help with lowell porfolio

[nemesis45]

Re: help with lowell porfolio

thanks nem,
wasn't sure why they had sent this, they said the account is on hold until they can provide the documents they have requested from orange, and this has been about 2 months or so now! should they still be sending them letters out?

podc

It's " computer says send next template so next template is sent probably with no human intervention at all!!

nem

[podc]

Re: help with lowell porfolio

hi nem, i'm back again, came home to some more presents from the lovely mr crabtree, any thoughts on this please? am i right in suspecting they're going to be ramping up project fear now and try to bully me into something? thanks for looking, look forward to your thoughts on this

lowellhsbcredact.jpgloansoa1red.jpgloan soa2red.jpgloansoa3redact.jpglowellorangered.jpgpodc

[podc]

Re: help with lowell porfolio

try this one again!

[podc]

Re: help with lowell porfolio

i was wondering, is it time to fire off cca request ref. loan, and now contact orange and see what they have to say ref the duplicate accounts that are in error?

podc

[nemesis45]

Re: help with lowell porfolio

i was wondering, is it time to fire off cca request ref. loan, and now contact orange and see what they have to say ref the duplicate accounts that are in error?

podc

Yes very good idea, template in green box to of main forum page, use a postal order for £1 statutory fee mark it " For Statutory Fee Only". Send by signed for post.

nem

[podc]

Re: help with lowell porfolio

hi [MENTION=55034]nemesis45[/MENTION],

i will be typing up cca request tonight and sending tommorow, and then sit and wait for the reply. just the small matter of the orange debt now, i telephoned orange customer services on friday 19th aug, i gave the account number sent in lowell letters and my name and was told that the account is passed to lowell and nothing they can do for me. i explained my situation about having had 2 phones sent out for delivery, rejected one (as advised by orange staff member over telephone) and signed for one! got billed at home address for one handset and billed to delivery address (parents house) for the one that should of been cancelled, and that i had to get them to close this account and refund money. she got her manager to call me back, to which he said the account is closed deal with lowell, i informed him that they are not being helpful on the matter and thought he could give me the infomation i need, i have been informed that orange hold no info at all on this account, all their system has is, passed to lowell! no paperwork or financial statements whatsoever, i got him to confirm the address this account is registered to, he confirmed it to be my parents house (delivery address) i informed him no account should exist at that address and was told again, deal with lowell! i'm unsure now what to do with this, i feel my enquiry with them has not met with what i actual want from them? should i send a sar to orange or email a complaint high up? your or any other members advice would be greatly received
podc

[charitynjw]

Re: help with lowell porfolio

Hi podc

If it were me, I'd SAR.

Orange are now EE (Part of BT, I believe)

Under the Data Protection Act 1998, you have a right to know what personal information we hold about you. If you'd like a copy of the information you are entitled to please write to The Disclosures Team, EE Limited, Hatfield Business Park, Hertfordshire, AL10 9BW, clearly identifying yourself and the information you require. We may charge you £10 to cover the cost of processing your request and supplying your information to you. We will ask you to provide identification to ensure we do not disclose your information to the wrong people. Please note that you can obtain copies of your phone bill free of charge on the 'My Account' section of our website.

http://ee.co.uk/privacy-policy

[podc]

Re: help with lowell porfolio

hi, is this ok to send ref loan debt? do i need to state i do not acknowledge any alleged debt or anything?

thanks again
podc

- - - Updated - - -


LOWELL FINANCIAL
9 ELLINGTON HOUSE
LEEDS VALLEY PARK WEST, SAVANNAH WAY
LEEDS
LS10 1AB


Dear Sir/Madam

Re:− Account Number xxxxxxxxxx

With reference to the above agreement, i would be grateful if you would send me a copy of this credit agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77−79), I am entitled to receive a legible copy of this credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of this credit agreement should be supplied within 12 working days.

I look forward to hearing from you.

Yours faithfully




NAME

[charitynjw]

Re: help with lowell porfolio

According to s77 CCA 1974 (If it were me, I'd include the bits in red as well)

77Duty to give information to debtor under fixed-sum credit agreement.

(1)

The creditor under a regulated agreement for fixed-sum credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F1£1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,—

[podc]

Re: help with lowell porfolio

hi guys, just an update, i sent the cca as above including the bits added by charity, a day after the 12 days was up, recieved a letter saying hsbc have been unable to supply all the documentation required to satisfy a cca request and they've decided not to pursue this debt at this time, however if the documents turn up at a later date they will be in touch. i was initially relieved to recieve this but after giving it more thought, is this just a standard letter because they have passed 12 days and are infact just waiting for it to appear? or is this genuinely that hsbc can't provide it? have you seen these scenarios before? any input would be greatly recieved , i'm yet to reply ref orange account, i have spoken to orange though and they say they have no paperwork, financial or terms and conditions and to speak to lowell? not sure to sar orange or just let lowell do the leg work yet?

thanks again podc

[nemesis45]

Re: help with lowell porfolio

hi guys, just an update, i sent the cca as above including the bits added by charity, a day after the 12 days was up, recieved a letter saying hsbc have been unable to supply all the documentation required to satisfy a cca request and they've decided not to pursue this debt at this time, however if the documents turn up at a later date they will be in touch. i was initially relieved to recieve this but after giving it more thought, is this just a standard letter because they have passed 12 days and are infact just waiting for it to appear? or is this genuinely that hsbc can't provide it? have you seen these scenarios before? any input would be greatly recieved , i'm yet to reply ref orange account, i have spoken to orange though and they say they have no paperwork, financial or terms and conditions and to speak to lowell? not sure to sar orange or just let lowell do the leg work yet?

thanks again podc

Hi,

I think the only the tiniest chance of Lowell getting anything further would be a reconstituted copy of the HSBC agreement now.

I doubt that Orange will have much data ( a SAR is for " personal information only) as they don't take court action themselves and clear data on sold on accounts pretty quickly.

nem

nem

[podc]

Re: help with lowell porfolio

thanks for the reply nem, and for your guys advice through out! in terms of a recon agreement, would the original still be needed in court? i'm just trying to prepare for the worst, hope for the best!

podc

[nemesis45]

Re: help with lowell porfolio

thanks for the reply nem, and for your guys advice through out! in terms of a recon agreement, would the original still be needed in court? i'm just trying to prepare for the worst, hope for the best!

podc

#

If the agreement was pre April 2007 yes the original " should " be produced, but some have tried recons even in this situation with some small success I'm told.

Other wise a compliant recon and some evidence of use of a credit facility could persuade a judge that on the " balance of probabilities " a debt exists and is enforceable,

nem