K&co Advice on 10K Kandco Debt now passed to Lowells.

[CleverClogs]

Re: Advice on 10K K&co Debt now passed to Lowells.

who's the one without morals

Not you!

[wales01man]

Re: Advice on 10K K&co Debt now passed to Lowells.

In this world morals don't always win

[CleverClogs]

Re: Advice on 10K K&co Debt now passed to Lowells.

In this world morals don't always win

And, besides, immorality is usually much more fun! :rofl:

[wales01man]

Re: Advice on 10K K&co Debt now passed to Lowells.

correct

[Celestine]

Re: Advice on 10K K&co Debt now passed to Lowells.

Ok I will get those sent off tomorrow thank you. I really dont want to be made bankrupt by these people, if i made an offer of a small payment a month do they have to accept it or would they still issue an SD anyway? I really do appreciate all the advice, thank you.

Vonny - Don't make any sort of offers to Lowell. Only the s.78 request and SAR is needed for now. Don't speak to them on the phone ever.

IF they decide to play hardball with you, I will be right here to act and stop any insolvency proceedings.:mod: EVEN after a stat demand has been issued, I can sort out a payment arrangement IF there is any need to (highly unlikely from what I've read so far)

Try not to worry. :hug:

[vonny1]

Re: Advice on 10K K&co Debt now passed to Lowells.

Thank you very much Celestine, I will get back to you as soon as I get replies. Thank god I found this site!! Lowells sound like the kind of people that would have you sell your children to get them the money!!!. thanks again Von.

[FlamingParrot]

Re: Advice on 10K K&co Debt now passed to Lowells.

I thought if they could not produce a valid signed CCA and the account was opened pre April 2007 it was not enforceable in court (allegedly). I did not open the account on the internet, the first order was made over the phone in 2006. many thanks von.

That is correct. However a tick box for an online agreement is a sufficient signature for the date you provided. I have no knowledge of whether a box was ticked in this case or not.

M1

The OP did not open the account online, so despite being post-Jan 2005, the tick box is still not enough. Furthermore, those catalogue companies made a habit of not requiring an agreement to be signed before sending out the goods. Lowell are flogging a dead horse here.

[mystery1]

Re: Advice on 10K K&co Debt now passed to Lowells.

The OP did not open the account online, so despite being post-Jan 2005, the tick box is still not enough. Furthermore, those catalogue companies made a habit of not requiring an agreement to be signed before sending out the goods. Lowell are flogging a dead horse here.

M1

[PlanB]

Re: Advice on 10K K&co Debt now passed to Lowells.

Lowells sound like the kind of people that would have you sell your children to get them the money!!!.

That would be almost tempting in my case

[vonny1]

Re: Advice on 10K K&co Debt now passed to Lowells.

Hi all just a quick question, wwho's name do I put on the postal order for the SAR, k&co or shop direct?? And for the CCA one Will just Lowers suffice ? Many thanks x

[FlamingParrot]

Re: Advice on 10K K&co Debt now passed to Lowells.

Hi all just a quick question, wwho's name do I put on the postal order for the SAR, k&co or shop direct?? And for the CCA one Will just Lowers suffice ? Many thanks x

I'd just leave them blank, I always have left mine blank.

[vonny1]

Re: Advice on 10K K&co Debt now passed to Lowells.

They've been sent off now, will let you know what I get back, thank you for all the advice so far

[vonny1]

Re: Advice on 10K K&co Debt now passed to Lowells.

Hi all I received a letter today from Lowell stating that I have been informed that they now own my K&co debt and they want me to get in touch to discuss payment or they will either start court action or instruct a doorstep collector to come to my home. There was no mention of my CCA request. It was signed for on the 28th October and the letter this morning was dated 29th October. Do you think this is just a coincidence and the letters have just overlapped or should I send them a letter reminding them they only have 12 days to comply??, many thanks, Von.

[FlamingParrot]

Re: Advice on 10K K&co Debt now passed to Lowells.

Hi all I received a letter today from Lowell stating that I have been informed that they now own my K&co debt and they want me to get in touch to discuss payment or they will either start court action or instruct a doorstep collector to come to my home. There was no mention of my CCA request. It was signed for on the 28th October and the letter this morning was dated 29th October. Do you think this is just a coincidence and the letters have just overlapped or should I send them a letter reminding them they only have 12 days to comply??, many thanks, Von.

Sounds like the letters have crossed.

No need to remind them they have 12 (+2 for service) days to comply, it was written on the CCA request. As it was received only a few days ago, there's no point in sending a reminder at this stage. I would wait for their next communication, once the 14 days have gone by, you can argue the account is in dispute due to non-compliance.

[vonny1]

Re: Advice on 10K K&co Debt now passed to Lowells.

Ok will do thanks. Will let you know as soon as I hear from them, von.