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You need to make the CCA request in writing with a £1 postal order payable to Lowells. If they do not produce 1 with 14 days (+2 days to allow for postage), then they are in default. Whilst they are in default they can not enforce the debt in court.
If as they say they do not have a copy of the CCA, then they have no evidence to support that you ever had a loan or that you had an agreement.
Lowells agent lied to you when he said they do not do credit agreements as it is a legal requirement for them to produce and agreement for you to sign and for them to sign before they can issue the loan.
What was the date of the default that lowell placed on your credit file? Was it from the time last payment was made or due?
Do you have any bank or card statements showing you paid in full?
By the way shoppacheck is still trading - http://www.shopacheck.co.uk/?utm_source=google&utm_medium=cpc&utm_term=shopper _check_exact&utm_campaign=Brand_Misspells&gclid=CL iw8tTdqL4CFRQbtAodvRAAHQ
If as they say they do not have a copy of the CCA, then they have no evidence to support that you ever had a loan or that you had an agreement.
Lowells agent lied to you when he said they do not do credit agreements as it is a legal requirement for them to produce and agreement for you to sign and for them to sign before they can issue the loan.
What was the date of the default that lowell placed on your credit file? Was it from the time last payment was made or due?
Do you have any bank or card statements showing you paid in full?
By the way shoppacheck is still trading - http://www.shopacheck.co.uk/?utm_source=google&utm_medium=cpc&utm_term=shopper _check_exact&utm_campaign=Brand_Misspells&gclid=CL iw8tTdqL4CFRQbtAodvRAAHQ
