*Discontinued* Lowells, Fredrickson and Bryan Carter - Land of Leather- Advise Please

[Amethyst]

Re: Advice Please Account on hold ?

Hi Molly,

Can you just confirm this is the same case an dI'll merge the threads.

Good Afternoon.
I will try to make this as brief as possible :
Purchased a couple of (part leather !) settees from Land of Leather . Encouraged to take 12 month Interest Free Creation Finance .(2006)
Husband refused to date the doc as he said it would only be 12months on delivery , stating he would sign on delivery. They agreed. Copy of unsigned credit agreement attached to sales and delivery reciept. We ended up not paying the original amount as we had unwittingly gone passed the date of the agreement by a month, what date ? Not signed a credit agreement.
A second agreement had been drawn up by a member of staff unbeknown to us, signed fraudulently by a memeber of staff (a copy I obtained by a long process and a £1.00 payment) I have both the original and the Micky Mouse copy . I complained to Creation Finance stating the copies did not match and that there was a very large discrepancy. My last written correspondence was Oct 2nd 2007, no money has been paid.
Outcome; No contact and Debt sold to Lowell

Lowell , we had Moorcroft, Westcroft etc etc chase us, I refused to acknowledge any correspondence considering the fraudulent action taken and ignored by Creation Finance. A fraudulent signature is not acceptable on a credit agrrement ? If so no contract ?

Out of the blue a letter a couple of weeks ago from Fredrickson, numerous phone calls , late at night , text messages daily to my husbands phone and a call to his place of work.
Then this weekend a letter from Bryan Carter with the famous June 24th date I have noticed on other members threads. Legal action may be taken etc.....
I have all copies of my correspondence up untill the Oct 2nd 2007 and response from C.F.
My husband has two default cases on his credit record, one from C.F. and the other from Lowell 2010.
Is this statue barred now or not ?
If yes, how can I get these bad credits removed ?
I intend to send a S.B. to Byan Carter, Fredrickson and Lowell.
Any adivse by any of you in the know would be gratefully appreciated. Thank You

Ta xx

[Amethyst]

Re: Advice Please Account on hold ?

Still need to follow the first steps - acknowledge the claim, and send a CPR and a CCA request. - see http://www.legalbeagles.info/forums/...it-Court-Claim


So did you ever pay anything off this loan?

[molly001]

Re: Advice Please Account on hold ?

Still need to follow the first steps - acknowledge the claim, and send a CPR and a CCA request. - see http://www.legalbeagles.info/forums/...it-Court-Claim


So did you ever pay anything off this loan?

Morning Amethyst.
Never paid a penny as the finance docs were tampered with .

[molly001]

Re: Advice Please Account on hold ?

Yes this is the case .

[Kati]

Re: Advice Please Account on hold ?

Yes this is the case .

I've merged them for you :tinysmile_grin_t:

[molly001]

Re: Advice Please Account on hold ?

Morning Amethyst.
Never paid a penny as the finance docs were tampered with .

Letters ready to send recorded and on line acknowledgement defending case done. Cheers

[FlamingParrot]

Re: Advice Please Account on hold ?

Letters ready to send recorded and on line acknowledgement defending case done. Cheers

Got your PM. :typing:

I see you've got your letters out, just remember to keep an eye on the timescales. :clock:

If you are sure it's SBd, then you can just submit a SBd defence when the time comes, even without the documents. This is just procedure. :thumb:

Do post up when you hear from them (or not, as it's more likely to be the case knowing the parties involved).

[molly001]

Re: Advice Please Account on hold ?

Got your PM. :typing:

I see you've got your letters out, just remember to keep an eye on the timescales. :clock:

If you are sure it's SBd, then you can just submit a SBd defence when the time comes, even without the documents. This is just procedure. :thumb:

Do post up when you hear from them (or not, as it's more likely to be the case knowing the parties involved).

Many thanks FP . what happens next ? On line said I was going to defend , who writes to me now ? The court ? When you say keep an eye on the time /dates is it down to me to write a defence without paper work ? Confussed :tinysmile_cry_t:

Thanks again ,
Molly

[FlamingParrot]

Re: Advice Please Account on hold ?

Many thanks FP . what happens next ?On line said I was going to defend , who writes to me now ? The court ?

The court won't write to you at this stage. Presumably you sent the CCA request to Lowell and CPR request to BC. They are supposed to respond, in theory Lowell should respond in 14 working days and BC in 7 days. but I'd say you have a better chance of winning the lotto than of getting any documents from either of them. :flypig: :flypig:

There's no need to chase the CCA request but once the 7 days are up, you'll have to contact BC. Having said that, none of the documents requested would prove that the debt is SBd as such, the idea is to follow the process and have a sort of back-up plan in case this turned out not to be SBd.

When you say keep an eye on the time /dates is it down to me to write a defence without paper work ? Confussed :tinysmile_cry_t:

I know this is all very confusing. The paperwork won't show that the debt is SBd as I said above. You have a total of 33 days from date on claim to submit your defence. If you are sure it's SBd then you can just go on and submit a SBd defence. If you do, the onus would be on THEM to PROVE it isn't. :thumb:

Once you submit a defence, the court will send a copy to BC who will have 28 days to respond saying whether they wish to proceed with the claim or not. It's only after that happens when you will expect to hear from the court. :ranger:

[molly001]

Re: Advice Please Account on hold ?

Thank you once again. The debt was from 2006 july (12 month intrest free) period till July 2007. Payments were ever made as the documentation was tampered with . This debt was sold to Lowell in 2010 23.06. We only engaged in correspondence 2007 with land of leather and creation consumer finance to advise them of the credit agreement that had been rewritten and fraudlently signed ..... no payments ever taken as the account on the fraudulent document was not the original account that payments were to be made but the credit card deposit . The bank did not pay a penny out of this account. I have kept all correspondence . I presume this to be SB .... ??? :tinysmile_grin_t:

[FlamingParrot]

Re: Advice Please Account on hold ?

Thank you once again. The debt was from 2006 july (12 month intrest free) period till July 2007. Payments were ever made as the documentation was tampered with . This debt was sold to Lowell in 2010 23.06. We only engaged in correspondence 2007 with land of leather and creation consumer finance to advise them of the credit agreement that had been rewritten and fraudlently signed ..... no payments ever taken as the account on the fraudulent document was not the original account that payments were to be made but the credit card deposit . The bank did not pay a penny out of this account. I have kept all correspondence . I presume this to be SB .... ??? :tinysmile_grin_t:

I would say it is, so when the time comes, you can just submit a SBd defence. :grin: :grin: :grin:

[molly001]

Re: Lowells, Fredrickson and Bryan Carter - Land of Leather- Advise Please

Will let you know what happens and thank you again , ! Super star :tinysmile_grin_t:

[molly001]

Re: Lowells, Fredrickson and Bryan Carter - Land of Leather- Advise Please

Recieved correspondence Friday . What does this mean and what do I do now ? Many thanks Moll

[MIKE770]

Re: Lowells, Fredrickson and Bryan Carter - Land of Leather- Advise Please

Recieved correspondence Friday . What does this mean and what do I do now ? Many thanks Moll

usual response template! nothing await instructions on here!

[Amethyst]

Re: Lowells, Fredrickson and Bryan Carter - Land of Leather- Advise Please

You could respond to them with this http://www.legalbeagles.info/forums/...385#post410385