Unenforceable CCA with Very catalogue, help needed

[Deepie]

Re: Unenforceable CCA with Very catalogue, help needed

Havent heard anything for a while but Received a letter today regarding UE Very account saying debt has been assigned to Lowell portfolio. A letter from them reads:

Your account was sold to us on 22/06/12 because an outstanding balance remains blah blah blah .......

Before selling your account Shop direct have checked their records and can find no reason why this should remain unpaid we therefore request yo repay the debt immediately blah bla blah .....

If you do not repay this account we will send it to our debt collection department Lowell Financial ltd to recover what you owe, they could use the courts to help recover this debt or decide to send it to a home visit agency who will come to your house blah blah blah ....

What shall I reply with????

I would send this if it were me---> Account Sold whilst in Dispute

[stuffthebanks]

Re: Unenforceable CCA with Very catalogue, help needed

I would go with the account sold in dispute template if it were me

[stuffthebanks]

Re: Unenforceable CCA with Very catalogue, help needed

I would send this if it were me---> Account Sold whilst in Dispute

Darn Deepy you are quick, you beat me to it.....and i got so excited that i knew the answer to this one.....

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Haven't posted on here for a while so thought I'd do a quick update, the very account which has recently been past to Lowell: they have said they are awaiting a copy of my CCA from very and will be in touch when they have it .... That was around 3 weeks ago!!! My lloyds and loan and overdraft have been sent to different companies. I have had around 20 letters in the last month all just stating the same. Do you think it's time to send F&F letters as these are enforceable to finally try and get it over with or is it too early?

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

HELP NEEDED: ok so received a letter on Saturday from Lowell stating "your original creditor has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the Consumer Credit Act of 1974, we are not obliged to send you an exact copy of your signed agreement. We are permitted by those sections to provide you with a reconstituted copy of the version you would have signed." then they just go onto say that I need to make payment. What should I send?? Also, any ideas on whether f&f's should be considered to lloyds now?? Thanks.

[Riz]

Re: Unenforceable CCA with Very catalogue, help needed

Same as you were previously sent?

[Never-In-Doubt]

Re: Unenforceable CCA with Very catalogue, help needed

HELP NEEDED: ok so received a letter on Saturday from Lowell stating "your original creditor has provided us with the attached reconstituted copy of the credit agreement you entered into with them, which they confirm you would have signed prior to the granting of credit to you. Under section 77/78 of the Consumer Credit Act of 1974, we are not obliged to send you an exact copy of your signed agreement. We are permitted by those sections to provide you with a reconstituted copy of the version you would have signed." then they just go onto say that I need to make payment. What should I send?? Also, any ideas on whether f&f's should be considered to lloyds now?? Thanks.

Where do Lloyds come into things? Isn't this Lowell?

No, you should not make a F&F - I wouldn't anyway!

I would send this back and cease all payments (if any are being made) ---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Sorry Lloyds is separate, I have overdraft and loan with them which is enforceable.
Lowell is for Very Shop Direct.

[Never-In-Doubt]

Re: Unenforceable CCA with Very catalogue, help needed

Yes same unsigned agreement. Lloyds us separate enforceable debt, Lowell is very UE.

sorry? Your post above was going on about Lowell then it just said at the end a comment about Lloyds....

Try and stick to one post per account as that helps us to understand things and not give incorrect help....

So, regards Lowell and the catalogue debt, send the letter above. This: --> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

Regards Lloyds, see next post!

Thanks

[Never-In-Doubt]

Re: Unenforceable CCA with Very catalogue, help needed

My lloyds and loan and overdraft have been sent to different companies. I have had around 20 letters in the last month all just stating the same. Do you think it's time to send F&F letters as these are enforceable to finally try and get it over with or is it too early?

No, I would sit back and wait for now - are you even in a position to make F&F's?

What are the balances of the debt and what could you manage as far as F&F goes..?

Thanks

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Sorry, can understand the confusion. I stopped all payments around the end of last year (if I remember correctly). I have an overdraft and a loan with Lloyds both of which were taken out after 2008 and I was informed on here they will be enforceable so I stopped payments with an overall view of offering F&F's to pay it off. they have both been passed to different companies. I have received around 20 letters from these companies all
Just basically saying to get in touch to arrange a payment plan. Just wondered whether they might accept F&F's yet??
Haven't the foggiest how to post a link lol , not much of a computer whizz

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Sorry just seen your other reply, my overdraft was 2500 they stating 3000 now with fees added on an loan is 3300. I could muster 1000. Don't know what they would accept.

[Never-In-Doubt]

Re: Unenforceable CCA with Very catalogue, help needed

Sorry, can understand the confusion. I stopped all payments around the end of last year (if I remember correctly). I have an overdraft and a loan with Lloyds both of which were taken out after 2008 and I was informed on here they will be enforceable so I stopped payments with an overall view of offering F&F's to pay it off. they have both been passed to different companies. I have received around 20 letters from these companies all
Just basically saying to get in touch to arrange a payment plan. Just wondered whether they might accept F&F's yet??
Haven't the foggiest how to post a link lol , not much of a computer whizz

You might be better to sit tight with Lloyds for now, you say you have had lots of letters, can you confirm who the current owner is ie those currently chasing you?

But for now, I would leave it - they won't take a grand, it's too little...... but in time, this is dooable

[Bluemaiden123]

Re: Unenforceable CCA with Very catalogue, help needed

Just been going through all the paperwork (there's lots!!!) one was passed to wescot and one to apex credit but didn't realise they have both passed them on to solicitors. Oops! One is HL solicitors and the other is Nelson Guest and partners solicitors!!
How the hell I missed that I don't know, must of
Opened them, thought it was same rubbish and filed away. Should I be worried???? The one that wescot passed on just says limited period offer but the other says notice of pending legal action.

[Never-In-Doubt]

Re: Unenforceable CCA with Very catalogue, help needed

Can you clarify, wescott regards the catalogue account have sent the pending legal action? You need to send the letter as linked to above - do that asap.