Lowell and not being able to adhere to 12 days

[YorkshireBee]

Seems like DCAs are a many headed hydra ... start dealing with one, and they all come crawling out trying to get a piece of my flesh ...

Anyway, I wrote to our friends in the North regarding an alleged Halifax credit card debt and asking them to reply with a copy of my credit agreement etc within the 12 days working days allowed (thanks Curly Ben for the letter). I then receive one letter which includes a copy of the Letter of Assignment, and one that doesn't, but they both say roughly the same thing:

"Whilst we endeavour to reply to you with the required information within the prescribed 12 day period under the Consumer Credit Act, you will appreciate this is dependent upon receipt of the information from the original creditor. We will advise you further if it will take longer than the prescribed period."

I sent the letter to Lowell on 28 September. Do I have to give them extra time, or can basically tell them to go away?

I had to send a similar letter to Cabot re: another credit card (which TBH is probably statute barred) and have heard nothing from them at all - should I deal with them the same way?

Thanks for your advice

Bee

[dogtired]

Re: Lowell and not being able to adhere to 12 days

bump

[ODC]

Re: Lowell and not being able to adhere to 12 days

Ignore any other missives or rankings from the Leeds Losers until the produce the CCA. Even then it may not be what it seems. Come back here and have it checked. Please do not hold your breath waiting for a reply from the Leeds Losers

[YorkshireBee]

Re: Lowell and not being able to adhere to 12 days

Lowell finally (after several holding letters) get back to me today with the following letter:

/Your credit agreement
We refer to your recent request for a copy of the original credit agreement for this account
After liasing with HBOS PLC in an effort to obtain this document we have been advised that it is no longer available due to the length of time since the account was opened with you.

We are closing your account
At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from HBOS PLC

If you have any questions
Please phone us on 0113 308 6021, we will be happy to talk to you

Despite this, the amount in the "You owe" box on the right hand side of the letter is still showing £912.81... so, is there anything I need to do? Is this truly finished with? Is there anything I should be wary of?

Thanks again to CurlyBen for the "ProveIt" letter template!

YorkshireBee

[labman]

Re: Lowell and not being able to adhere to 12 days

At this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from HBOS PLC

This suggests it's not closed. Just shut until an agreement is found, IF it is ever found. The money is still owed if you haven't repaid it, so that shouldn't be too much of a surprise.

I wouldn't be worrying overmuch about this though. :beagle:

[YorkshireBee]

Re: Lowell and not being able to adhere to 12 days

File under "I" for "Ignore" then I guess. And put some money aside in savings on the off-chance they can prove it before it becomes statute barred.

What do you reckon the chances are of them selling it on to another DCA and my having to go through all this again?

YB