Lowells

[Guest]

Hi Legal Beagles, I have been in dispute with Lowells since 2016 when they purchased an old Argos debt of mine, The account was due to become statute barred in a few months and they have now issued proceedings and I could do with some advice. They maintain that they have previously forwarded to me a copy of the original CCA and accompanying documentation as required by the Courts but I don't think they have. What they have sent is a copy of a completed application form (containing all the usual details such as name, address, date of birth, how long at current address, occupation, bank details etc), a set of terms and conditions (undated) and the attached document. Is this a CCA? I thought a CCA had to include interest rate, amount of credit etc. etc. Also Lowells haven't let me have a Notice of Assignment or full details of charges added to the account which I have requested on numerous occasions. Would you advise that I come to some sort of payment plan or defend the claim? Any advice would be gratefully appreciated.

[MIKE770]

Check dates
Acknowledge Claim
CCA Request
CPR 31.14 Request
Subject Access Request Letter

you need more information get the SAR off no charge they have 30 days to supply to originator of the debt Argos

others will be along to advise also? Interest rate usually in the T&Cs,

when took out card:-
Default Date:-
Last Payment/acknowledgement:-