Start of my diary

[Strepsi]

Tesco had previously supplied a CCA but if Lowell get jumpy you could send them another CCA

In the meantime you need a GDPR SAR on Tesco which will be interesting as this will be for YOU and not your Wife!

Probably makes sense to send Proof with the Recorded delivery GDPR SAR for 2018
1/ Copy of say a Passport or Driving License
2/ A Utility Bill within the last three months


Lowell portfolio I Ltd is FCA licensed

Hi,

Just updated - Type of Account: Tesco CC - Wife

I have sent a separate cca request for myself, I am still waiting on this information. So I will be sending for the wife with this to Tesco?

[Strepsi]

Hi,

Just updated - Type of Account: Tesco CC - Wife

I have sent a separate cca request for myself, I am still waiting on this information. So I will be sending for the wife with this to Tesco?

Checking through my posts, it appears to that I don't have a diary for my Tesco...will sort accordingly!

[Strepsi]

21st March 2018, 16:56
Originally posted by Strepsi View Post
Creation CC
Amount £4530
Account Opened 10/12/2013
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

Letter dated 17th July Lowell Financial

I have now received a letter lumping 3 accounts together (again), I have 6 letters previous to this. But this one is assessing my accounts for legal action, one of the accounts I am actually paying off with them. One is UE as previously mentioned, the other I cannot remember if I CCA'd or not. I have had no letters this year other than one I am going to up load shortly that relate individually to any accounts that I aren't dealing with.

Di, has previously mentioned that I need to let them know that one of them is UE, how best would I do that?

Is it common to get letters that lump accounts together?

[Strepsi]

Type of Account: Tesco cc D
Date Commenced: 18/7/2013
Approx Balance: £4400
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): Lowell Portfolio I

Tesco Bank 9th January 2018

We refer to your Tesco Card...was held at most recent address. We have decided to transfer (assign) to Lowell Portfolio I....

Lowell Portfolio I
We are Lowell Portfolio I ...this letter is intended to give you formal notice that your outstanding balance with Tesco Bank was assigned and sold to Lowell Portfolio I in November 2017.

I cannot remember whether I ever CCA'd this account. Since this notification, I haven't received any letter relating to this, when hasn't been grouped with other accounts.

Ok, it appears that I have CCA'd this, received a letter from Robinson Way date May 2017

We write to confirm that we have noted the dispute/query that you have raised.

We will make the necessary enquiries and let you know the outcome in due course. in the meantime we will stop all collection activity on this account.


I guess I will need to SAR this as it appears to have gone, to AIC, Robinson Way and now to Lowell. I did do a CCA request in September 2016 to AIC, requested signed for just input reference no. into track and trace, giving me a error message, guess it is going back too far!

[Strepsi]

Just out of curiosity, is there an argument to SAR all debts that we have (then it is done)? Not totally sure how it all works, massive learning curve this.

[Timewilltell]

Hi Strepsi,
I have done exactly this with all mine, however mine have been going on for two years thus far with letter tennis so imo you don’t need to do it straight away as remember any communication that they have with the OC’s will be logged to the account also so if you jump too soon you may miss a piece of information that would be beneficial to you later- such as what documents have been requested by and passed to the DCA/solicitors.

What I can tell you is this, whilst it may be very daunting at the outset for you the longer it goes on the more you learn and the more you see it for what it is the more you relax, you are surrounded by a wealth of knowledge and support here so you are not alone in your endeavour and if you feel stressed or can’t cope then post your fears and I’m sure someone on here can help you deal with it.

[Warwick65]

My own view is that sending SARS to everyone just means you have several filing cabinets full of papers and a small forest has been destroyed. With 20+ debts I have only ever sent 1 SAR and that was when they issued a claim against me. I found CCA's were enough- as it was I have one filing cabinet full of letters.

[Still Waving]

Just to add that, normally one would only send a SAR where the account has been sold on and the debt purchaser is getting really heavy. In those circumstances it is then useful to have all the information in the original creditor's file.

[Strepsi]

Just to add that, normally one would only send a SAR where the account has been sold on and the debt purchaser is getting really heavy. In those circumstances it is then useful to have all the information in the original creditor's file.

Thanks for the replies on this, I have a feeling that at some point it is going to heavy, all debts have now passed on to a dca one way or another. So I maybe investing in a filing cabinet!

[Strepsi]

Originally posted by Strepsi View Post
21st March 2018, 16:56
Originally posted by Strepsi View Post
Creation CC
Amount £4530
Account Opened 10/12/2013
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

Letter dated 17th July Lowell Financial

I have now received a letter lumping 3 accounts together (again), I have 6 letters previous to this. But this one is assessing my accounts for legal action, one of the accounts I am actually paying off with them. One is UE as previously mentioned, the other I cannot remember if I CCA'd or not. I have had no letters this year other than one I am going to up load shortly that relate individually to any accounts that I aren't dealing with.

Di, has previously mentioned that I need to let them know that one of them is UE, how best would I do that?

Is it common to get letters that lump accounts together?

I was wondering if someone could give some advice on this also. Cheers

[Roger]

Well the obvious action is to send a SWID to Lowell . I wouldn't be specific either about which CCA, Don't do DCA's work for them.
Creation sold you a pup! is the message!
https://www.all-about-debt.co.uk/for...%20Dispute.doc

[Warwick65]

Hi
Yes you could send a SWID letter however, from.personal experience Lowell may just source the agreement. Remember as well, a recon is sufficient as a cca is for info only and not proof.

I am not sure how a judge would feel about non compliance from the previous owner.

Of course a SWID might just get Lowell to return the debt to creation.

Technically the account is not in dispute if you follow FCA rules as disputes are supposed to be real issues as to if the debt is yours and the amount is correct.

I am just trying to explain the situation.

By the way, have they lumped the three accounts together under one reference number or have they quoted three account numbers.

To be honest without seeing the exact wording of the letter I can not say what I would do. Remember any letters you send could end up in a court bundle before a judge.

[Strepsi]

Hi
Yes you could send a SWID letter however, from.personal experience Lowell may just source the agreement. Remember as well, a recon is sufficient as a cca is for info only and not proof.

I am not sure how a judge would feel about non compliance from the previous owner.

Of course a SWID might just get Lowell to return the debt to creation.

Technically the account is not in dispute if you follow FCA rules as disputes are supposed to be real issues as to if the debt is yours and the amount is correct.

I am just trying to explain the situation.

By the way, have they lumped the three accounts together under one reference number or have they quoted three account numbers.

To be honest without seeing the exact wording of the letter I can not say what I would do. Remember any letters you send could end up in a court bundle before a judge.

Exact wording of letter from Lowell Financial...

Dear Mr

You have not agreed repayment plans on all of your outstanding accounts. (Which is incorrect)

Assessing your account for legal action
If we do not hear from you, we'll assess whether to take legal action to recover what you owe.

We believe the best way to understand your current circumstances is for you to tell us directly.

if you don't contact us, we'll rely on information available to us, such as information on your credit file to understand your financial situation. This will help us decide whether to take legal action.

Please contact us
We'd prefer to agree affordable repayments for your accounts without the need for legal action.

You can set up affordable repayments for your accounts without picking up the phone...


Top right hand side of letter, has three accounts with their reference no's. As mentioned one of these accounts I have an arrangement with them to pay and one is UE (Niddy).

[Timewilltell]

If I received that then I just leave it alone, they’ll soon write again.

[Warwick65]

Personally I would leave it alone as well.