WannabDebtFree UE Diary

[WannabDebtFree]

Re: WannabDebtFree UE Diary

Hi All,

Is there anyone able to help me with the above. Mainly I just need help with the Lowell - Cap one saga. I need to know if the CCA they sent, if indeed it is one, is enforceable.

Thanks in advance!

[Deepie]

Re: WannabDebtFree UE Diary

Hi All,

Is there anyone able to help me with the above. Mainly I just need help with the Lowell - Cap one saga. I need to know if the CCA they sent, if indeed it is one, is enforceable.

Thanks in advance!

Have you emailed it to niddy for a look.....?

[WannabDebtFree]

Re: WannabDebtFree UE Diary

Not yet because I was waiting for a reply. I sent a message to ask if I can send it over. What e-mail address shall I use?

[Deepie]

Re: WannabDebtFree UE Diary

Not yet because I was waiting for a reply. I sent a message to ask if I can send it over. What e-mail address shall I use?

See niddy's signatute....
Never-in-Doubt (Niddy) is the Forum & Site Owner/Administrator. Any help & support given is on the strict understanding that it is just that - free help (not advice). I am not a qualified Financial Advisor and do not claim to be, nor do I offer Financial Advice.

All content on the forum is copyright of allaboutFORUMS and must not be replicated without express prior permission from site management.

If you need to contact me or report abuse, use the relevant link below, however to send an agreement please click the dedicated link called "E-Mail CCA" as agreements emailed anywhere else will not be responded to; alternatively why not upload your agreement to the new Secure Section.

[Never-In-Doubt]

Re: WannabDebtFree UE Diary

Arrow - Natwest Credit Card

I wrote back to them requesting a CCA as they sent me back the cheque last time and wanted me to verify my address.

Letter back from them on 11 October sending the cheque back again "We note the content of your letter as previously stated in our letters we will not comply with your address unless you verify your address. We therefore return your postal order for £1.00"

Ok, fine - that's them being deliberately obtrusive and so they'll struggle to take action. Just ignore them and store this letter safely, with the others.

keep us updated if and when they next respond.

[Never-In-Doubt]

Re: WannabDebtFree UE Diary

Lowell - O2

Letter from Red 5 September account passed t us.

Letter from Lowell 9 September putting account on hold for 30 days.

Sent SAR to O2 on 4 October no response to date.

10 October letter from Red account has been passed to us arrange payment.

They e-mailed me a couple of times and I stated I have sent an SAR to O2 and am awaiting a response.

24 October letter from Lowell - We note your comments and have placed your account on hold for 30 days so that you can contact us with payment proposals.

No SAR yet and I want to get Lowell off my back!

You need to sit tight, SAR takes 40 days - whilst you're awaiting it ignore the Leeds losers....

[Never-In-Doubt]

Re: WannabDebtFree UE Diary

Mackenzie Hall - second letter dated 21 October

They have details of the debt

Pursuers: Capquest
Sky Card
Sum £4,670 (interest still being applied it seems)

"Despite previous correspondence you have failed to respond. We have obtained this alternative address as a financial link, linking this address to the previous abode. The financial link information was supplied by a credit reference agency.

We have been instructed by our client to recover this overdue account on their behalf.

Our clients have informed us that they are unaware of any legitimate reason for non-payment of their account and although they would prefer an amicable settlement they will not hesitate to take further action as may be appropriate.

Payment deadline: 28 October 2011."

This came just after I had phoned and stated no longer at that address. I am worried about this lot though. Dont want this lot at my parents' door. They are real bullies! I dealt with them before.

That is everything.

Thanks in advance!

Are you saying you moved FROM your parents and the address they have is at your parents? Or have you moved into your parents? I'm confused.....?

However it doesn't matter, they aint bullies - they are arseholes who try and intimidate, a bully needs to succeed in their attempted intimidation, these clowns cannot intimidate you if you keep us posted and stay calm about this.

Please clarify the above points, then i'll try help further

[Never-In-Doubt]

Re: WannabDebtFree UE Diary

Hi All,

Is there anyone able to help me with the above. Mainly I just need help with the Lowell - Cap one saga. I need to know if the CCA they sent, if indeed it is one, is enforceable.

Thanks in advance!

what CCA? have you mailed it to me? If not how can we ever tell if it's enforceable....?

* see my signature for details of how to get it to me!

[WannabDebtFree]

Re: WannabDebtFree UE Diary

I have mailed it through to you now. Thanks

[Never-In-Doubt]

Re: WannabDebtFree UE Diary

just waiting for my email client to update - it says * receiving message 23 of 96 (9.87MB of 122.9MB)

so may take a few mins - bear with me

[WannabDebtFree]

Re: WannabDebtFree UE Diary

Yikes!

Okay, no probs!

[Never-In-Doubt]

Re: WannabDebtFree UE Diary

Capital One - shitty balance of £770 so they aint gonna risk pursuing this through the courts, if they did they'd be total

However it's quite unenforceable - check (as named in your email)

scan0008.jpg - APR = 29.9%

scan0013(2).jpg - APR = 35.9%

Respond as follows: ---> CCA Query - Missing Prescribed Terms

[WannabDebtFree]

Re: WannabDebtFree UE Diary

Excellent news Niddy. Thank you so much. I will fire that letter off to them ASAP.

I am going to send Arrow Global a failure to comply with CCA letter as they have returned the cheque again.

I am going to send a further letter to O2, failure to comply with SAR and xopy Lowell into together with a complaints form to the ICO.

It is M Hall I am terrified of!

[Never-In-Doubt]

Re: WannabDebtFree UE Diary

I am going to send Arrow Global a failure to comply with CCA letter as they have returned the cheque again.

I am going to send a further letter to O2, failure to comply with SAR and xopy Lowell into together with a complaints form to the ICO.

It is M Hall I am terrified of!

why are you gonna do this? Read my posts above.........

[WannabDebtFree]

Re: WannabDebtFree UE Diary

Ok, fine - that's them being deliberately obtrusive and so they'll struggle to take action. Just ignore them and store this letter safely, with the others.

keep us updated if and when they next respond.

Okay, thanks. So I won't bother sending a failure to comply with CCA then.

So sorry. I hadnt even seen you had replied to all my other points as I was so caught up in the Cap 1 saga!