?

A debt owner should only write to you about one debt in a letter, so have they sent you letters which include other accounts they own?

If so update each of your diary posts with whatever Lowells have said about them individually - requoting your original post is the best way for members to follow the trail.

What is the number of your original post for the Creation debt?



Di

Sorry just spotted this now, had a number of letters mentioning other debts that they own, I have touched on this in previous post. One of which is with Tesco..., I will update post accordingly for this, will aim for this to happen towards end of this week.

[Joanna Connolly Solicitors]

Creation CC
Amount £4630
Account Opened 2/12/2013
Default 27th April 2016 (Finally...)

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 £4968.38

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 £4968.38...

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?).

Di

[Strepsi]

21st March 2018, 16:56
Originally posted by Strepsi View Post
Creation CC
Amount £4630
Account Opened 2/12/2013
Default 27th April 2016 (Finally...)

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 £4968.38

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 £4968.38...

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

[Strepsi]

Type of Account: Next Direct
Date Commenced: 6/5/2008
Approx Balance: £4427
Date last paid: Approx beginning of 2016
Are you on arrangement to pay or not paying: Not paying
Status (Default/ in arrears/ up to date): Default
Account Owner (DCA or Lender): Cabot Financial

Niddy has informed me that this debt is UE

11/01/2017 NEXT
We are writing to inform you that your outstanding debt and all our rights and obligations as a creditor... have now been sold to Cabot Credit Management Group on the 9th December 2016.

21/04/2017 Cabot
Your outstanding balance - potential legal action

CCA request sent

10/05/2017 - Cabot
Thank you for your request for information under sections 77-79 of the CCA 1974.
We currently do not have this information on file. However I have requested details, which will include a copy of the credit agreement, statement of account and varied terms and conditions from the original lender.

13th February 2018 Cabot Financial
Your request for information under the consumer credit act.

Unfortunately we have not been able to provide you with the requested information within the relevant time period...Your account is currently unenforceable, which means we are not permitted to obtain a judgement against you...

29th March 2018 Cabot Financial
At the moment we don't have any payments being received on your account or commitment to a repayment plan.

As a reasonable next action to recover the outstanding balance your account has been reviewed for legal action.

You need to contact us within 28 days so that we can prevent this from happening.

We can help you avoid this
There are a number of flexible solutions....


Thoughts please?

[Roger]

[A] . 13th February 2018 Cabot Financial
Your request for information under the consumer credit act.

Unfortunately we have not been able to provide you with the requested information within the relevant time period...Your account is currently unenforceable, which means we are not permitted to obtain a judgement against you...


[B] . 29th March 2018 Cabot Financial
At the moment we don't have any payments being received on your account or commitment to a repayment plan.
As a reasonable next action to recover the outstanding balance your account has been reviewed for legal action.
You need to contact us within 28 days so that we can prevent this from happening.
We can help you avoid this. There are a number of flexible solutions....
Thoughts please?

Make certain you have that letter [A] 13th February 2018 safe and sound with envelope(dated as to when received).
When I received a similar letter - "

NIDDY so now you go off radar. No more contact yea!"

[B] Cabot are sending out these Template letters, and before the 28 days are up following them up with another of a similar Template.

Ignore this!! Wait and see what comes next! [A] They know the legal position here!

[Strepsi]

Make certain you have that letter [A] 13th February 2018 safe and sound with envelope(dated as to when received).
When I received a similar letter - "

NIDDY so now you go off radar. No more contact yea!"

[B] Cabot are sending out these Template letters, and before the 28 days are up following them up with another of a similar Template.

Ignore this!! Wait and see what comes next! [A] They know the legal position here!

Cheers...

[Strepsi]

[A] . 13th February 2018 Cabot Financial
Your request for information under the consumer credit act.

Unfortunately we have not been able to provide you with the requested information within the relevant time period...Your account is currently unenforceable, which means we are not permitted to obtain a judgement against you...


[B] . 29th March 2018 Cabot Financial
At the moment we don't have any payments being received on your account or commitment to a repayment plan.
As a reasonable next action to recover the outstanding balance your account has been reviewed for legal action.
You need to contact us within 28 days so that we can prevent this from happening.
We can help you avoid this. There are a number of flexible solutions....
Thoughts please?
Make certain you have that letter [A] 13th February 2018 safe and sound with envelope(dated as to when received).
When I received a similar letter - "
NIDDY so now you go off radar. No more contact yea!"

[B] Cabot are sending out these Template letters, and before the 28 days are up following them up with another of a similar Template.

Ignore this!! Wait and see what comes next! [A] They know the legal position here!


Letter dated 10th May 2018.

We have tried to contact you on several occasions to discuss your account. As we have not heard from you, we are referring your account to Mortimer Clarke Solicitors.

Mortimer Clarke Solicitors will want to speak to you within the next seven days where they will review your situation and help you to arrange the most suitable solution for you based on your circumstances.

Thoughts please.

[nightwatch]

I would wait and see what mortimer Clarke send you,
As Cabot have admitted they cannot supply the items requested and have also stated they cannot obtain a judgment against you. I would love to see what MC come up with.