Lowell - Three Letter or CCA.

[MissCx]

Hello! I’m new here so forgive me if I don’t do things right.

I have debts with Lowell that are a few years old, under 6 years and they’ve just started chasing me for them again.

I was reading up about the Three Letter Process and was wondering if that would work? Then I came across a thread on here about not needing to do the Three Letter Process and just needing to send a CCA request to them along with a postal order.

Could someone let me know what would be best please? The debts are an two old mobile contracts, and a JD Williams mail order debt all under £1,000.

Thank you in advance!

[echat11]

Hi MISSCX

If you have questions, do ask.

https://legalbeagles.info/library/gu...etter-example/

[MissCx]

Hi! Thank you! So I guess I send the CCA request instead of Three Letters?

Thanks.

[echat11]

Hi! Thank you! So I guess I send the CCA request instead of Three Letters?

Thanks.

What are the three letters?, make sure you get Certificate of Posting.

[ostell]

The three letters are advertised as a process for getting rid of debt without hassle. Does it work? NO

[echat11]

The three letters are advertised as a process for getting rid of debt without hassle. Does it work? NO

OK thanks.

[Matty B]

The three letter process is a method championed by sold called freemen of the land who do not understand their understanding of the law is not just incorrect but dangerous. You can normally recognise them as they sign their names like matty of the clan B .

As far as I am aware there has never been a case won in court using the three letters but many won using the CCA and CCA requests

[MissCx]

Hi guys sorry for the late response. Thanks for letting me now. I have sent a CCA request to Lowell last week Tuesday 28th and haven’t heard anything back yet.

Can anyone advise me as to what I do next if they haven’t replied? And also what I do next if they have replied?

Thank you!

[MissCx]

echat11 Hi! What is a Certificate of Posting? I have a receipt from the post office which has a tracking number on which I have checked and it’s been delivered and I have screenshot this and the signature.

Is this enough?

[echat11]

echat11 Hi! What is a Certificate of Posting? I have a receipt from the post office which has a tracking number on which I have checked and it’s been delivered and I have screenshot this and the signature.

Is this enough?

That's fine. Wait to see what Lowell's does.

[ostell]

When you send something in the mail you can request a free certificate of posting from a post office. Saves the cost of signed for. Every time I've used signed for I've never got the confirmation. And some firms, knowing that a signed for is bad news refuse to sign.

[Celestine]

The 3 letter 'process' never actually worked, it just wasted peoples time really and I saw several cases for my represented clients where the opponent Lowell would be even harder to deal with because 3 letters had been used.
The CCA request is not guaranteed to 'work' either, there is no magic formula sadly but at least the CCA request is real and based on your statutory rights to be sent a copy of the agreement. It is fairly rare these days for accounts opened after 2014 to contain fatal flaws, but sometimes the creditor just does not comply because they're disorganised.and handling too many cases. Good luck and let us know how you get on. x