dajomel UE Diary

[dajomel]

Re: dajomel UE Diary

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

That's my thoughts too. I mean, the card was taken out over 10yrs ago!!!

[Fribourg]

Re: dajomel UE Diary

I had the same letter from Lowell, this was for a Lloyds TSB CC, and a few months later I received a letter saying that they couldn't find it at all and that they dropped the chase, so I believe you will receive the same letter as I did, and keep it in a safe place in case you will need it in the future.

[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
22/02/2012: received letter from Lowell Portfolio I

Hi Again,

Tis only me with the latest update

I have heard again from Lowell Portfolio I and this is the highly exciting letter they sent:

I am afraid we have not received a copy of your credit agreement from HSBC yet. They are still trying to retrieve it from their archives. We have placed your account on hold until we receive further information.

When we have received it from them we will post it to you straightaway.

We won't write to you again until we have the agreement, but if you have anymore questions in the meantime, please do phone us on .....

So, looks like we may have an AWOL CCA here ... WOO HOO!!!

[Deepie]

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
22/02/2012: received letter from Lowell Portfolio I

Hi Again,

Tis only me with the latest update

I have heard again from Lowell Portfolio I and this is the highly exciting letter they sent:

I am afraid we have not received a copy of your credit agreement from HSBC yet. They are still trying to retrieve it from their archives. We have placed your account on hold until we receive further information.

When we have received it from them we will post it to you straightaway.

We won't write to you again until we have the agreement, but if you have anymore questions in the meantime, please do phone us on .....

So, looks like we may have an AWOL CCA here ... WOO HOO!!!

just file &......................

[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
22/02/2012: received letter from Lowell Portfolio I
15/03/2012: received letter from Lowell Portfolio I

Hi All,

Hope this finds you all keeping well and currently hassle free from the muppets and idiots out there

Anyway, I received a letter from Lowell today saying that .... drum roll .... THAT HSBC CAN'T FIND THE ORIGINAL AGREEMENT due to the length of time since the card was taken out!!! Therefore I declare this:



RESULT!!!

Many thanks to you all regarding this!!

As you can see from the other debts, I haven't been contacted by any for over a year now and 3 out of the three aren't even on my Credit file (neither is the Lowell/HSBC one). So, fingers crossed in 2 years time I'll be all clear after the Transcom/Paragon one comes off!!!

[Deepie]

Re: dajomel UE Diary

Great result...........

[swanfan]

Re: dajomel UE Diary

Well done!

[samsmum]

Re: dajomel UE Diary

Great news. Well done

[Oct Revolution]

Re: dajomel UE Diary

Congratulations - well done

[Slickfm]

Re: dajomel UE Diary

Happy days, well done

[Susie]

Re: dajomel UE Diary

Well done, thats another picture frame needed!

[dajomel]

Re: dajomel UE Diary

Thanks to everyone for your help and support with all of this. I know nothing is definite but I am feeling happier about things and like there is light at the end of the tunnel

[greymatter]

Re: dajomel UE Diary

RESULT
GM

[dajomel]

Re: dajomel UE Diary

Hi Guys and Girls,

Just a quick little question based on pure curiosity. This question is based on the fact that Transcom/Paragon sent a copy of a CCA that is technically unenforceable which I challenged (thanks Niddy) and have not heard anything from them. Also, as far as I recall, they never sent a Default Warning Letter before issuing a Default on my account in 2008.

What my question is, would it be worth challenging them to get the default removed given they never sent a warning letter before issuing it?

I am asking as the default is the last remnant of my stupidity and is due to remain on my file for a further 2 years. Not necessarily an issue but my partner and I would like to move (personal reasons) and obviously the default will cause an issue with getting a mortgage, despite my partner having a large amount of equity (70k+) in her property.

I suspect it'll be a case of just see it out but just thought I would throw this out there to you most excellent bunch of dudes and dudettes (Bill & Ted's fan here)

[nanna58]

Re: dajomel UE Diary

dudette....... who me? shucks