Hi
Some guidance would be greatly appreciated, please. I requested my CCA on the 11th of December 2023 for a ShopDirect Ltd store Card (opened 2015), purchased by Lowell. Lowell responded on the 18th of December stating a CCJ had been lodged against me in 2020 negating any obligation to provide it. Upon checking with all 3 CRA's, Lowell confirmed an error had been made - I do not have any CCJs - and they have still not provided the CCA despite another reminder in February. Given that it has now been over 3 months since my request was made, what do you suggest my next step should be. I am currently paying via Step Change Debt Charity; my goal is to repair my credit reports as soon as possible and I do not want to make my situation worse!
Thank you for your time..
Some guidance would be greatly appreciated, please. I requested my CCA on the 11th of December 2023 for a ShopDirect Ltd store Card (opened 2015), purchased by Lowell. Lowell responded on the 18th of December stating a CCJ had been lodged against me in 2020 negating any obligation to provide it. Upon checking with all 3 CRA's, Lowell confirmed an error had been made - I do not have any CCJs - and they have still not provided the CCA despite another reminder in February. Given that it has now been over 3 months since my request was made, what do you suggest my next step should be. I am currently paying via Step Change Debt Charity; my goal is to repair my credit reports as soon as possible and I do not want to make my situation worse!
Thank you for your time..
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