Conflicting reply to my cca request Lowell

[microbar]

HI All
I have a debt with shop direct litwoods.
I have been paying a token payment for the last 2 year directly to litwoods ilness support team.
But having received letters every month from NDR teling me I had either paid insuficient payment or late payment I was charged £12 a month.
I therefore stopped paying the token payment and told shop direct to take me to court.
As at least then There would not be any further charges.
However they just kept charging the £12 untill finally assigned the debt to lowell.
I then asked lowell for a statement of all charges and expected lowell to deduct these charges.
But lowell just ignored this I therefore asked for a copy of my signed credit agreement.
But did not send £1 I just asked for it.
I received the letter below on the 27th july.

http://i260.photobucket.com/albums/ii16/microbar123/LET1.jpg
Then to my suprise I received a letter from lowell the next day 28th july as below.
http://i260.photobucket.com/albums/ii16/microbar123/LET2.jpg
This along with the following application forms.

http://i260.photobucket.com/albums/ii16/microbar123/LET3.jpg
http://i260.photobucket.com/albums/ii16/microbar123/LET4.jpg
http://i260.photobucket.com/albums/ii16/microbar123/LET5.jpg
http://i260.photobucket.com/albums/ii16/microbar123/LET6.jpg
http://i260.photobucket.com/albums/ii16/microbar123/LET7.jpg
My question is do I need to send another cca request off with £1 this time
As I did not request a application form but the true signed copy of the cca which obviously they do not have as letter 1 says so.
Also should I ask for confirmation as to whether they have an actual Agreement or not under CPUTR 2008. Thanks for your help.

[Gorang]

Re: Conflicting reply to my cca request Lowell

Personally I would send Lowell a DSAR to find out what they have got on you

When was this account opened?? was it pre 2007

[microbar]

Re: Conflicting reply to my cca request Lowell

Personally I would send Lowell a DSAR to find out what they have got on you

When was this account opened?? was it pre 2007

Yes 2006 sorry but whats a DSAR
Would it be prudent to ask them whether they have an actual Agreement or not under CPUTR 2008,
Would be gratefull for a suitable reply
Thankyou.

[Curlyben]

Re: Conflicting reply to my cca request Lowell

TBH, don't muck around any further with Lowells.

Have they sent anything else after this as it appears they are extremely confused.
In let1 they say they are closing, yet in let2 they say it's open. I'd be inclined to wait and see what they ahve to say next, if anything.

Should they respond then, Inform them of the prior dispute with Shop Direct over this matter and that you are disgusted that they have shirked their responsibilities in this manner.

This should get it passed back and then you can deal with SD from there on.

You are right to ignore NDR as they are simply SD'd own in house DCA, and ineffectual at that..

[mr.ton]

Re: Conflicting reply to my cca request Lowell

Ignore these clowns - they wont actually do anything anyway.

[microbar]

Re: Conflicting reply to my cca request Lowell

TBH, don't muck around any further with Lowells.

Have they sent anything else after this as it appears they are extremely confused.
In let1 they say they are closing, yet in let2 they say it's open. I'd be inclined to wait and see what they ahve to say next, if anything.

Should they respond then, Inform them of the prior dispute with Shop Direct over this matter and that you are disgusted that they have shirked their responsibilities in this manner.

This should get it passed back and then you can deal with SD from there on.

You are right to ignore NDR as they are simply SD'd own in house DCA, and ineffectual at that..

No this is all I have received let 1 closing let 2 open and the recon,
I was going to ask for confirmation as to whether they have an actual Agreement or not under CPUTR 2008 thanks for your reply.

[winner12]

Re: Conflicting reply to my cca request Lowell

Hi there waiting on something similar from Lowells myself at present
But if its any consolation CAPITAL 1 sent a recon last year and I have not heard anything since
I have not paid them either they kept returning my payment and have as yet not issued court proceedings which I did expect them to but maybe that recon is as dodgy as they are
So are Lowells and Shop Direct who I think dont understand the point of a recon
But thanks to everyone here we are all learning

[debtisbad]

Re: Conflicting reply to my cca request Lowell

Good advice,as always. Anyway, if they closed the account on 27th, how could it be open on the 28th? See dates on letters!

TBH, don't muck around any further with Lowells.

Have they sent anything else after this as it appears they are extremely confused.
In let1 they say they are closing, yet in let2 they say it's open. I'd be inclined to wait and see what they ahve to say next, if anything.

Should they respond then, Inform them of the prior dispute with Shop Direct over this matter and that you are disgusted that they have shirked their responsibilities in this manner.

This should get it passed back and then you can deal with SD from there on.

You are right to ignore NDR as they are simply SD'd own in house DCA, and ineffectual at that..

[winner12]

Re: Conflicting reply to my cca request Lowell

Oh I also should mention thanks to others on here and other sites I have researched Lowells only seem to take on debts with problems ie no agreements dodgy DNs and statue barred debts so that tells something

[microbar]

Re: Conflicting reply to my cca request Lowell

Good advice,as always. Anyway, if they closed the account on 27th, how could it be open on the 28th? See dates on letters!

Yes thats what gets me the dates 27th closed 28th open
just makes a mockery of the debt collection practice.
Even in let 1 it says the length of time this account has been open.
Makes it impossible to come up with a signed cca.
,

[Gorang]

Re: Conflicting reply to my cca request Lowell

Yes 2006 sorry but whats a DSAR

Data Subject Access Request (also requires the statuary £10 fee which is the law)
they are supposed to provide you with a copy of every scrap of info that they have hold about you when you send this to them ( I doubt that they will but that bridge can be crossed later)

TBH, don't muck around any further with Lowells.

Sorry but I completly disagree here because in post 1

However they just kept charging the £12 untill finally assigned the debt to lowell.

If this is right then lowell has total rights over the debt and are the only ones that should have any info of this account as all info has to be/supposed to be, passed from original creditor to the new owner of the account, Default notices, Assignment notices defaults, Credit Agreements etc.

How do you know that the debt was assigned to lowell?? did Shop Direct or lowell inform you of this assignment???

Yes Lowell are a shower of muppets and could but pulling a fast one and trying to chase a debt that does not belong to them, but I suspect that they do now own the accout and I think that they have taken it over around the time of the bungle up of letters you have recieved. LOL The more they send you like this the better for you as it would just show a court who disorganised they are.

There are only 2 sure fire ways (apart from a CPR but they not threatened court action yet as far as I'm aware so far) to find out, what they have, and who owns the account now, DSAR lowell and see what comes back, and also check your reports with all 3 of the credit reference agencies.

If the account was opened in 2006, when did this happen??

I therefore stopped paying the token payment and told shop direct to take me to court.

could you give us a time scale of what has happened since you opened the account

ie.
acoount opened 2006
stopped paying when??
did you recieve a default notice, if so when and who from??
did you recieve a assignment notice, if so when and who from??

[Curlyben]

Re: Conflicting reply to my cca request Lowell

Gorang, just out of interest when was the last time you sent a SAR to a DCA and what was the result ?

There's a number of facts you have touch upon here, but you have missed the most important one of all, concerning the actual "agreement from SD..

[Gorang]

Re: Conflicting reply to my cca request Lowell

There's a number of facts you have touch upon here, but you have missed the most important one of all, concerning the actual "agreement from SD..

Appologies to all if I have missed somthing here, please lilaberate

[microbar]

Re: Conflicting reply to my cca request Lowell

Data Subject Access Request (also requires the statuary £10 fee which is the law)
they are supposed to provide you with a copy of every scrap of info that they have hold about you when you send this to them ( I doubt that they will but that bridge can be crossed later)
Sorry but I completly disagree here because in post 1
If this is right then lowell has total rights over the debt and are the only ones that should have any info of this account as all info has to be/supposed to be, passed from original creditor to the new owner of the account, Default notices, Assignment notices defaults, Credit Agreements etc.

How do you know that the debt was assigned to lowell?? did Shop Direct or lowell inform you of this assignment???

Yes Lowell are a shower of muppets and could but pulling a fast one and trying to chase a debt that does not belong to them, but I suspect that they do now own the accout and I think that they have taken it over around the time of the bungle up of letters you have recieved. LOL The more they send you like this the better for you as it would just show a court who disorganised they are.

There are only 2 sure fire ways (apart from a CPR but they not threatened court action yet as far as I'm aware so far) to find out, what they have, and who owns the account now, DSAR lowell and see what comes back, and also check your reports with all 3 of the credit reference agencies.

If the account was opened in 2006, when did this happen??


could you give us a time scale of what has happened since you opened the account

ie.
acoount opened 2006
stopped paying when??
did you recieve a default notice, if so when and who from??
did you recieve a assignment notice, if so when and who from??

acoount opened 2006
stopped paying when 2009 when i stopped work disabled now
did you recieve a default notice, if so when and who from?? default notice from NDR

did you recieve a assignment notice, if so when and who from??

ASSIGN NOTICE Received March 2011
[FONT='Calibri','sans-serif']Asked lowel for run down of charges[/FONT]
No luck with list of charges.

So on 27th may asked for cca did not send £1

received LET 1 27th jULY received LET 2 28th july.

Thanks again for all yoyr help.

[Gorang]

Re: Conflicting reply to my cca request Lowell

ASSIGN NOTICE Received March 2011

I presume this was from lowell was it