dajomel UE Diary

[dajomel]

Re: dajomel UE Diary

Sounds like a plan In-2-Deep.

Just to re-iterate, I sent a CCA Request off in 2008 to CL Finance and heard nothing for 3.5 years and then heard from Lowell who have since claimed that CL Finance never received a CCA Request. Unfortunately I was stupid and have no proof of sending it, though I know I did as I sent 4 off to different companies and the other 3 received them.

Anyway, would just like a second opinion that In-2-Deep's usually sound advice is the current best course of action (no offence to In-2-Deep)

Many thanks

[Deepie]

Re: dajomel UE Diary

Sounds like a plan In-2-Deep.

Just to re-iterate, I sent a CCA Request off in 2008 to CL Finance and heard nothing for 3.5 years and then heard from Lowell who have since claimed that CL Finance never received a CCA Request. Unfortunately I was stupid and have no proof of sending it, though I know I did as I sent 4 off to different companies and the other 3 received them.

Anyway, would just like a second opinion that In-2-Deep's usually sound advice is the current best course of action (no offence to In-2-Deep)

Many thanks

No offence taken......

[garlok]

Re: dajomel UE Diary

Send it. Lowlifes won't read it anyway. The other thing you could do is put Lowells on the back foot and send them the CCA request. They claim to be current owners of the alleged account, therefore they must do the work. It depends just how nasty you want to be. When they started on me I put them on the maximum pain as well by starting them off on a course of AAD medication. It costs a quid plus recorded delivery postage. Pretty big savings there.

They backed down at the first hurdle and closed the accounts concerned.

regards
Garlok

[dajomel]

Re: dajomel UE Diary

Send it. Lowlifes won't read it anyway. The other thing you could do is put Lowells on the back foot and send them the CCA request. They claim to be current owners of the alleged account, therefore they must do the work. It depends just how nasty you want to be. When they started on me I put them on the maximum pain as well by starting them off on a course of AAD medication. It costs a quid plus recorded delivery postage. Pretty big savings there.

They backed down at the first hurdle and closed the accounts concerned.

regards
Garlok

AAD medication? Blonde momemt here but what does AAD mean?

[garlok]

Re: dajomel UE Diary

Hi daj,

"AAD" is our speak for allabout debt, this very site

Hence the course of painful medication for DCAs starts with the CCA request letter here:-

>CCA Request

and if the response is UE paperwork then it gets more painful for them as the proceedure is followed. It lets them know that you are not just going to roll over, it lets them know that they will have to start doing some work, and all of these templates are worded to ensure that you do not acknowledge the debt in any way and hence once payments have ceased the Statute barring (SB) clock has started ticking as well.

regards
Garlok

[dajomel]

Re: dajomel UE Diary

How I didn't work out the AAD bit I don't know

OK I will send the CCA request off and and see what happens.

Thanks In-2-Deep and Garlok, much appreciated.

[dajomel]

Re: dajomel UE Diary

Lowell Portfolio previously CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd
21/10/2011: received letter from Lowell Financial saying I haven't been in touch about the debt Lowell Portfolio I Ltd now own.
24/10/2011: sent unenforeable letter to Lowell Financial as suggested.
11/11/2011: received letter from Lowell Financial
09/12/2011: received letter from Lowell Portfolio I
19/12/2011: received letter from Lowell Financial
05/01/2012: received letter from Lowell Financial
19/01/2012: received letter from Lowell Financial
23/01/2012: sent CCA request to Lowell Financial via recorded delivery as suggested.

Hi All,

Thanks again to Garlok and In-2-Deep. I have sent off a CCA Request letter to Lowell Financial, including a cheque for £1 signed with a different signature, today as suggested.


Will wait and see what these muppets come with next. As always, I will keep you fab people updated as and when they reply.


As an aside, I've not heard anything from Transcom/Arrow for 10 months now which is a first for the Paragon debt they are dealing with. I've never gone more than a couple of months before being harrassed by them. I'm sure something will occur soon but enjoying the peace and quiet


Many thanks again and I'll be in touch.


PS, liking the new look site associated with these great forums

Cheers

Dave

[Never-In-Doubt]

Re: dajomel UE Diary

AAD medication? Blonde momemt here but what does AAD mean?

Niddy goes off to cry

[dajomel]

Re: dajomel UE Diary

Niddy goes off to cry

Sorry Niddy but I was having a major blonde moment and given all the abbreviations involved with all this it just didn't click!!!

Forgive me?

[Never-In-Doubt]

Re: dajomel UE Diary

Forgive me?

Haha - it was funny actually.....

[dajomel]

Re: dajomel UE Diary

Just tracked my letter and it was delivered yesterday, 24/01/2012 so I will give them 12+2 days to respond which will take us to 11/02/2012.

Lets see what a load of testicles they come up with next

[mk_chatham]

Re: dajomel UE Diary

Just tracked my letter and it was delivered yesterday, 24/01/2012 so I will give them 12+2 days to respond which will take us to 11/02/2012.

Hi Dave

Don't forget that after that time, if they haven't responded they are in default. There is no need to send a chaser after the 12 + 2 days. You may know that already, just thought I would mention it in case you were thinking about 'reminding' them.

Let them do the work and dig a bigger hole for themselves

MK

[dajomel]

Re: dajomel UE Diary

Lowell Portfolio previously CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd
21/10/2011: received letter from Lowell Financial saying I haven't been in touch about the debt Lowell Portfolio I Ltd now own.
24/10/2011: sent unenforeable letter to Lowell Financial as suggested.
11/11/2011: received letter from Lowell Financial
09/12/2011: received letter from Lowell Portfolio I
19/12/2011: received letter from Lowell Financial
05/01/2012: received letter from Lowell Financial
19/01/2012: received letter from Lowell Financial
23/01/2012: sent CCA request to Lowell Financial via recorded delivery as suggested.
03/02/2012: received letter from Lowell Portfolio I

Hi All,

Received a letter from Lowell Portfolio I (not Financial who I sent the CCA request to) saying that they have requested a copy from the original lender. Given that they have bought the debt then shouldn't they have a copy already? Also, what are the chances of HSBC having the agreement for a defaulted credit card taken out between 2000-2002???

Fingers crossed

Will keep you posted.

[dajomel]

Re: dajomel UE Diary

Lowell Portfolio previously CL Finance(Originally HSBC Credit Card)

Credit Card taken Out: Pre 2002.
Current Balance: £4624
Full Payment: Unsure at this time. Last reduced payment - March 2008
Not paying
Default: 26/03/2004 - £5316

10/04/2008: sent CCA request(my own version)
Heard nothing since, not even a dispute.
13/10/2011: received letter stating debt sold to Lowell Portfolio I Ltd
21/10/2011: received letter from Lowell Financial saying I haven't been in touch about the debt Lowell Portfolio I Ltd now own.
24/10/2011: sent unenforeable letter to Lowell Financial as suggested.
11/11/2011: received letter from Lowell Financial
09/12/2011: received letter from Lowell Portfolio I
19/12/2011: received letter from Lowell Financial
05/01/2012: received letter from Lowell Financial
19/01/2012: received letter from Lowell Financial
23/01/2012: sent CCA request to Lowell Financial via recorded delivery as suggested.
03/02/2012: received letter from Lowell Portfolio I
14/02/2012: received letter from Lowell Portfolio I

Hi All,

An unexciting update but an update none-the-less. I received a letter from Lowell Portfolio I today, as an update for an the ongoing CCA request. It goes along the lines of:

We have been in touch with HSBC about the copy of your credit agreement.

They have let us know they are trying o retrieive te agreement from their archive. As soon as we have it, we will send it to you.

In the event we cannot obtain a copy of the agreement we will write to you again and inform you of this. Once you have seen the credit agreement, we will ask you to pay your outstanding balance in full.

-----------------------------------------------------------------------

So, we shall wait and see. Next Tuesday is the end of the 12+2 days, though realise they can materialise the CCA at any time.

I will keep all you fab people updated as and when I know something.

[MrsD]

Re: dajomel UE Diary

bet they can't find it...................