Lowell & Phillips & Cohen Associates.

[john40]

Hi, i have received a letter from Phillips & Cohen Associates (UK) Ltd saying that they are instructed by our clients Lowell to deal with above account,original creditor Capital One.I have been dealing with this since since around September 2007 when i made a formal September 2007.I made a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I required them to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.I received a copy pf a application form with no terms and condition or any reference the terms and conditions contained within that copy of the application form.I asked several times from Capital One and Lowells too for the same documentation,i have only ever been sent a copy of a application form that contained no terms and conditions or any reference ti any either.I have head nothing from Lowell's until i received a letter some 2/3 weeks ago telling me they where going to do this..I want to ask who are "Phillips & Cohen,it says on the letter they specialise in compassionately assessiing your circumstances your circumstances and in tailoring any payment arrangement to meet your current financial capability".Is it now worth sending a CCA to them.I would have thought if Lowell's had the correct documentation they would have taken it to court before now,it will become Statute Barred in a couple of months,any aduve how ti approch this welcomed.


john40

[ODC]

Re: Lowell & Phillips & Cohen Associates.

No DCA is compassionate

[john40]

Re: Lowell & Phillips & Cohen Associates.

[QUOTE=ODC;379219]No DCA is compassionate[/QUO

Very true ,they think everyone is daft.

[jon1965]

Re: Lowell & Phillips & Cohen Associates.

The only dealings I hadwith philips andcohen were after my wife died and people werechasing for money. A quick no money in theestate and they left mealone.

[john40]

Re: Lowell & Phillips & Cohen Associates.

The only dealings I hadwith philips andcohen were after my wife died and people werechasing for money. A quick no money in theestate and they left mealone.

Hi jon,thank you for your input,how low can these people sink.I think i am going to send a CCA request to them as i have to the original creditor and Lowells.

[ODC]

Re: Lowell & Phillips & Cohen Associates.

If you have already sent the OC a CCA and can prove it don't waste a quid on The Leeds Losers

[Angry Cat]

Re: Lowell & Phillips & Cohen Associates.

These are just another DCA; the LEEDS LOSERS have clearly outsourced to same!

CCA Search :: CCA Search Results :: Licence Details

Application / Licence Details

Licence Number:0634826
Licence Status:Current

Current Applicant / Licensee:

Business Name	Company Registration Number
Phillips & Cohen Associates (UK) Limited	05284353

Categories:

Consumer credit

Debt collecting

Right To Canvass Off Trade Premises:No


Issued Date:26-Feb-2010
Date Maintenance Payment Due:25-Feb-2015


Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

Name	Position
Adam Scott Cohen
Howard Alan Enders
Matthew Mark Phillips

Nature of Business:

Other

Current Address(es):

Address Type	Address
Correspondence	Floor 9, 5, Exchange Quay, SALFORD, M5 3EF, United Kingdom
Principal Place Of Business	Floor 9, 5, Exchange Quay, SALFORD, M5 3EF, United Kingdom
Registered Office	Floor 9, 5, Exchange Quay, SALFORD, M5 3EF, United Kingdom

Historic Address(es):

Address Type	Address
Correspondence	5, Exchange Quay, SALFORD, M5 3EF, United Kingdom
Principal Place Of Business	5, Exchange Quay, SALFORD, M5 3EF, United Kingdom
Registered Office	5, Exchange Quay, SALFORD, M5 3EF, United Kingdom

[john40]

Re: Lowell & Phillips & Cohen Associates.

If you have already sent the OC a CCA and can prove it don't waste a quid on The Leeds Losers

Hi,thanks for your advice,i have a CCA from both Capital One and Lowell's both sent a copy a application form with no t/c's or any reference to where the t/c's could be found on the document these both sent.I wait a little while and see what they send next.

[john40]

Re: Lowell & Phillips & Cohen Associates.

Hi Angry Cat,thank you very much for the info provided.

[FlamingParrot]

Re: Lowell & Phillips & Cohen Associates.

Hi,thanks for your advice,i have a CCA from both Capital One and Lowell's both sent a copy a application form with no t/c's or any reference to where the t/c's could be found on the document these both sent.I wait a little while and see what they send next.

Did you actually reply to them saying what they'd sent was not good enough to satisfy your request? It's important to make it clear, it can stave off court action and even make them go away and leave you alone. It's done the trick for me. :thumb:

[jon1965]

Re: Lowell & Phillips & Cohen Associates.

Don't tell them what they have not sent just that they haven't complied with your request. Don't want to make it too easy for them now do we

[oldbloke1]

Re: Lowell & Phillips & Cohen Associates.

I have need of similar advice before I send a letter but dont want to hijack this thread. (Sorry John40)

I sent a letter and £1 PO and got back a 3rd generation photocopy of an application form ( My Signature etc) but it clearly says "If your application for this credit card is approved" - which I think confirms it's an application not an agreement. However, the photocopy has been double sided and on the reverse are T&C's for the CCA1974. The copy does not have an account number on it but does have the credit card No, which is the subject of my dispute, written in different hand and ink with the word "APEX" (The DCA) on it.
I am about to send a "This is an application not an agreement and cannot be proven to be for your alleged card debt as it has no account information" letter.

Advice as to whether i am reading this correctly and whether I should send the letter ?

Thanks (and sorry again John40 but it is so similar to my issue)
OB1

[FlamingParrot]

Re: Lowell & Phillips & Cohen Associates.

I have need of similar advice before I send a letter but dont want to hijack this thread. (Sorry John40)

I sent a letter and £1 PO and got back a 3rd generation photocopy of an application form ( My Signature etc) but it clearly says "If your application for this credit card is approved" - which I think confirms it's an application not an agreement. However, the photocopy has been double sided and on the reverse are T&C's for the CCA1974. The copy does not have an account number on it but does have the credit card No, which is the subject of my dispute, written in different hand and ink with the word "APEX" (The DCA) on it.
I am about to send a "This is an application not an agreement and cannot be proven to be for your alleged card debt as it has no account information" letter.

Advice as to whether i am reading this correctly and whether I should send the letter ?

Could you scan or take a picture hoto: of the documents, covering up your personal details, and post them up here? :typing:

[john40]

Re: Lowell & Phillips & Cohen Associates.

Did you actually reply to them saying what they'd sent was not good enough to satisfy your request? It's important to make it clear, it can stave off court action and even make them go away and leave you alone. It's done the trick for me. :thumb:

Hi,sorry for not updating this earlier,i am still waiting to hear back from them,will update as soon as i do.

[john40]

Re: Lowell & Phillips & Cohen Associates.

I have need of similar advice before I send a letter but dont want to hijack this thread. (Sorry John40)

I sent a letter and £1 PO and got back a 3rd generation photocopy of an application form ( My Signature etc) but it clearly says "If your application for this credit card is approved" - which I think confirms it's an application not an agreement. However, the photocopy has been double sided and on the reverse are T&C's for the CCA1974. The copy does not have an account number on it but does have the credit card No, which is the subject of my dispute, written in different hand and ink with the word "APEX" (The DCA) on it.
I am about to send a "This is an application not an agreement and cannot be proven to be for your alleged card debt as it has no account information" letter.

Advice as to whether i am reading this correctly and whether I should send the letter ?

Thanks (and sorry again John40 but it is so similar to my issue)
OB1

Hi,no problem,it looks as though Leeds losers are farming then all out to Phillps & Cohen.

john40